House buying - No idea what one can afford

I don't think there is a Tagesgeldkonto like that at DKB, so separately, which maybe isn't bad anyway, and then something like Ing-Diba, I assume?

Yes, it is paired with a Visa credit card. The interest rate is always slightly above average. Interest rate from 01.06.16 is 0.6% up to 100,000 euros.
The interest is credited monthly!
Additionally, free cash withdrawals worldwide.

okay, we have several credit cards here that we also use for cash withdrawals etc. That would then mix there or... I could use my personal credit card, since otherwise we only have the joint account - but then everything is still in one big account.

I think I read here that this wouldn’t be a good idea - but there is still some time since the loans have to be repaid first. Best to start with consumer/private loans, then KFW student loan, and finally BAföG, since there was no information yet about when anything will come. This is certainly best with regard to Schufa and the deletion of this information.

Open another credit card account. There is no problem with that, and just put the credit card in a safe and don’t use it. Then you basically have a pure savings account for saving.

Just open another credit card account. It’s not a problem there and simply put the credit card in a safe and don’t use it. Then you basically have a pure daily allowance account for saving.

That’s exactly how we do it

I would choose a different institution like Ing-Diba

otherwise you risk transferring money incorrectly

I would choose a different institute than Ing-Diba

otherwise you might be tempted to transfer money

Transfers also work from/to an external institute, I see no advantage/disadvantage there.