Daily savings accounts - How should one save best?

oh man....healthy half-knowledge who created your entry? cortal???

I like to repeat myself. Accounts that are exclusively passive (savings accounts, overnight money, fixed deposits, savings contracts, savings bonds) do not lead to Schufa entries.

It is different with contracts that can lead to a debtor-creditor relationship for the investor (overdraft, securities accounts, credit cards, etc...).

Therefore, I take the bet and say: pure savings accounts do not lead to changes in the Schufa score. Neither positive nor negative.

Bet: An ice cream or beer at the next meeting.

Oh really?
In the case of a savings account, a Schufa entry is usually not made. Just be careful what you sign and that's it.

That was the reason why, for example, I avoided Cosmos Direkt. They wanted a credit report just because I was giving them my money... no way.

The Schufa score usually has no impact on a secured loan..

Schufa score has no impact on a secured loan? Wouldn't that mean that people who aim for 100% or more financing when building a house would get the construction loan despite a bad Schufa score? The collateral is usually the house here. I somehow can't imagine that.

The Schufa score should not influence the interest margin, but rather whether someone gets a loan at all.

A poor Schufa score is likely to be associated in the majority of cases with legitimately poorer creditworthiness (low income, other debts), which makes it difficult to distinguish whether a loan would be rejected due to a poor Schufa score or low creditworthiness.

However, even with a secured loan, the ability to service the debt (interest and repayment) must be ensured by an adequate income, which is not reflected in the Schufa score ...

A 100% financing is not a secure financing. In this respect, it is indeed a wrong assumption.

Technically correct is that a 60% financing is a secure financing without (or only with a low) realization risk.

In that case, one can quite simply ignore a bad score if the rest of the framework fits.

Quickly back to the topic of [Bausparer].
Do you think it might make sense to terminate existing [Bausparer] in advance (already now) and also save that via [Tagesgeld]?
Do I have any disadvantages if I keep the [Bausparer] running?

As mentioned, the interest can be neglected for the next 3 years since there are only about €15,000 in the [Bausparer].

I actually want to do less now for a later financing after the first fixed interest period expires, and rather save to keep the loan amount smaller.

I can also write out the details of my two [Bausparer] later.