Prioritize KfW or bank loans in 10 years?

Hello everyone, we want to take out approximately two loans of similar size. The KFW loan 153 with 120,000 EUR for a KfW55 house and a bank loan through Wüstenrot with about 80-100,000 EUR as well.

The KfW loan has a fixed interest rate for 10 years. That means it will be renegotiated afterwards. Therefore, we also want to make the bank loan with a 10-year fixed interest rate. The loan amount is not that high anymore to eat up our interest, so 10 years is already good, right?

Which loan should we prioritize more strongly in the first 10 years? I think that you get better interest rates later with Wüstenrot than with the KfW bank. The background of this assumption is that Wüstenrot not only mediates its own loan conditions but also, similar to Dr. Klein and other loan comparison portals, also uses other loan offers. Therefore, I think that in the 10 years we should try to pay off the KfW loan as best as possible (monthly rate maybe 80-20 or 70-30) or is this assumption wrong?

Thank you very much for your answers.
Regards

So I think that over the 10 years we should try to repay the KfW loan as best as possible (monthly rate maybe 80-20 or 70-30) or is this assumption wrong?

Yes, you do.
If you want to close both loans with 10 years interest-only period, you should repay the loan with the highest interest rate (compound interest effect).
After 10 years, the total financing will be up for renewal. Then you can go to any bank you want or stay with Wüstenrot. They only care about the total amount.

also note that you have a special right of termination after 10.5 years

theoretically you could sign up for 15 years and would be flexible

I would do it differently personally. Interest rates are currently very low. Therefore, I would take out the bank loan with a fixed interest rate for 20+ years and the KfW loan with a fixed interest rate for 10 years. Then I would try to repay the KfW loan within the 10 years (special repayment or save the money and pay the full amount after 10 years).

Doesn't the term (repayment end) of the KfW loan have to be specified? That's how I understood it ... For example, a 20-year term, with KfW40+ there is then a 25% subsidy, resulting in a real term of about 15 years?

Doesn't the term (repayment end) of the KfW loan have to be set?

Fixed interest period/term/repayment-free years ==> These are the options. Fixed interest period and term are fundamentally different points.