Can this question be answered seriously? I really have a lot of time right now, came across this by chance and am just letting myself go, so also this question, why not?
Currency reform... no, I won’t say anything about that.
Home savings/KfW... So the 15-year fixed interest period of the KfW can very likely be refinanced after 10 years with a 6-month notice period. With the currently low interest rates, a real pleasure, but you have to look at it at the right time. Using a home savings contract to refinance the KfW is a good idea if it has been calculated correctly.
Allocation... That is, the payout of the home savings contract. Yes, exactly. If all people cancel their home savings contracts and no one deposits anymore, then no loans will be issued either. Home savings is collective saving with all its advantages and disadvantages. But I can reduce an older home savings contract; the valuation number necessary for the allocation rises proportionally as the amount decreases. So you can at least bring a partial amount into the allocation.
Overall, I really can’t answer the question; I lack the knowledge about the exact financing structure, the current situation, and your financial possibilities. Your bank should be the contact person exactly for this. If you have a bad advisor there, or one you don’t understand, change the advisor. Clearly say that you want someone else. Friendly but firm.
In general, KfW and home savings: A cool combination if the bank advisor is quick enough to calculate it properly. Use of the non-repayment years, for example, but also here: this is individual and must be tailored to each customer. Home savings is not a cure-all in the meantime. Those with 1% repayment financing should keep their hands off it; it does not pay off. And yes, I have calculated it. Really.