Refinance existing loans with a construction loan

Believe me, hardly any institution is as suspicious to me as this place, but (by now) there is a clear statement that pure inquiries do not affect the score. Is it true? IDK ... That's why "allegedly"

I also once learned that you have to make sure that it is a "Konditionenabfrage" so that it does not go to Schufa. But as you say, they don't let anyone look behind their scenes...

There are apparently different types of inquiries as I have heard. Some are only in for a few days and others for several months.

Yes, the inquiries and the applications, whereby the former are stored temporarily but do not enter into the score.

Because I want 1.09%. And if they refuse, I can always take the DSL where everything is no problem and refinance the loans but those are at 1.63%. I think you would do that too, right?

Oh, I see

Yes, the inquiries and the applications, whereby the former are stored only temporarily but do not count towards the score.

Wrong. They do count. The score changes. I can testify to that firsthand. Unless it has changed in the last 10 years.