KfW follow-up financing conditions

Hello dear house building forum participants,

has anyone already received a follow-up financing from KFW? What do the conditions look like?
We have a condition of 100,000 with 0.98% and with 10 years fixed interest rate. Afterwards, we still have 70,000€ remaining. How is it interest-bearing after that? KfW also has as a term 25 years. Does that also apply after the fixed interest period?

As one of the "longest-serving" active forum members, I do not know anyone whose 10 years should already be over.
If at all, there might be someone who built/bought a long time ago and now wants to build again.
For me personally, it will still take 2.5 years until the 10 years are over.
To my knowledge, the KFW conditions for the extension are often uninteresting, and an offer is made by the intermediary bank.
Alternatively, you make use of your special termination right after 10 years and owe everything back in full.
But hopefully, you don’t want to know now what kind of offer will be made in 10 years.

kfW still has a 25-year term as a condition. Does this also apply after the fixed interest period?

Fixed interest period is fixed interest period, and term is term. They are independent of each other.
To what extent the term is extended or the rate increased in the case of rising interest rates, I do not know.

You hopefully don't want to know now what kind of offer will be made in 10 years.

I guess she wants to know, since back "then" there wasn't even under 1% (2%), I think. That only started around 2015(?)

Thank you very much for your answers, yes it's true there isn't anyone yet for whom 10 years are already over but maybe 5 years? Just good to know how the follow-up financing works there... whether the conditions differ significantly from each other. I just find it annoying that you can't choose the repayment from the KfW yourself, but it is different than with a bank.

I just find it annoying that you can't choose the repayment with KfW yourself, unlike with a bank.

Where's the problem? Simply pay off the remaining debt completely after 10 years with your savings, then you don't have to sign a follow-up financing.

Where is the problem? Simply pay off the remaining debt completely with the savings after 10 years, then you don’t have to sign any follow-up financing.

So, in 2008 there were only max. €50k KfW40, €48k KfW60, interest was around 3.3…3.6%, normal loan 4.6%.
In 2016, KfW was redeemed with 1.3% and interest rates for 2018/19 were “secured” via forward.

How it will look in 2031, nobody knows.