R+V Fixed and Flexible Loan

Does anyone have experience or opinions about this offer? There are hardly any reviews available on the internet. Maybe someone here has already dealt with it or is familiar with it:

R+V Fix and Flex Loan
- 30 years term
- 2.55% effective interest rate
- NO annual, one-time, or recurring fees
- Unemployment insurance: In case of operational unemployment, R+V covers the interest rate as well as 1% of the repayment for the R+V loan (for up to twelve months) in the event of a claim at no additional cost to you.
- Death benefit: In the event of the death of a borrower, R+V covers the interest rate as well as 1% of the repayment for the R+V loan at no additional cost to you. The benefit is limited to EUR 30,000. This gives you time to take the necessary measures;
- high flexibility: ongoing repayment 1 to 10% or 1 to 5% per year (depending on the special repayment)
- repayment suspension possible in the first 10 years upon request (under certain conditions)
- five free changes of the repayment rate during the fixed interest period
- special repayment up to 5 or 10% per year (depending on the ongoing repayment)
- commitment interest from the 13th month
- No obligation to take out any insurance!

"- No obligation to take out any insurance!"

Haha, everyone is already in ...

I don't value such combo products much. The added value is usually limited .... Everything else is almost standard with all financings.

Of course, I have already thought that as well. However, this loan gives me a very solid, good, and also flexible impression without any apparent disadvantages. (Assuming the total costs are exactly the same as with a building savings contract). From your point of view, are there any concrete disadvantages or reasons against this offer?

To be able to evaluate, a counterproduct would be helpful. 30 years is a great thing. How high is the loan amount? The smaller it is, the better the interest rates offered. I am assuming at least €100,000 here. And I am assuming a "normal" economic situation (i.e. €30,000 - €70,000 gross total income per year). 2.55% sounds not much compared to 2.05% (beginning of the year, 20 years term). Including the additional insurances (which I wouldn’t value that much). Are there any closing fees? How high? What would be the interest rate one would get for a standard loan over 30 years? Instinctively, I would also call it solid, but without current comparisons, that is very difficult. It helped me back then to get offers from several banks and simply compare them.