Financing - where is the mistake?

I want to and have to question this post. It was never like that with a construction loan, it is never like that, and it never will be. The majority of the financing (and the risk costs) is solely based on the security "house" and this should usually be at least 80%. It looks a bit different with 115% financing, but this is rightly advised against by banks here. So conclusion: the interest rate condition for a construction loan does not depend on income. What depends on income is only a decision of the bank, and that is: Do we do it or do we not.

"Lying around" in the sense of "being contributed during house construction." Otherwise, you could also have a million lying around somewhere.

But at the latest, it must be declared in the mandatory self-disclosure. Banks rarely like lying or simply withholding information. In this case, the Schufa does not matter at all and is almost irrelevant anyway.

That depends... but others here know better about that. Apart from interest costs, it is always just right pocket, left pocket.

But at the latest, it must be indicated on the obligatory self-disclosure. Banks rarely tolerate lies or simply withholding information.