Refinance existing loans with a construction loan

Yes. In my opinion, there is nothing negative in it.

What does that specifically mean?

That there is no garnishment, debt collection, insolvency or anything else included. Score is 98

Sorry that I have to say this now.

These wishy-washy statements always... There has to be some reason. Your salary is not sufficient as you said but rather tight, plus 2 consumer loans, 0 equity although the property is to be evaluated positively but the desire to include the kitchen as well.

Is the property paid off? You haven't answered yet hopefully otherwise it will get worse.

Let's summarize.

You are 47, woman 41 and 2 children.

4100 income, part of which is even early retirement pension.

From that, 2 consumer loans of about 450 euros go away.

You want something around 450,000 from the bank, that is 5x 350 euros for it to be a healthy financing.

The bank calculates with at least 1600 living costs plus each child with about 300-400 euros on top.

These are just approximate numbers.

Your financing runs until retirement, dude, that's negative.

To put it mildly, your creditworthiness is bad.

To put it mildly, your creditworthiness is poor.

That is too harsh. Let's say the creditworthiness does not meet all the wishes expressed by the OP at many banks.
But we have already known that for about 140 posts.

Alright, if all this is so shitty, then we simply won't build. But I also have to say that all our financial advisors are idiots! No one told us beforehand that our case is hardly or not feasible at all. Wishy-washy: the question about the Schufa is wishy-washy and not specific. What are you supposed to answer to that?

Well, you have to adjust the house to your finances. Have you ever asked the bank what they can give you instead?