ronker
2016-04-11 13:02:04
- #1
Hello forum,
I want to buy a used house and have a question regarding the issue with Schufa in case the seller backs out before the notarized purchase contract at the notary. I have already heard this several times from acquaintances who experienced that private sellers (sometimes selling privately without an agent) decided in favor of another buyer or their higher offer due to the very tight market.
My wife and I have already obtained a Schufa self-disclosure in advance, which shows no surprising entries, and the basic score as well as all other score values are each at least 98. In a consultation at Interhyp, I was assured that when later selecting a loan offer from a bank, only preliminary inquiries are initially made, or rather, no concrete requests are made to the banks but through the Interhyp database.
However, when a bank is selected, it will certainly request a Schufa report no later than the loan application, probably with the characteristic "loan inquiry" and not just with "conditions inquiry." If the seller backs out shortly before the notary appointment, the Schufa score will certainly worsen, and after several such rejections, it may no longer be possible to get a loan contract. It is also questionable whether, in the case of another purchase attempt much later, the same credit institution will be chosen again through Interhyp and whether, if it really is the same institution, it will not still perform another Schufa inquiry.
Can one generally say how much the Schufa score worsens due to one or more loan inquiries? It is quite conceivable (although unlikely) that one is very unlucky and two or three sellers back out.
I am also wondering what happens with any notary costs incurred if the buyer has commissioned the notary and then the seller unilaterally backs out.
I want to buy a used house and have a question regarding the issue with Schufa in case the seller backs out before the notarized purchase contract at the notary. I have already heard this several times from acquaintances who experienced that private sellers (sometimes selling privately without an agent) decided in favor of another buyer or their higher offer due to the very tight market.
My wife and I have already obtained a Schufa self-disclosure in advance, which shows no surprising entries, and the basic score as well as all other score values are each at least 98. In a consultation at Interhyp, I was assured that when later selecting a loan offer from a bank, only preliminary inquiries are initially made, or rather, no concrete requests are made to the banks but through the Interhyp database.
However, when a bank is selected, it will certainly request a Schufa report no later than the loan application, probably with the characteristic "loan inquiry" and not just with "conditions inquiry." If the seller backs out shortly before the notary appointment, the Schufa score will certainly worsen, and after several such rejections, it may no longer be possible to get a loan contract. It is also questionable whether, in the case of another purchase attempt much later, the same credit institution will be chosen again through Interhyp and whether, if it really is the same institution, it will not still perform another Schufa inquiry.
Can one generally say how much the Schufa score worsens due to one or more loan inquiries? It is quite conceivable (although unlikely) that one is very unlucky and two or three sellers back out.
I am also wondering what happens with any notary costs incurred if the buyer has commissioned the notary and then the seller unilaterally backs out.