Are repayment rates over 10% possible for construction loans?

Exactly, with repayment > 10% you have interest rate locks <10 years, which leads to a corresponding interest rate.

A term of 5 years therefore has a repayment rate of just under 20%. However, you then have to pay installments of over 24,000 EUR per year (> 2,000 Euros/month).

With appropriate collateral, the loan should currently be almost free of charge. With an appropriate capital/income base, a loan in CHF could even be interesting (even cheaper), but beware, you are taking on currency risks.

Could I then theoretically also just repay 10 percent, make annual special repayments, and pay off the remaining amount in full at the end of the fixed interest period after 5 years? Is it that simple without any agreements and additional costs?

Best regards
Sabine

Of course it is. The remaining amount is then due.

Yep, that obviously works too.

That's nice, thank you very much!

Best regards
Sabine

after the end of the financing period you can pay off the est as you wish. if you have it yourself it is even the easiest form. the question remains of course whether any bank even wants to finance such a quick loan. they don’t earn anything from it.