Construction financing despite a very bad Schufa score

  • Erstellt am 2018-11-28 22:47:58

maduuto

2019-07-05 23:45:38
  • #1
I want to report again, Schufa Basisscore is at 93. However, the banking industry score is at the letter G. Does anyone know and can say whether I shouldn't even inquire at the bank because it doesn't make sense? The favorite will be [die deutsche Bank], they have the best conditions for us. How do they operate?
 

FengShui

2019-07-06 01:10:14
  • #2
Basically, it would first be important to know in which region/city you are located and want to buy/build. There are partly regional banks that are not connected to Schufa and accordingly also finance despite a negative Schufa.

Although with your score I wouldn't really call it bad yet, it can be much worse up to no score at all.

If necessary, you just have to try with a bank that makes the correct Schufa request (credit condition). Definitely not with a standardized direct bank in that case.
 

hampshire

2019-07-06 10:00:14
  • #3
Have you ever contacted [Schufa] and received an extract of entries and deletions? Based on this, you can see whether the basic data is correct.
 

maduuto

2019-07-06 10:58:38
  • #4
Yes, always since the score has always been bad. Unfortunately, everything is correct.
 

FengShui

2019-07-06 11:09:21
  • #5
How often have you moved in the past? That also affects the score. Speak from your own experience.
 

M4rvin

2019-07-06 23:10:49
  • #6
Since you know your score, you have probably received your annual "free" report, right? There is actually quite a lot in it!

Edit:
I looked at mine from January, I have 99.14%.
It includes my two health insurances, my checking account (1700€ overdraft), my mortgage, my life insurance, and everyone who has checked my score (electricity providers, credit inquiries, etc.).
Furthermore, my last address. (I've moved quite often)
 

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