Property financing with installment payments

Hello forum, I have bought a plot of land. This is to be paid in 2 partial payments. Equity: 40,000 1st partial payment upon resolution of the articles of association (approx. 40,000) 2nd partial payment upon completion of the construction road (approx. 100,000) Question For the land financing, a loan with a variable interest rate without a time frame based on Euribor is being considered until the house financing. In terms of time, the complete house financing, including the land, will be in place by the 2nd partial payment. Should I use the entire equity for the first partial payment? That way I would have no cash as equity for the bank, but the first partial payment would be done. Is that still considered equity?

We had similar questions:

Bought the property in August. However, the price was above the equity.
We financed it with a variable rate and will repay it once the total financing requirement for the house and property is determined.

We deliberately did not put all the equity into the property in order to stay liquid. If you have sufficient funds besides the 40k to cover additional costs, planning costs, etc., I would possibly cover the first partial payment from the equity. It is important to me that it is really certain that the bank will give you the 100,000k for the second payment, otherwise you will have a big problem.

Is this still considered equity?

Whose money is it then? Your OWN = equity. Equity does not mean own money - capital can be anything.

If you already have the first installment financed, don't you have higher notary fees? Because you first mortgage the land with the Euribor loan, then refinance the loan a second time with a construction loan (land + house)?

Whose money is it? Your OWN = equity. Equity does not mean own money – capital can be anything.

Moreover, KFW money is also not my own, but to my knowledge it is treated as equity by banks.

Furthermore, KFW money is also not my own, but to my knowledge it is treated by banks as equity.

No, it is not. It is a financing component. It is also called KfW LOAN and KfW equity. It only helps with determining the terms for the first-ranking financing.