The problem is actually more that we need to buy the property as soon as possible, since we have only reserved it until mid-February. I find it difficult to find a suitable developer by then...
Variable is definitely the easiest option for you. Alternatively, fixed interest rate for 2 years. My God, then two mortgages. You will have many other costs yet ;-) Spread over the loan term anyway ridiculous. If the alternative bank is only 0.01% better afterwards, you will have made that up multiple times.
Quite simple. Finance the land variably (probably with the plot)
Yep, exactly like that. The plot is mandatory, but it can be assigned to the new creditor. Alternatively, a fixed interest period of e.g. one year (however long you need until you start building).
There are constructions where you don’t have any provision interest for 2 years either. But if I were you, I wouldn’t want to put yourself under so much pressure. ...you probably mean [Generalunternehmer] not [Bauträger].