Are the financial resources really sufficient??

Effzeh: I clearly made a typo when entering it into the system. Sorry, I didn’t mean to confuse you.

Yes, your calculation is correct. If you make special repayments, the loan costs are significantly reduced. Special repayments in the first years are therefore sensible, as they also reduce the term.

Important: The bank is bound to the contractual interest rate until the end of the contract term. The customer only for the first ten years.

No problem!!
Just wanted to be absolutely sure about Summer as well, that I have understood everything correctly so far...