Annuity loan - Is a provision interest necessary?

Hi,
so I basically have a special repayment agreement of 10%/year of the initial loan amount with all my loans (so with 200' -> SR 20'/year). You just shouldn't mention it too early, otherwise the bank will 'adjust' the conditions. I usually do this when I come to sign. So far, I have only had one case where my bank made the condition 1/10 worse.

And if you have such a clause, it is completely unproblematic to make the financing buffer larger. When you’re done, you let any remaining amounts (has never happened to me, usually it was always more expensive than planned) be paid out and make a special repayment.

The only thing that happens then is that the monthly burden remains the same, but you finish faster.

@Tom What exactly should I not say too early?

Can you completely reorient yourself with the remaining amount after the fixed interest period ends, or do you have to bind the entire loan (after the fixed interest period, of course with a new interest rate) to the same bank?

Assuming that, mathematically, a loan requires exactly 23 years, but the fixed interest period is only 15 years. Do you have to repay the remaining amount at the same bank at the current interest rates, or can you switch banks after 15 years with the remaining amount if another bank offers you a better deal at that time?

Until now, I thought it worked that way. But I now have an offer where I understand that I have to repay the entire loan (after the end of the fixed interest period at newly determined interest rates) with this one bank until the end.

You can switch wherever you want.

Do you have to repay the remaining amount at the same bank at the current interest rates, or can I switch banks after 15 years with the remaining sum if another bank offers me a better deal at that time?

Of course you can switch. When changing the bank, you have to transfer the land charge. This involves some costs.

You can also take the better offer to your current bank. They are often willing to negotiate ;)