Opinions on my financing offer

[...], the 1.28% remains fixed for 10 years (if I had gone for 15 years, the interest rate would have jumped to over 3%).

In my opinion, the current provider (if it was the same one) has disqualified themselves.

That is absolutely unprofessional or a defensive condition.

For an 80% loan (and it will roughly come down to that), 1.28% is a top rate and actually only explainable by the relatively high repayment (almost full repayment). Normally, something around 1.50-1.70 would be usual.

Whereas volltilger should also be understood as volltilger, or not? Only with Sondertilgung does the bank still have somewhat different refinancing costs