Refinance existing loans with a construction loan

389k + Grundstück 155k + 18k EL + 20k Außenanlagen + 20k Nebenkosten = 602k - 20% = 482k[/COLOR][/FONT][/SIZE] are still 96%

That's how I would have calculated it again. Why should a bank finance more than the house is worth? —> lending value, not costs or market value And then there is also no great buffer for cost increases. I would also reject your financing with kitchen and loan repayment in our house.

: I admit, the tone here is sometimes a bit harsh, not to say condescending. Especially beginners and laypeople on the topic of house construction can feel somewhat put off here in the forum. But you can be sure that most people here speak from experience and want to help. Most do not want to elevate themselves by putting others down, but have unfortunately gotten used to a somewhat "rougher" tone on the internet. If someone then takes something the wrong way and lashes out, the atmosphere cools down accordingly. Do not take the doubts about the numbers as a personal attack but as a hint that based on the experience of those who have already built, there are often additional costs. Now, you have the following option: talk to your construction company to provide you with a construction cost breakdown including 50-70 thousand euros for incidental construction costs. It will probably be less, but you would have spoken to experienced people and want to plan a buffer for the financing. They should actually do that. Then you take that to your financial advisor. He then has to find you a bank that has no problems paying out remaining amounts without proof. If there is still some left at the end, you have your money for the kitchen. Regarding the other amounts, I am also rather pessimistic; why should a bank do that? And you should also recalculate whether the lower interest rate but probably longer term is really cheaper for you. But honestly, your financial advisors should actually be telling you all this if they are any good.

The construction company we are building with is well known and we know quite a few people who have built with them. Everything went smoothly. I myself built in 2010 and then the separation happened and my ex took over the house. So I already have experience. I was also able to gather input on the topic of financing with the financing of the first house back then and then with the partial financing of the land. However, as mentioned, this has already been paid off. I have nothing against new users writing something on the topic but I expect them to roughly read in and not just read the last post and then provocatively throw something into the discussion. This is the case everywhere and not just here but if everyone always just tolerates this nothing will ever change. I could now digress and end up at parenting but let's leave that aside. Depending on the bank's deduction, I come to 85 to 91% on the topic of financing ratios. My financial advisors told me that we are at 75 to 80. I cannot say more about that.

Or is there still a land charge on the property and another bank is in first priority?

You already had an answer to your question in post 2.

It is just like with the kitchen, it is rather normal that banks do not accept that.

The rest developed while trying to assess the situation or find an alternative.

By providing detailed basic data, speculations naturally arise as to why that is.

Topic loan-to-value ratio, depending on the bank's deduction, I also come to 85 to 91%.

How do you calculate it? I am a construction financier and calculate as my bank does. The bank can only state the loan-to-value ratio after the appraisal has been completed (this must be done because it is no longer a small loan). Everything else is calculated extremely roughly by a computer.