What loan amount and how much equity capital should be reported to the bank?

Yes, that is clear. The idea behind it is possibly to obtain better interest conditions if the loan amount is lower by excluding the outdoor facility and thus the burden rate is also lower.

... unless you plan these things over the years. It makes sense to co-finance carport, fence, and hedge. For us, it was not a problem; after the house construction, there was still enough money in the loan account, which the bank then made available to us without an invoice. From that, the outdoor facilities were completed, and from the rest, lamps were bought or later plants were gradually purchased from our own funds. In short, regards

So I would initially plan and finance everything. Believe me, especially during construction and later on, there will be plenty of things you want to change or improve. Money will always be needed for that. Therefore, it’s better to have at least the basics covered all around from the start, so you don’t have to finance more expensively later. And outdoor facilities are immovable, so they can also be financed. What’s the use to you if you maybe save interest in the decimal range now, but then need an expensive loan or have to save forever. That’s probably not so great for a relationship either [emoji6]

Taking everything into account in advance is quite a lot. Some things are also a luxury (e.g. oven, awning, or well), which we might later regret having financed (even if only by stating a lower equity capital) if something goes completely wrong during construction. These luxury items could also be omitted in an emergency, thereby reducing the remaining debt. Maybe we could make a mix of the items to be financed.

I could imagine that these things could be done gradually, possibly even by ourselves, and the loan amount could be reduced accordingly. Or what would you prefer to still include in the financing from the items below?
1. Lamps in unimportant rooms (utility room etc., possibly just using old ones initially)
2. Bookshelves for the office
3. Installing satellite system
4. Curtains
5. Slope with retaining walls
6. Filling the hillside property with soil
7. Rough planning
8. Final grading
9. Gravel bed as splash protection
10. Terrace
11. Fence
12. Drilling a well
13. Creating beds + lawn + plants
14. Awning
15. Oven
16. Paths around the house
17. Lawn mower
18. Baseboards for flooring
19. Kitchen

Garage and driveway would apparently make sense to finance because of the dirt they cause.

You know yourself what you can do and what you can't. Can you lay tiles? Then go for it. Can you sow lawn? Then go for it. Are there lamps? Then take those first. Etc. The fact is, everything except the awning has to be done. No one has to pay for a sack of lawn seed and a ton of good soil, only if labor costs come into play, then it looks different. Karsten

Yes, that is clear. The idea behind it is possibly to obtain better interest conditions if the loan amount is lower by excluding the outdoor facility, and thus the burden ratio also decreases.

That is mere window dressing.
The KfW loans are interest-only in the first year – this means you miss one year of repayment and therefore have more left after 10 years.
I may be mistaken, but I thought that 1% repayment is not offered at all with the low interest rates.
certainly knows better

Otherwise, you don't have to replace all the furniture immediately. Curtains can wait; usually, roller shutters are planned, and you could still save yourself a new bed.
You should keep the kitchen as capital in the account if it is not financed together; with built-in wardrobes, you should also pay attention to immobility.
Or, in other words, I would set the interior finishing higher in the calculation right away.

Brief regards