In Germany, 15 years, 20 years, and up to 30 years is common. I took 20 years.
A close friend of mine working at a bank has an internal benefit, that the 10 year fixed rate applies for her as a fixed rate for however it takes to pay-off.
I was in negotiations with HVB and Commerzbank. I choose Commerzbank, which had a slightly higher interest rate but way much better communication with me. I was communicating with the guy in charge of the wealth management, this may also helped a lot. ;)
Loans lower 400k are easier to issue, I learned in the process. Because >400k has much more requirements for the bank on collateral required by the regulation authorities.
