Set the repayment schedule in advance?

Can you take specific amounts of the first two loans, the VR, and the value of the property? Then it can be better assessed.

Is a forward loan really attractive? You cannot fully repay KFWDarlehen early by taking out a new loan. Since you have already paid down so much, it should work with the loan-to-value expiration. Find a large broker and discuss it with them.

Why can't I completely repay the Kfw loan after 10 years? The interest period is 10 years after all.

Why does the VR-BANK slip into the 1st rank?
In the case of follow-up financing by another bank, it would take the place of the initial one, wouldn't it?
In the case of extension, the Sparkasse also remains in 1st place.

Why does the VR-BANK slip into the 1st rank? If follow-up financing is done through another bank, it would then take the place of the initial one, wouldn’t it? With prolongation, the Sparkasse also remains in 1st place, right?

Yes, it does remain, however, nothing is assigned to the land charges. A rank never sticks to the land charge when it is assigned; whoever comes later is last in line. Just like at the bakery this morning. Despite having an order, I was at the back of the line.

A rank never sticks to the land charge when it is assigned, the one who comes later is last in line

And what if the Sparkasse passes on its land charge to the bank that does the follow-up financing? That is common practice.