Can you/would you like to explain why? I assumed that due to the higher interest rate, longer loan terms are not so uninteresting for banks, especially since after 10 years any (?) loan can be terminated by the customer anyway.
First of all, it is still quite normal today to fix the interest rate for longer than 10 years. We do this daily (although significantly less than before the interest rate increase - but this affects all terms). Apart from that, higher interest rates do not mean different margins for banks. You also have to look at how a bank refinances itself. If you do it right – i.e., congruently structured – and buy liquidity on the market, this liquidity does not only cost interest but also liquidity costs, which are quite high for longer terms. If I am a "gambler," like many savings banks, cooperative banks, ING, etc., I take the depositors’ money (savings deposits) and make loans out of it. So, short-term available money – currently still very cheap – to long-term expensive money. Many banks will now face real problems that did this until half a year ago. Back then, money was even negatively priced – turning it into a mortgage with 1% was okay. But if I now have to pay around one percent interest on overnight money and at the same time continue to receive only 1% from the loan from half a year ago, that no longer fits... Interest rates, refinancing, bank earnings, etc., is a highly complex topic. With private mortgage financing, today you can only make (little) money if you work in a standardized way via platforms or IT-supported systems.
