When is the disbursement time? Upon signing the loan?

My God.... include the additional costs of, say, 3000 euros. It is good that you recognized that. There is hardly any position in the contract that you can calculate better in advance. The risk when switching off or phasing out is almost greater.

This simply more or less belongs to a house construction in this form.

I told my bank to transfer the money not yet withdrawn (about 60k) to my savings account because I don’t want to pay commitment interest. The other bank had already agreed to do so. I then applied some pressure, and lo and behold, they did it.