I don’t want to take out loans, we have never had installment payments in any way until today and that’s a good thing.
This is a widespread misconception that for creditworthiness (and thus also the loan conditions) it is best if one has never appeared as a cash payer in the credit world. But with that you are completely unknown: it is better to have several (all paid on time) financings reported. Ideally, there is already completed small stuff listed, like an installment-purchased phone paid off a year ago or so, and the current one also impeccably serviced and still running for another year. So all peanuts compared to the mortgage, but always handled without disruptions.
We are buying the plot of land from the developer, who has a company with which we will make the contract for work later, as soon as we have bought the plot. The developer says we have to pay real estate transfer tax on the land.
And then again for the house, and he doesn’t say that. A real and proper developer does not sell it this way: a real one not without the house, and a proper one not in a split transaction.