We are planning to build in 2022; the planning begins

Another question about the bank. From your experience, is it possible to specify, for example, a garage during construction and then not build the garage but instead invest the money in the finishing? Will the bank have any objection if you invest in the house rather than in the garage?

There could be problems in the end. Because an appraiser checks whether the house was built as advertised beforehand. If the garage is missing, this can be seen as fraud since the value of the property has been reduced and thus the loan amount and consequently the interest, etc. Also, the bank would then lack the security that was agreed upon beforehand.

One more question about the bank.
From your experiences, is it possible, for example, to state a garage during construction and then not build the garage, but instead put the money into the upgrade? Will the bank have any objection if you invest not in the garage but in the house?

Oops, I must have overlooked that last week (or it was just when my internet went down). I consider the idea dangerous for the loan and punishable.

Oops, I must have overlooked that last week (or it was just when my internet went down). I consider the idea credit-risky and punishable.

It's not about us keeping the money. Rather, putting the money into the house elsewhere, e.g. an upgrade. But as already suggested, I will simply plan the upgrade much higher.

Still a really stupid idea!

Still a really stupid idea!

Then I will simply increase the ancillary construction costs significantly and build in a buffer for the upgrading/floor coverings/painting.

Sampling is part of the house and can be included