Remaining loan amount specifically "NBA" player bank

Is there any equity in the structure at all?

The property with value and possibly a portion of the cash balance counts as equity in the credit.

Additional construction costs will be included in the calculation from the buffer/petty cash and as non-equity capital

I would like to have such petty cash too. ;) But why shouldn't it be declared as equity? This could potentially increase the loan-to-value ratio unfavorably, resulting in higher interest rates.

...and the house with garage is valued at 365 (with manufacturing costs "Pos. 300") as set by the architect.

Sure? That would mean that the entire building services (section 400, i.e. heating, water, electricity) would still be added, and those roughly make up half of the 300 costs.

Not to mention the ancillary costs...

No no, it shouldn't sound so arrogant. I don't want to use it as equity in [Kredo] because then I would consciously have to use it up first, and you should still have some liquidity at the beginning. Therefore, the loan should really be only for the construction, and ancillary construction costs should be able to be covered independently. I therefore prefer to have the higher buffer from the manufacturing to the loan amount as a buffer for the house.

Sure? That would mean that the entire building technology (KG 400, i.e. heating, water, electricity) would still be added, and that roughly makes up half of the 300 costs. Not to mention the ancillary costs...

Sorry, the 365T were KG 300 AND 400

I don't want to count it as equity in Kredo because then I would consciously have to use it up first, and you should still have some liquidity at the beginning.

This is apparently a widespread misconception. (The part about "using it up first.") Besides, you will probably receive "small amounts" without proof to create the desired "liquidity."

In my experience, it always works best when you are completely open with the bank and clearly explain what you want to do and why. At least I have never had any problems with that.