Energy renovation and extension, KFW 261 example

I had contact today regarding this matter with our Interhyp advisor and the house bank we are in talks with.
According to our bank, they need all the documents required for a regular construction financing (i.e., building plans, salary statements, etc.).
Our bank tried to dissuade us from the arrangement with wild claims like "Renovation is only funded for 40 EE." I was able to refute all but one of these through contact with NRW.Bank.
However, one question remains open for me: Do the conditions/interest rates apply at the time of application or at the time of approval by NRW.Bank? Allegedly, the interest rates in the program are supposed to skyrocket in the next few days with the resumption of the KfW new construction subsidy.

Yes, because the bank does not earn anything from it that way. We will take out building insurance with the bank so that the application can be submitted. The conditions do count when submitting the application. Everything else makes no sense, right? The conditions will definitely go up, this was confirmed to me by several parties!

KfW has just increased the interest rates for 261. NRW.Bank as well.
The information sheet of NRW.Bank states:
"The final interest rate will be agreed with the house bank upon approval of the refinancing loan."
Of course, this is bad, but what can you do.
We will dare it anyway. The KfW lock-in period does not apply if you change the project (for example from 50 EE to 70 EE).

Hey, do you also think that the conditions for our/your project definitely won’t get better than the current KFW 261 and NRW.Bank status? Or wait and see if KFW offers alternatives?

The KfW has already announced the supplementary loan (KfW 358/359) for renovation measures. What else big is supposed to come this year? Of course, one could speculate on generally falling interest rates.

I currently think the combination "NRW.Bank Sustainable Living" and KfW 261 is unbeatable in terms of conditions. What the future brings only a crystal ball can tell.
Our concern is that the interest rates for KfW 261 will continue to rise in the next few weeks. They have already been raised twice since 19.01.

When do you want to start the renovation?