When is the disbursement time? Upon signing the loan?

I wouldn't see it that way, let your construction project be delayed, or even if it isn't delayed you fall into the [Bereitstellungszins]. That is usually 3%, the interest rate will certainly not rise that much this year. But as it always is, it's all speculation.

3%??? As a rule, it should rather be below 2% on the remaining uncalled money.

The commitment interest rate for me is 1.8% on the remaining balance from the 13th month onwards.

What do you mean referring to my other thread?

You are still looking for an architect or BU, so you don't yet have an overview of what the house will cost. That means: the bank will not give you a loan for the house yet, as the relevant documents are missing.

We have 3%, I have never heard of it being less, but if that is the case, it doesn't matter. But as just said, without house costs no loan and I would only do it for the land, otherwise you will get the house loan at 5% interest.

otherwise you will get the house loan at 5% interest

On what basis should that happen? We first took out a loan for the land and then one for the house. And oh wonder, the loan for the house has an interest rate 0.6% better than the one for the land. It's clear, that then counts as equity.