Here in Germany you can decide how long you want your rates to be fixed, with the tradeoff being that longer times of fixed rates usually have slightly higher rates (in German its Zinsbindung).
I am lucky and happy that I chose to do 30 years fixed rates, after those 30 years I only have like 2k€ left anyway, so it doesnt matter what rates I get then really.
Just because they have been supported by the US for a longer time.
I am not a fan of sending them anything, but that doesnt mean that they get more than ukraine this year and for the past 5-10 years, which is what you should compare.