Special repayments are possible at many banks - even without an extra interest surcharge.
Whether renting out is worthwhile cannot be said in general terms. One should calculate the return on investment here, taking into account the entire rental apartment.
If the mortgage value of the property really corresponds to the assumptions, it sounds like a solid thing. Some banks also offer variable repayment, i.e. the rate is adjustable, and special repayments are almost always possible. Therefore, I would not insist on an offer with an inflation adjustment now.
If there is still interest, I can also gladly prepare a comparison for you.
No! Then the risk costs for the special repayments are priced in from the start.
There is no free inclusive when something causes costs. Nowhere. Even the free ouzo at the Greek restaurant is included somewhere in the price of the main dish, even if it’s not stated anywhere. And if you don’t want the ouzo at all, then it’s just the profit of the bank, uh, the Greek that gets bigger. (What wordplay today)