When should financing be completed?

Do I understand correctly that you can also take out a construction loan when the house is almost finished and then use the amount without any specific purpose?

Yes, you can do that. implemented it perfectly herself.

Also an interesting topic, especially interesting is the tip from the bank. It is really worth considering to do the financing in that way.

Pay the first invoices with it and finish off at the end with equity (terrace, outdoor facilities, carport, kitchen, sauna, furniture, etc)

Provided the bank allows debt before equity. That is not always the case, so I would strongly recommend the original poster get that confirmed.

Another point would be whether the general contractor wants to see proof of financing before starting.

As long as the bank allows debt before equity. That is not always the case, so I would strongly recommend the original poster to get that confirmed.

The bank wanted equity before debt,
regarding the question about kitchen, paths, carport and terrace from the bank, the deal was
first 100k equity, then bank money, and done again with equity.
The bank participated in a relaxed manner.

Thanks for the answers.
I spoke with Dr. K today. His advice was to arrange the financing through a "capital procurement" once the house is built. He said that, in his opinion, interest rates will likely go even lower or remain the same over the course of the year.
However, one argument in favor of financing now (as you pointed out) is that overall you would have your money more flexibly available, including for other things not related to the house.

Thank you for the answers. I spoke with Dr. K today. His advice was to arrange the financing through a "capital procurement" once the house is built. He said that in his opinion, interest rates will rather decrease further or stay the same over the course of the year. However, an argument for financing now (as you pointed out) is that you generally have more flexibility with your money, meaning you could also use it for other things not related to the house.

I am glad that you have already spoken with Dr. K and have obtained his professional opinion. His suggestion to arrange the financing through a "capital procurement" once the house is built is based on the assumption that interest rates will remain low or decline further. This could be a cost-effective option, especially if you do not need immediate liquidity for other purposes. On the other hand, as you and other forum members have already noted, earlier financing offers the flexibility to have money available for unforeseen expenses or other personal needs. This can be particularly valuable during a large project like building a house, where unexpected costs often arise. Ultimately, the decision depends on your personal financial situation, risk tolerance, and needs. It might be helpful to also consult your own bank or an independent financial advisor to make a well-informed decision that fits your specific circumstances.