When is the disbursement time? Upon signing the loan?

The fact is: The bank wants the entire deal immediately. ok. That is understandable. What you have, you have. Our Volksbank gave us in return 12 months of free standby fees. That should then be sufficient. That's how I would try it. Karsten

Without having read the entire thread now, both the Volksbank and the KSK granted us 18 months of interest-free preparation time after negotiation, completely free of charge ;) Just put some pressure on!!

Since the period between purchasing the land and starting construction will be relatively short with us/should be, I actually see no advantage in splitting it up and would like to take out a targeted loan and plan everything in such a way that after 12 months only a very small part or nothing at all remains of the loan. I will discuss the whole thing again with the financial broker and go into the consultation. With 18 months, I could manage everything directly, which I like.

We first took out a loan for the land and then for the house. And oh wonder, the loan for the house has an interest rate 0.6% better than the one for the land. Makes sense, that counts as equity.

The first loan was not secured by a first-ranking mortgage? Or already paid off when the second was taken out?

A large land charge registered and not fully redeemed.

The topic of separate financing for land and house is (unfortunately) becoming increasingly important for us. After the overall financing would work out, it turns out that the architects and construction companies we have spoken to so far can only start next spring, i.e. construction start in 12 months. We have to apply for the loan for the land in mid-May, which means we would have to start paying commitment interest from mid-May. Since the construction then takes another 10-12 months, we would have to pay the commitment interest for the entire construction phase, which would specifically result in >1000€ interest per month. The following question: How did an extended commitment interest-free period (18 months) affect your conditions? Apart from verbal statements, you certainly cannot get information from a bank about what the follow-up financing for the house will look like?