When is the disbursement time? Upon signing the loan?

On what basis is this supposed to 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. That's clear, that then counts as equity.

And which numbers are supposed to be absolute. In my opinion, that is also somewhat illogical at first. Otherwise, I could go to the bank with 0% equity and say I want 200k loan at maybe 2.5%, but next week I come back and want 400k at 1.5% because then I have 33% equity...

We specifically discussed this case with the bank and the interest rate for a second loan would be significantly worse, since the bank can no longer be registered as the first charge in the land register.

We had specifically spoken to the bank about this case and the interest rate for a second loan would be significantly worse because the bank can no longer be registered as the primary creditor in the land register.

That is nonsense. If it is the same bank, it may accept the property as security in second position and put the larger loan in first position. Ultimately, it does not matter as long as it is the same financing institution.

We had specifically spoken to the bank about this case, and the interest rate for a second loan would be significantly worse because the bank can no longer be registered as the first priority in the land register.

The loans themselves are not registered in the land register, only the land charges. One possibility would be to directly register a corresponding land charge.

The bank just has to want to;)

I didn't write anything else either. Everyone here is just sharing their experience - that was ours. And when we talk about nonsense, I see yours as nonsense, especially in relation to my previous post: suddenly using the bank's capital as equity.. I would like to see the advisor's face when you suggest that to them.

And when we talk about nonsense, I see yours precisely as nonsense, especially in relation to my previous post: Using the bank's capital suddenly as equity... I would love to see the advisor's face if you suggest that to them.

Who is registered as the owner in the land register? Of course, it is not free of encumbrances, but it does have an impact on the interest rate that results. Unlike going and demanding sum X for land and house as one amount. Maybe you haven’t read the other finance threads that well; the recommendation is always to buy the land as quickly as possible... guess why?

No, I haven’t. I would argue that it always depends on the situation and that you should go to a financial advisor for that – here in the forum you can only get suggestions. We were also with several advisors and tried out various options. The option to first buy the plot on credit and take out a second loan about a year later was always less favorable (with the same interest rate).