Refinance existing loans with a construction loan

So if they are shocked! What is the situation with you, tell us your numbers. What are your plans, income, equity, loan amount

Just very surprised since this has never been a problem before. These are not huge loans after all. Hence the question whether something has changed.

What kind of loans are these and how much are they?

One is a car loan with a remaining balance of 10,800 and the other is a personal loan with a remaining balance of 16,000.

What does this have to do with my original question? I don't think anything at all. Regards, arrogance

You took that the wrong way. There is/was a financial advisor here in the forum who made such "suggestions." So it was not referring to your advisors. Nevertheless: It is often read that not even the kitchen is financed, so it's no wonder that your financial advisors give you hope that all loans can be paid off. With consumer loans, there is this refinancing, but there is no collateral; the bank bears the risk through higher interest rates. With mortgage loans, as you mostly see here, that is unusual!

The question is whether this is normal or rather unusual.

Normal if the financing limit is reached and the creditworthiness is weak. Unusual with great collateral value and creditworthiness. Does that help?

Just calm down. Nobody here wants to harm you – not me any more than others. And behind the sometimes somewhat pointed remarks there is actually always an important hint, so maybe try not to interpret everything as a personal affront.

With my statement regarding financial advisors, I meant: A reputable advisor should already know in advance that it is difficult to impossible to finance things with a construction or general real estate loan that do not serve the sustainable increase in value of the property. Put differently: The kitchen in the house will probably not bring in a cent more when selling it later. The same applies to your other liabilities. Since the bank always thinks of its own security first, whatever amount is financed must be secured by collateral – in this case the property. As long as the property (in the eyes of the bank) is (significantly) worth more than the requested loan, that is no problem, otherwise it is. And now we are back to the issue with the kitchen: If the value of the actual property exceeds the loan amount even when the loan for the kitchen is included, everything is fine. Otherwise, there will be a "no," which, however, is due to insufficient equity capital so that the lending limit is exceeded.

If you want to know details, please just ask but stop making any claims or assumptions. That is disrespectful and superficial!

No, presumptuous is your question without the associated information.
So I ask again specifically:
Income, expenses, debts, assets, desired home financing, house costs, equity

Without this information, the answer to your question can only be: Your creditworthiness is too poor and the home financing too high. Otherwise, the banks would not say "no." Not an accusation, but a logical consequence.