Special repayment in the loan contract - experiences with financing

I believe it’s already more than 150 EUR since the term is taken into account ;)
And indeed, the KfW loan is added on top... so a total loan of a good 620k.

But since you had planned special repayments with the KfW according to your initial post, you should calculate carefully. For example, €5,000 special repayment each year on the regular loan saves a lot of interest. If you continue this for, say, 10 years, you save more through the special repayment than through the lower interest rate.

I see it a bit differently. The problem is the unknown after 10 years if the KFW loan is not fully repaid. In the best case, the annuity loan is fixed for 20-30 years. Interest adjustment possible after 10 years. But for that, it’s better to repay the KFW loan in the first 10 years. If the interest rate in 10 years is 5-10%, you may not care. But if you have to refinance 50k+ then the interest costs can be unnecessarily high. I think you have to calculate back and forth a bit to see what makes more sense. Since I am an absolute security person, it would be more important for me to have the first loan done after 10 years.

So we also calculated back and forth.. Since you cannot make special repayments on the KfW loan, it will be difficult for you to have the KfW loan at zero right after 10 years – unless you then throw tens of thousands of euros in after 10 years and pay it off (but then you have “unnecessarily” parked the money somewhere on the side, which in my opinion makes no sense).

I would rather split the bank loan into different fixed interest rate components.

For example, 1 loan with €120,000 or similar with a 10-year fixed interest rate and then try to put all the special repayments into this loan (additionally set a generally high monthly repayment here).
For example, 1 loan with the remaining amount (or possibly split again) with a 20-30 year fixed interest rate (if desired) and then only repay this at, e.g., 1% for the first 10 years (should this be possible, we had negotiated this accordingly).

This way you can hopefully pay off one loan completely after 10 years, let the rest continue to run comfortably because you have secured the interest rates, and your monthly rate will then also decrease accordingly.

There is a lot of calculation that you definitely have to take into your own hands... Not a single advisor made the effort and calculated it for us the way we would have liked.

So we also calculated back and forth.. Since you cannot make special repayments on the KfW loan, it will be difficult for you to have the KfW loan at zero immediately after 10 years - unless you then throw tens of thousands of euros in after 10 years and repay it (but then you have "unnecessarily" parked the money somewhere on the side, which in my opinion makes no sense).

I would rather split the bank loan into different fixed interest rate components.

For example, 1 loan with €120,000 or something similar with a 10-year fixed interest rate and then try to put all the special repayments into this loan (also setting a generally high monthly repayment here)
For example, 1 loan with the remaining amount (or possibly split again) with a 20-30 year fixed interest rate (if desired) and then only repay this one with, for example, 1% in the first 10 years (if this is possible, we had negotiated accordingly).

That way you can hopefully repay one loan completely after 10 years, let the rest run comfortably, since you secured the interest rate and your monthly installment will then also decrease accordingly.

There is a lot of calculation that you definitely have to take into your own hands... Not a single advisor made the effort and calculated it for us in the way we would have liked.