Refinancing with KFW special repayment, is that possible?

I meant it differently: If you can restructure your assets so that the funds for repaying the loan become liquid, then you simply repay the loan. The first bank is out

How is this supposed to work within the contract term, in the first 10.5 years?

Unfortunately not yet, I haven't reached him. I will get back to you again this week regarding the result

Even though I am annoying, I just wanted to quickly ask again if there is already a result?

Sorry, you’re not annoying, I was informed that it would be possible but that the conditions and interest rates would need to be discussed. He wanted to clarify the details in a personal conversation.

However, I have decided to postpone the matter to next year for several reasons. Also with the hope that interest rates will move into negative territory for 10-year loans. 0.6% is still too much for me.

I have decided to postpone the matter to next year for several reasons. Also with the hope that interest rates will drop into negative territory for 10-year loans. 0.6% is still too much for me.

Ten years ago they would have laughed at you for saying that I will also make my special repayment in January first and then maybe inquire again. Then I should definitely be below 50% loan-to-value (probably closer to 40%).

You are right. But the chances are not bad that there will be negative interest rates on mortgages next year. But as always, things turn out differently than you think.