Provision for future development costs (road, etc...)

We are planning to build new this year! The plot of land has already been purchased, so I am currently working on the planning of the house (together with an architect) as well as the financial planning.

The financial plan is already established to some extent, but I have a "cost block" of about €30,000 (for development costs of the road / the construction area) which can only be precisely determined and then settled in a few years – when the construction area is completely finished and the second layer of asphalt is laid on the road. For me, the question is how to deal with this cost block. It is hardly possible to cover it through the loan (the commitment interest never pays off), so the only option would be to set aside some equity. A second option would be a follow-up financing in x years!

Surely there are people here who have already faced similar problems – if so, how did you handle this?

Hello, saving up. However, in such a way that one is not "tempted" to misuse it each time and withdraw it. So something like a savings plan or fixed deposit.

If necessary, one can always take out a small consumer loan.