Property available - finance basic inventory?

I have concerns about the bank's reaction, but it would be interesting to find out how you ultimately resolve it.

I'll let you know, of course. Since we're doing this through a financial advisor, an old friend of ours, we don't have direct contact with the bank ourselves. But he said he's got it covered. I'll keep you updated.

I would have concerns about the bank's reaction, but it would be interesting to find out how you ultimately solve it.

Why?

I'll of course let you know. Since we're doing this through a financial advisor, an old friend of ours, we don't have direct contact with the bank ourselves. But he said he will take care of it. I'll keep you updated

German financial advisor or not (my friend does this kind of thing too).

Have everything that is discussed / promised given in writing. If you can't draw the 20k flat rate, you have a problem. You can't present a construction invoice and may have to reduce the loan by that amount, which could result in a prepayment penalty.

Yes, we have everything given to us in writing!

Depending on how long your financing lasts: You pay off things for up to 30 years that you might not even have anymore - THAT would worry me more, and therefore a 0% financing at a furniture store would make much more sense.

It's like in the past when a car was always included in a mortgage - the vehicle was long at the junkyard, but you still paid for it. Usually, you don't notice that at first, but then it's just wishful thinking.