Follow-up financing rejected due to negative Schufa entry

As I said, we have the loan running through the Sparkasse and even today there is nothing in the SCHUFA about our mortgage.

Mortgages only end up in the land register.

would be able to easily finance another house with a different bank ^^

You can also do that with your current bank. You don't have to switch banks for that.

There are also banks that report mortgage loans to the Schufa. So it depends.

And whether you can still finance a house probably depends more on your debt service capacity than on the Schufa. There is no prohibition on multiple financings.

that is, to put it mildly, nonsense, or at best very difficult to prove. it is definitely completely impossible for a bank to terminate an ongoing loan for the important reason of "worsening creditworthiness" just because the borrower once did not pay a phone bill, while the mortgage loan was always paid on time.

Deterioration of creditworthiness and the bank's fear that the loan will no longer be serviced in the future are termination reasons stated in 99% of the T&Cs of all banks. An unpaid phone bill will actually not be a reason – I did not claim that either!!!

We are still puzzling over the extent of the "negative Schufa entry"...

In order not to extend a loan under the given circumstances, something more serious must have happened. It is certainly not just due to an unpaid mobile phone contract, etc... The bank, as long as everything is correct, has hardly any risk anymore. If the customer can no longer pay, the house must simply be sold. Something is being concealed here, which makes it difficult to help constructively. Basically, everyone is just guessing...

yes exactly, it's a pity that the OP no longer responds. Maybe there would have been another tip