Banks must require more collateral for real estate loans

The interest rates are so ridiculously low that the repayment annoys me. I want to repay 0% and rather invest my money Unfortunately, the bank doesn't agree. Part of our loan (fixed for 5 years) is now running out. Remaining amount: 250k. I could pay that off immediately, I wanted to at first Now the bank comes and offers me 0.2% interest for another 3 years. So that's about 40 EUR per month for a 250k loan. I'd be stupid not to do it... unfortunately they still require 1% repayment