Kfw follow-up financing experiences?

Hello everyone,

I came across this forum through my Google search and a link there to a post with the same topic here in the forum, but I wanted to ask myself now.

I have the following concern:
My fixed interest period with two Kfw loans (currently 36 and 41 thousand euros) and the annuity loan expires after 10 years in January 24.
I have found different information online about how it works with the Kfw. Therefore my questions:
1. Can I simply repay one of the Kfw loans and possibly restructure the other? I have read that you cannot simply repay them but have to make use of the special termination right. Elsewhere it says you can simply reject their offer for new interest rates. So what is correct?
2. When exactly do I have to terminate, if necessary, to get the special termination right after 10 years?

Further questions:
3. Are there any fees (notary, land registry) for a debt restructuring?
4. How do you assess my plan to repay one KfW loan with own funds plus a private loan of 15,000? Conditions: 60 months term, special repayment possible, 4.95% nominal interest rate. I would then possibly take the other to my house bank or restructure it.

Do you have any other tips for me?

Thank you very much!!

Just ask your lender. You can basically do anything after 10 years when they expire. So, a new credit bank for your remaining debt, making a partial early repayment, or whatever. I requested an offer from my finance bank for everything, or rather inquired about everything without a Kfw remaining balance. I repaid that partially early and refinanced the rest for 10 years. By the way, it was cheaper to stay with my bank, even though they were a bit more expensive than another bank, because there would have been additional costs for land registry transfers.

4. How do you assess my plan to repay one KfW loan with equity plus a private loan of 15,000? Conditions: 60 months term, prepayment possible, 4.95% nominal interest rate. I would then possibly take the other one to my house bank or refinance it.

Why? You can also combine both loans into a new loan. And from that, you repay part when refinancing.