Are these good conditions for a long-term central bank loan?

I would recommend putting in 10k more as equity if it absolutely has to be a 30-year fixed interest rate. That significantly lowers the interest rate. Unless you have other plans for the money. But even for me, a 30-year fixed interest rate doesn't necessarily make sense. Of course, it's also a personal decision how risk-averse you are. One person can live well with the risk, another has sleepless nights because of it.

If the chosen nickname contains a hint to the place/region, I can definitely imagine that. :p

You mean "Idar-Unterholz" :D In that area, there are cheap properties...

I would recommend injecting 10k more as equity if you really want a fixed interest rate for 30 years. That significantly lowers the interest rate. Unless you have other plans for the money.
But even for me, 30 years fixed interest rate doesn’t necessarily make sense. Of course, it’s also a personal decision how security-loving you are. One person can live well with the risk, the other loses sleep over it.

Hey,

many thanks to you WissJul but also to everyone else for your support and patience.
You are currently a great help to me.
Did I "calculate" the refinancing correctly? Then it already looks interesting. I’m just worried that I may have “beautified” it a bit.

One more question about the 30-year option:
Are there any good reasons not to finance the remaining 30k loan component with KFW but instead with the bank’s own product? The bank’s own product has a significantly worse interest rate of 1.5 but offers special repayments, change of repayment rate, etc.
If I see it correctly, special repayments make more sense anyway with the product that has the higher interest rate (the 30-year component). Or alternatively a savings plan and then repay as much as possible after the fixed interest term ends.

:
Does 10k more equity really make such a difference with 30 years? According to the bank, the interest rate remains the same for the 30 years.
I guess that only helps with the shorter term (with the other bank).
And if it looks like we didn’t need more for paint, floor, etc. after moving in, the money can still be thrown in as a special repayment. Or am I missing something?

Depending on the bank, it actually makes quite a difference to the interest rate. At least on the amount. 1.84% nominal interest rate would also be possible in some cases, maybe even less. Which bank are you with? and yes, if there is anything left over, you can pay off the rest as a special repayment.

At the bank, it depends on the loan-to-value ratio, i.e. if you cross a magic threshold by using €10k of equity, the conditions look better. Usually, these are 60% and 80%.

For example, we have a fairly good equity ratio because on the one hand we have saved more equity and on the other hand we already have a plot of land that is taken into account, so we have almost half in own funds and end up with an interest rate of 1.05% - over 20 years.
If we only contribute the plot of land and provide no equity, we end up at about 1.3 - 1.6%, without land and without equity it goes towards 2.0%.