Construction financing - Different statements by intermediaries

Well. There can be two reasons: 1. The house seller is currently very busy and also has concerns about the feasibility of the financing. The financer then quickly tells him whether the financing is feasible or not, so that he does not waste unnecessary time on a possibly unrealizable construction project. 2. The financer pays the house seller a commission. This is quite common. We ourselves had to experience once that we were more or less thrown out by a house seller when we told him that our financing with the house bank was already secured and that we therefore did not need contact with a financer.

In advance, I had already inquired at Interhyp and provided my personal "key data" and a "fictional" construction project to see if and how financing would be possible.
I received various financing offers/options and, based on my key data (civil servant, income, expenses), I was also told that there would probably be "no concerns"...

But from him, there were rather statements like "I see the financing as difficult," "all banks show red for me," "we still have to do a bit more work."

Unusual, since basically everything is automated through very few platforms and regardless of which platform is used, the same traffic light logic is behind it at the individual banks. There is "only" a roughly automated traffic light display, which is always identical with the same framework data - no matter which intermediary comes along. If Interhyp gets green, the intermediary of the developer also gets green displayed.

Hello, I have an offer from a property developer for a house with land. Previously, I had already inquired at Interhyp and provided my personal "key data" and a "fictional" construction project to see if and how financing is possible. I received various financing offers/options and, based on my key data (civil servant, income, expenses), was also told that there were probably "no concerns"... One week later, as mentioned, I also had the offer from the developer, which corresponds quite closely to my "fictional" construction project (location, size, usage, costs, etc.) The developer/seller said, however, that he "wants" the financing to be done through "his" mortgage financier, as he works with him on all construction projects ("If he can't do it, then no one can," "He sometimes has direct contacts to the banks and can also solve difficult cases" ... and similar common statements). Since I am not strictly bound to Interhyp and am quite "emotionally detached," I contacted "his" mortgage financier with the same "key data," etc. But from him, I only got statements like "I see the financing as difficult," "all banks are showing red for me," "we still need to do a bit of work on it." My question is, are there such differences among mortgage financiers or does Interhyp handle offers more leniently ... or am I perhaps a difficult case after all? I know this is quite general, but maybe someone can spill the beans or has an explanation for this? Many thanks :)