Construction financing despite a very bad Schufa score

how, early repayment of loans is bad? I actually do that always, as long as there are no extra costs. But the loans that were repaid early in the past are no longer listed. Do they still affect the score anyway?

Yes, since you do not adhere to the contract. At least I once read that somewhere!

Since Schufa does not disclose how exactly the score is calculated and what influences it, one can only speculate anyway.

If only I had finished the banking apprenticeship... but Deutsche Bank was already "in decline" back then. During the one year of apprenticeship, 2 of the 3 DB branches in my city closed down and 2 of the 3 apprentices from the year before last were not retained. And that year there were only two apprentices of the bank in the whole city. Unfortunately, one of them dropped out and decided to do the Abitur instead.
Oh, that was the year when Hilmar Kopper invented the "Peanuts"
that did not exactly strengthen my confidence in the career choice ...

Hello, Score has unfortunately only increased slightly from 83.31 to 84.51. Unfortunately not good. At the end of July, the construction financing will be applied for, we are expecting the worst. However, my partner should have very good creditworthiness, let's see how the bank mixes that.

How is it generally, Deutsche Bank wants the latest bank statement. But there the expenses are higher than the income, since we ordered a lot of concert tickets, among other things, but the money comes from the savings on the current account, i.e. the vacation money that was still on the account 2 months earlier. Can you explain that to the bank or is it not a problem if there are more expenses than income when the account balance is well in the positive?

It reflects your actual income to expenditure ratio, what do you need to explain there. Especially if you now have a negative balance in the account, I don’t know if it even makes sense to build anything then.