Provision interest vs. interest surcharge - financing offer

I would risk the commitment interest. When the interest-free commitment period is over and the money has not yet been spent, you can usually still have a fairly high advance paid out, which is then interest-bearing at the normal rate.

It always depends on the contract; you cannot generalize such things. My direct bank only paid out upon presentation of invoices. Without exception. Until the end. There are exactly two things I would have written into the loan agreement: how to deal with a loan surplus and from which amount (and how much) the loan can be fully paid out after completion. Here, I would also not rely on statements from the broker. Put it in writing and refer to it, done.