What financing is suitable for new construction in 2018?

Yes, I definitely have, otherwise I wouldn’t have written it. I also have a score close to 100% and still it’s worth knowing a bit about what to pay attention to. And there is a difference whether you have 99.5 or 96.

Optimization means you regularly check what information is stored about you and how it affects you. For example, you pay attention to the number of credit cards and checking accounts, are aware of what happens when you change your electricity or telecommunications provider, avoid moving too often. Use overdrafts and existing loans wisely. There is enough information available on the internet and by trying out a bit you quickly find out how things affect you.

The banks look at their own credit ratings anyway. The [Schufa] is more or less irrelevant.

by trying something out, you quickly find out how it affects things.

I find this statement a bit bold. On the "Internet," no one knows exactly how "the" Schufa score is calculated. And no one will use their overdraft, change their electricity provider, or even move, only to find out how that affects their Schufa score (to possibly switch back to the old electricity provider afterwards?). Especially since more than one credit report per year already costs money again. Furthermore, the "Internet" says that for real estate financing, the Schufa report is not that important. Of course, I do not mean that the score does not matter! However, I think that optimizations are rather unnecessary as long as one generally lives normally and has their finances under control.

No one knows exactly, and yet it is not so difficult to find out certain effects. And yes, the bank uses its own scoring system, but the Schufa score is usually an important component of it. And if, with little effort, you end up with even just 0.1% better on the interest rate, then it is probably worth it. But everyone has to decide that for themselves.

And what hardly anyone does... well, what an argument. I can tell you that by simply understanding the effects, I have found out quite a bit.

The most important thing: Move to a wealthy area

The most important thing: Move to a wealthy area

That is precisely the one piece of information that Schufa insists it does not use (Geoscoring).

I myself have such a Schufa online access and observe the quarterly fluctuating base score and have to say that so far I could only derive one rule: Moving is bad. It immediately drops by 3-4%, which takes about the same time in years to be balanced again.