SCHUFA has developed a new score made up of twelve criteria. One of them is called real estate credit. You can find out how this criterion will affect your creditworthiness in future here.

• Subject of the criterion: Real estate loans or guarantees
• Points in the score: 0 to 55 points
• Minimum score awarded: No real estate loan or guarantee for this loan
• Maximum points awarded: Existing real estate loan or guarantee

Real estate loans are a special form of credit. Statistics show that people with real estate loans or people who guarantee real estate loans are less likely to default. This is because, in addition to a particularly detailed creditworthiness check by the bank, the granting of real estate loans is usually linked to a stable financial situation. This is positive for the score.

If a person does not have a real estate loan, zero points are included in the score. Consumers receive 55 points as soon as they have a real estate loan or if they guarantee a real estate loan.

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