Daily savings accounts - How should one save best?

hmm... well, I don't know, your "savings tariff" is probably really just designed as a savings variant and was never really favorable for the loan... I speak from my experience, definitely check it carefully, but don't exclude or cancel it outright... then the closing fee is definitely lost. I have a home savings contract that will pay off about 66,000 in 10 years... I've been saving 120 euros monthly into it for almost a year now and may make a special payment when I receive my Christmas bonus... I have calculated exactly how much I need to pay in order to reach the allocation by the end of the fixed term. I have then saved almost 19,800, pay 2.45% interest on the loan, which I can repay at any time without cost, and have a monthly rate of 350 euros... for me personally a good solution because I wanted security... that doesn't have to apply to everyone. But if there is a home savings contract, at least you can check it.

That doesn't sound great. So that's about 10 (without special payment) 13 years where you save the money at poor interest rates instead of paying off your loan faster! Every month 120 euros less repayment, so you forgo a chunk of money (that would save quite a bit of interest, just the first unpaid 120€ are interest-bearing tenfold!!!, at an interest rate of 2% that's 20%). Plus fees. If the money were invested in the other loan, there would be significantly less remaining debt. And the allocation is recalculated every year, it's never fixed, with a bit of bad luck it can shift, then you have to put in more money or wait. I can agree with you about safety, but you definitely pay a high price for that with a building savings contract. And if instead you had repaid more, 50k isn’t really a risk amount.

I have double-checked... your calculation isn’t quite right... if I put the 120 euros into the loan, I would pay off nearly 20,000 more, yes... also save 2,000 euros in interest... but then still let the rest accrue interest at the applicable rate then, God knows where that will be... as I said, I personally buy security there... everyone should do it as they think best.

and with this discussion we keep drifting further away from the topic.

For consumer loans, the Schufa score does indeed have an influence on the interest rate.

If one then draws the conclusion:
Many new bank accounts opened => worse score (I consider this realistic, but no one knows exactly, as it is Schufa's business secret)

What kind of entry is that supposed to be? An entry for the proper deposit of 500 euros? LoL^^

It's not quite that far-fetched!! Have you ever requested a report from Schufa and read it?
The Schufa data then states, for example:

"On 01.01.1958, Fzzliputzbank reported that a call money account under the number 08154711 was opened. This information is stored as long as the business relationship exists."

So, and of course these data have an influence on the score value. It is, for example, known that many mobile phone contracts have a negative effect, or moves, or so on... I can well imagine that the massive addition of business relationships - also of call money accounts - negatively affects the score.

So, here comes the crux: No proper bank will base the interest rate for a real estate financing on the Schufa score, but rather on their own determined data such as equity ratio, income, etc.. At most, if there are negative entries at Schufa like "has submitted a sworn affidavit," the bank will also reject...

Hello people, once again, PURE daily allowance accounts without checking or other credit cards etc. are not reported to SCHUFA. Therefore, read the contracts... if anything with Schufa is mentioned, it is not a pure daily allowance or savings account. Btw. I have already seen several Schufa data printouts, it says at most "an account was reported" or a mobile phone contract or something that is connected with credit or overdraft... always when the contracting party could go into the red.

hello people, once again, PURE savings accounts without checking or other credit cards etc. are not reported to SCHUFA. Therefore, read the contracts carefully...if anything mentions Schufa, it is not a pure savings or deposit account.

Wrong.

Btw. I have already seen some Schufa data printouts, it says at most "an account was reported" or a mobile phone contract or something related to credit or overdraft facility...always when the contracting party could go into the red.

Also wrong. Apparently, you haven’t seen enough Schufa "data printouts" yet. You can come by and take a look at mine, maybe it will broaden your worldview.