Account statements for the last 3 months

Hello,

I am a civil servant and currently working on the construction financing, and finally, our advisor wants the bank statements from the last 3 months. Just so you know, I am not overdrawn, but my account balance has decreased significantly during this period for various reasons. Can the financing fail because of something like this? I recently paid off debts with a building savings contract and then treated myself a little. Now my girlfriend and I want to buy an apartment.....

It is less about the balance and more about regular (debit) bookings. In other words, undisclosed installment payments, the constant amount of your income and its origin (one or more employers, self-employment,...) and the confirmation of your own information (amount of health insurance,...).

It will not fail because of this; in extreme cases, there may be an inquiry. But actually, I know it like this, that they only check a box if the income is consistent and the rest is hardly read.

It is less about the balance and more about regular (debit) transactions. In other words, undisclosed installment payments, the consistent amount of your income and its source (one or multiple employers, self-employment, ...) and the confirmation of your own information (amount of health insurance, ...).

So far, I have refused to let my lenders see my complete statements. I have only left the monthly incoming salary unredacted. The bank has no business seeing private expenses listed there. If the bank insists on it nevertheless, it would be out of the question for me—if only on principle.

That probably depends entirely on what negotiation situation you are in. At that stage, you have already chosen this bank yourself because they made a good offer. I don’t know if I would then take the risk of an informal rejection and have to search again just because of the bank statement. I mean, what is there to discover? At least for me, there are hardly any individual debits since almost everything goes through credit card, Paypal, or similar. And financially, you’ve already essentially stripped yourself bare at the bank anyway.

I think I also blacked out. It's none of their business how often I withdraw or transfer how much...

That probably depends entirely on the negotiation situation you are in.

Only if you have a bad credit rating does the bank have the better position. Otherwise, EVERY bank is desperately and frantically looking for lending business and the customer is king.
With a normal credit rating, not even the terms would be relevant to me (and even then you can almost freely choose the banks – they all just boil down to the same thing). The bank simply has no business with my private life. My personal opinion, and I am consistent in implementing it.
But I have also never had the problem that a bank complained.