Special repayment, saving or consumption?

No, for such "small" amounts I wouldn't take out a new 10-year contract that binds you to the bank. You can simply let the loan continue at the current daily interest rates. This happens automatically if you do nothing.

And another question/comment:

If I let the loan continue: for example, there are still €50,000 left, then my repayment won't decrease, correct?

The repayment remains the same according to an annuity loan. However, if I restructure and take out a new contract with €50,000, which I then let run comfortably over 20 years - then my monthly repayment would be significantly less? But maybe I'm overlooking something here...

That may be okay for you right now, but if you can't repay the loans or the one component, you will be tied to the future conditions of Münchner Bank because it is registered in the land register (no other bank will want to replace it in second lien)

Huh? If he repays the loan from the first bank with another loan, the mortgage in first lien will be released to the corresponding amount. Then a new bank can come in.

Huh? If he repays the loan from the first bank with another loan, the land charge in first rank corresponding to that amount is released. Then a new bank can also come in.

As far as I remember, the total amount is recorded in the land register, not the individual components.

I haven't been involved for very long yet and therefore might not be completely familiar with the topic.

It's not ONLY about being able to fully repay the loan and be completely free of a bank's debt. It's actually about being able to reduce the monthly repayment burden at any time, meaning every 10 years.

My question about that:
Do you really benefit overall from reducing the monthly burden every few years? I now assume that the salary roughly grows with inflation. Then today's rate would hurt less in 10 years than it does today. Wouldn't it actually make more sense to invest the money in the other loans?

I haven’t been involved for that long yet and therefore might not be fully up to speed. My question about that: Is there really any benefit overall to reduce the monthly burden every few years? I’m assuming that the salary roughly grows with inflation. Then the current rate would hurt less in 10 years than it does now. Wouldn’t it actually make more sense to invest the money into the other loans then?

Well... the inflation rate is somewhere around one percent. But if in 10 years you have to pay 500€ less monthly, I don’t really care much about the inflation rate.

Well.. the inflation rate is somewhere around one percent. But if in 10 years you have to pay 500€ less monthly, I'm relatively unconcerned about the inflation rate

Above all, the children, for example, will be almost of age with me then. Those are already different costs than currently at 9 and 8 years old. Every extra euro helps, and you are extremely flexible. No one is saying that you have to squander the savings from eliminating a loan.