What financing is suitable for new construction in 2018?

And there is also a difference whether you have 99.5 or 96.

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 in the end you are even only 0.1% better off on the interest rate, then it is probably worth it. But everyone has to decide that for themselves.

Dear Hausbauer1,

and where exactly is it stated that the Schufa score has an influence on the conditions and/or that a score of 99.5% in any way presents/affects itself differently to the bank compared to 96%?

I don't know if that is written anywhere. But talk to experts, it will open your eyes.

99.5 is, by the way, a fantastic score. 96, on the other hand, is already quite mediocre.

I don’t know if it says anywhere. But talk to experts, it will open your eyes.

By the way, 99.5 is a fantastic score. 96, on the other hand, is relatively mediocre.

I have done that and was never told that a score of 99.5% results in better interest rates than 96%, or that it has any influence on the terms.

Unfortunately, I also can’t see why 96% should be a mediocre value, regardless of the question remaining, mediocre for what?

I don't quite understand either, we received our terms before they checked [Schufa]

I did that and have never been informed that a score value of 99.5% leads to better interest rates than 96%, or that it has any influence on the conditions.

I also cannot see why 96% should be considered a moderate value, regardless of the question remaining as to moderate for what?

I did not say that it is like that, but that it could be. It also depends on other components.

And whether you recognize that 96% is rather moderate or not is completely irrelevant. Risk classes are assigned based on this percentage value and with 96% you are no longer considered a low or very low risk. At just over 90% you are already a significantly increased risk. Believe it or not.

And only above 98.5% is really good.

And only above 98.5% is really good.

No idea what competition you want to win with that. For most people here, that's completely irrelevant because the score has no significance for real estate loans, but mainly for consumer on credit (aka: payment cards).