Make a special repayment or pay off the KfW loan?

Interest rate difference between bank loan and KFW is marginal, therefore repay KFW. Otherwise, always follow the rule of thumb to repay the higher interest first.

The only disadvantage I see is parking the special repayment in a daily money account. In 5 years the car breaks down and this saved money is used to buy a new one.

I always say "what's gone is gone."

Better to take out a building savings contract for the remaining debt and/or ask KFW if the repayment can be increased here.

Interest rate difference between bank loan and KfW is marginal, therefore repay KfW.

Can you explain that?

Can you justify that?

just write to the OP

Bank loan 1.59%, Kfw 1.4%, that's a 0.19% difference. It doesn't get any lower than that.

As a comparison to my construction financing from 2013 where the "spreads" were wider. Bank = 3.25% Kfw 1.7%

Then the question of where I make special repayments doesn't even arise.

Otherwise, as I already said, the banks are speculating on that. The customer tends not to make the planned special repayments. Either because he blows it or misappropriates it.

The interest rate difference is small, that is clear. Mine is also higher :)

But why then the statement to save the money and only repay the KFW loan eventually, especially with the risk you mentioned that the money might be spent somehow. You are actually contradicting yourself.

So why not repay the higher-interest loan immediately?

Because after 10 years, otherwise €39,000 remaining debt from the KfW will need to be paid off, for which there is otherwise no plan

ok, so if I may summarize...

if you really stick to saving and don't spend it on anything else, then saving for the KfW would make more sense. Otherwise, just a normal special repayment on the bank loan – because: what's gone is gone...?!

My biggest worries would simply be that interest rates go up and then I would have to pay off the remaining debt of 39k at a significantly higher interest rate.

Sure, none of us have a crystal ball. But the interest rate simply can't get much lower than it is now.