Refinance existing loans with a construction loan

I would see it the same way. I have had Schufa online for a while and every time, for example, Klarna made an inquiry, nothing happened to the score

ING is primarily a direct bank. So you can contact them directly (online/by phone) and submit your request. However, that does not mean that the caseworkers will speak to you directly. Especially in the case of a mortgage loan, which is a product that requires a lot of explanation, in practice it hardly works without advisors, who, however, do not work directly for ING. These advisors usually have direct contacts there whom they know (and vice versa), which makes many things easier.

During the times of Corona and home office, some processes at ING have apparently been changed dynamically, which can result in the aforementioned "mess," meaning, for example, that all risks are fully deducted, but the asset side is not fully taken into account, leading to a distortion of the valuation. This can only be clarified if someone—the advisor—consults with the contacts known to him/her from the escalation level and clears it up. I have experienced exactly that again myself.