Thank you, wow 6% is quite a statement, that's probably why hardly anyone does it here.
The 3-month Euribor as the basis for the "variable" rate is already at 4%. And the bank also wants to make money, since you can repay the loan at any time. To bridge a certain period, i.e. as a pre-financing, the interest rate is not a real problem. Even 10% for half a year would still be bearable for the customer. P.S. That's exactly what the project developers/builders do - variable financing. From mid-2015 to the end of 2022, the Euribor was negative (sometimes so negative that we wrote negative loan interest for customers in the contract), so that every project was profitable and totally excessive prices were paid for land (from today's perspective). With the interest rate increase, interest costs have exploded to such an extent that from the perspective of builders it hardly pays off anymore (+ cost increases for materials + rising interest rates for end buyers and thus stagnating or falling prices). And suddenly you're insolvent ==> dream house and the like