Poor account management at home bank, application at another bank?

There were really a lot of bookings over a longer period of time, so as an outsider I would really speak of problematic behavior. I know that I have myself under control and that there is no place for something like that in my life anymore. I also spoke with my bank advisor today, especially regarding a [Bausparvertrag] and a [BU]. Then I subtly asked if my bookings would even interest anyone in a few years, and he said that he can only look back one year in the system anyway. I told him that I had been playing online poker for some time. I thought he had called me back then and I told him anyway, so I prefer to play with open cards. He said, as some here have already written, that it would not be relevant later and that I should basically "relax." Apparently, with building loan applications at other banks, only a maximum of the last three months are requested, and general bank references practically only occur rarely. I just can't imagine that the check is so lax? I mean, it's about so much money and other banks just check the [Schufa], the latest account statements, and a few payslips and bam, a few hundred thousand in the account? How can that be? I just can’t imagine that you are not looked at more intensively. Data protection aside. Don’t you think the banks exchange information with each other? Are they really so relaxed because they have the house as “collateral” anyway? Well, as you can see I have really already taken on a bit of paranoid traits and just think a lot about it. There are also some bankers here, as I have read... am I really worrying too much about being stored somewhere as a "gambling addict"? Many thanks anyway to everyone who participates in the discussion

I just can’t imagine that the verification is that lax? I mean, it’s about so much money and other banks just check the Schufa, the latest bank statements, and a few payslips and boom, a few hundred thousand in the account? How can that be?

You’re overlooking that the bank also has a mortgage on the property and can foreclose on your property if necessary. And you don’t just get €400,000 transferred to your checking account; it either goes to you in smaller installments (for individual loans) or in advance payments directly to the general contractor or, when buying, to the seller. Always against invoice. Usually, you bring equity capital, which significantly reduces the bank’s risk.

The total amount is indeed six digits, but as WilderSueden rightly wrote, it is not so easy to spend the money on other purposes. Most banks will readily give out a smaller five-figure sum. No problem to "accidentally" lose that. But to embezzle everything, you really need criminal energy. An exciting thought experiment :cool:

I did a lot of nonsense during my studies, for example … played online games.

I know that I have myself under control and that there is no more room for such things in my life.

Are you still a student? Or have you just finished?

Are you still a student? Or have you just finished?

I will be done in a few months, why?

I will be finished in a few months, why?

Because your gaming can’t have been that long ago. You are dwelling too much on this mistake, so one has to assume that it is still very close to you. But whatever. You still have a few years. The world looks completely different then anyway :)