1% repayment. Which banks? Requirements? Free land charge

Even better to conclude the contract with ING at 3% and reduce it to 1% after full disbursement. They are painless.

When taking out a 1% loan, for example, you have the flexibility to adjust the repayment rate to a reasonable level starting only from the second year. Reasons can be varied.

At ING, the repayment rate can be adjusted flexibly. As of last year, twice free of charge and then 100 EUR per adjustment each time.

Ultimately, 5.5k€ is indeed a good net income, but it still does not match the loan requirement of 650k€. A realistic rate would be above 2000€/month, plus additional costs, and half the income is gone. Actually, one should probably recommend selling the condo. The rental income is nice, but only if it actually comes in. And the TE certainly still pays a loan for it. Better to use the sales proceeds to reduce the loan amount.

But that was not the question at all. Just speculation on how one arrives at a 1% repayment wish.

I have financed a part at ING at 0.4%... have already strongly asked for 0% repayment.. unfortunately, they don't do that, want 1%..

ING with 1% is only worthwhile if you want to quickly sell the property and hope that the market price rises. Additionally, you want to generate free cash flow. This can be done with a property. If you want to buy more afterwards, this will break your neck. The banks look at the expected remaining debt and apply a % rate of X and suddenly you have a negative household budget.

I financed a part at ING at 0.4%... I have already strongly asked for 0% repayment... unfortunately, they don’t do that, they want 1%..

Are you seriously comparing yourself with the OP?