Separate construction financing?

"Living expenses" I like ;)

Hehe... Do you want to pay off your car with the [Baufinanzierung]? How does that look in the calculation for the bank??? I won’t address the question of financial separation, a banker can briefly give their statement on that.

Hello,

this is not a good start.... No equity and self-employment. It will be difficult to get financing and no bank will give each individual a construction loan. Especially since two different banks would have to compete for priority in the land register.

In principle, separate financing is possible. Whether this is the case for you can only be determined by the bank.

However, everyone must be able to cover their own financing as well as living expenses. Living expenses as a flat rate of 700-900€ per person. If you cannot even pay off your car from equity, you should think very carefully about building a house. Otherwise, there is also the issue of land register security. If you both want to finance with the same bank, it will - if it is actually that crazy - want mutual guarantees. I would demand that, at any rate.