I have received concrete offers as of today:
Offer number 1:
€120,000 through the bank at 1.62% for 20 years
€100,000 through KFW at 1.06% for 20 years
Mixed interest rate of 1.38% effective -> no special repayment for the €120,000 / KFW can be repaid early without limit
Offer number 2:
Identical to above, only 1.86% effective for 20 years on the €120,000 loan
However, up to 5% special repayment
I am currently leaning towards offer 2 because of the regional contact person. Since I forgot to inquire about no special repayment there, I will follow up on that - maybe he will match the first offer. At that interest rate, special repayment hardly benefits me anyway...
I would like to finance the €20,000 for the photovoltaic system via KFW273 - however, I still need to find out whether the KFW Bank's offer can be combined with the 10,000 houses program.