Refinancing with KFW special repayment, is that possible?

Subordination, must be requested

Does one not also pay a prepayment penalty to the KFW?

Isn't there also a prepayment penalty to be paid to the KfW?

Not if you can repay for free. Possible with some programs

Then KfW has since changed this, here is an excerpt from the KfW153 information sheet:

Repayment:
The loan is repaid in monthly installments after the repayment-free years have expired. During the fixed interest period, early repayment of the entire outstanding loan amount is only possible against payment of a prepayment penalty. Partial repayments are excluded. Statutory termination rights remain unaffected. At the end of the fixed interest period, you can repay the loan partially or in full without any costs

Then KfW has since changed that, here is an excerpt from the KfW153 leaflet:

Repayment: The loan is repaid in monthly installments after the grace period. During the fixed interest period, early repayment of the entire outstanding loan amount is only possible against payment of a prepayment penalty. Partial repayments are excluded. Statutory termination rights remain unaffected. At the end of the fixed interest period, you can repay the loan partially or completely without costs.

yes, it was changed exactly for that reason. "everyone" waited until the grant was there, and then fully repaid. Previously, special repayments up to the remaining amount were possible at any time.

Yes, it has been changed. I'll call my banker... thanks to you all in advance