Financing with KFW funding

Hello,
I have a quick question about the financing process with KFW funds.
If I want to finance €260,000, and of that €100,000 is through KFW, how is that composed?
€100,000 through KFW at e.g. 0.5% due to the subsidy and the rest of €160,000 through e.g. BHW at 1.2%.
Are the two loans then combined, or is the KFW loan paid off first since it only has a fixed interest rate for 10 years and afterwards the rest!?
I really have no clue about that

Thanks Burner

Both are repaid simultaneously. However, when taking out the loan, you can specify from which loan the money should be used first; depending on the free availability period, it makes sense to strategize here, although KfW only offers 6 months now.

e.g. monthly €200 KfW and €300 BHW.

So if I want to pay off the 100,000€ in 10 years with a rate of, for example, 700€, then I could at the same time already start paying off the other loan with, for example, 200€, so that I would come to a monthly burden of about 900-1000€. We would take 24,000€ as [ST] from the Baukindergeld. So I would then have to make sure with the second loan that I take a fixed interest rate period of, for example, 15 years so that it is fixed for that time. The interest rate is then only calculated on the 160,000€.

yo.... although you have the BHW, so a building savings variant in there??

have you ever had a consultation appointment for financing? If you don’t understand a product, ask ask ask or leave it be

We have an appointment next week, I wanted to get some information beforehand. You can’t really find anything about the exact procedures online. The thing with the BHW was just an example.. I can always have the repayment rate adjusted? So when the KFW loan is paid off, the other one can then be increased!

We have an appointment next week, I wanted to get some information beforehand. You really can't find much about the exact procedures online.
The thing with BHW was just an example..

Can I always have the repayment rate adjusted? So when the KfW loan is finished, the other one can then be increased!

No. If you are done with the KfW loan in 10 years, you will still have €60,000 of the €100,000 debt left to repay. Probably at higher(!) interest rates than the first 10 years.