Around 60,000 euros follow-up financing - bank recommendation?

Hello,
our 10-year fixed interest period will expire in 1 year. We need to refinance around 60K. Our current bank offers tiered interest rate options, for example 2.2% for the first 3 years and then 2.65% for the last 5 years. No idea if that is good or bad. What annoys us, however, is that they completely remove the option for special repayments.

Do you have any tips on which bank might offer a good deal for switching?
I have to mention that I am self-employed. That makes it difficult with some banks. But my husband is a regular employee.

Hmm, with that amount I would consider financing variable, then you also have no problem with lack of special repayment option.

But then the expected interest rates are much higher, aren't they? Unfortunately, I have no idea about such things... :oops:

Consider switching to another bank. That means once again having to change the land register with associated costs. But for a current financing, it is quite "cheap"; the conditions usually do not get lower under a €100,000 financing.
Is this going to be a forward loan?
We have now financed €85,000 in April for next year under the same conditions (special repayment, change in interest rate) with the same bank (Ing-Diba). However, this was again only split for the main loan (€50,000) and the earlier KFW loan (€35,000). With special repayment, we would be done in 5 years (although the 5% special repayment on €85,000 is not exactly great either).
Why don’t you go to Dr. Klein!

Yes, it is a forward loan with 2 split parts, like with you. I'll check again if I misread the terms...

Why 2 parts? Can't the KfW be transferred to the normal one anymore, or merged? :rolleyes:

With that amount, changing banks is probably not worth it (see ypg), unless the conditions are unbeatable.