Follow-up financing for two loans with different terms

Maybe it actually makes sense to address the issue quite openly and ask for a new complete offer.

I think I would address it very non-offensively. :) This special termination sounds so special because it's in the name, but I don't think it's such a big affront as one might see. I believe this is a pretty common business case for a bank; I can well imagine that they go along with it. If they offer you something, they continue to earn, if not, someone else earns. Why should they let you go?

That is exactly the crux, and that's why I have in mind that some banks do not allow special termination and simultaneous new financing. But there is also competition ;)

No, that is a standard business.

If you use the Baugesetzbuch option, no bank causes problems. It was different when people sued their way out of the contract due to the revocation. Some banks were somewhat annoyed and did not make an offer.

No one has to "Call Back" either :D
(duck and away…)