Building a house with a low Schufa score

Sounds reasonable

The amount of the credit card limit has no influence on the Schufa score. I have three with limits between 6,000-8,000 euros. It has no effect. Especially if you travel frequently, a credit card with a somewhat higher limit is necessary (car rental, etc.). When applying, the score may drop slightly, but it normalizes through regular repayment of the credit card bill. It is similar with this small consumer loan. You can check relevant forums if necessary.

I did not express myself properly. Or not fully. It’s not about the actual score for me, but about the bank’s assessment. The installments of the consumer loan are deducted from the disposable income. Likewise (please correct me ) the credit limit is a point in the bank’s risk analysis when granting credit. After all, one could quickly create quite high liabilities through the credit card limit. The SCHUFA is not the only factor in their consideration.

Yes, in my opinion the credit limit does not matter, but ongoing credit installments do.
At the time I found the plot of land, I also had a total limit of over 20,000 EUR across more than four accounts/cards. That would be extremely expensive, which is why you don’t really use something like that. As someone who got stuck in Australia with maxed-out limits because of a rental car deposit, I tend to follow the motto "better to have than to need," or "you need something sooner than you think." Besides, I also had a consumer loan running (with a negative interest rate). However, because the monthly liabilities disturbed the financial structure, I simply paid it off quickly. And I pushed for the fastest possible completion with Schufa. All the overdrafts/credit cards did not cause any problems. Once the application was with the bank, everything went through quite smoothly.

Don't forget that Schufa creates industry-specific scores. These industry scores are not displayed in the Schufa online report. Only an overall score is given there, which is updated only every 3 months. The banks receive a different score.

If you request the free annual written report, you will at least be informed which data has been transmitted to the contract partners in the past year. I once did this after our first financing inquiry. The report 3 weeks later stated that allegedly no data had been transmitted to any banks. Pfff....

How I love Schufa. Collecting data, creating scores, and transmitting them to third parties without you ever knowing the content. If Schufa were invented today, every data protection officer would laugh out loud. But the thing is just too established and powerful now.

You should first inquire with your bank and then one of the major brokers. If Schufa is checked, please make sure that it does not negatively affect the score.