Financing over 10 years with 5% special repayment

Roughly calculated, the borrower would be almost finished with the repayment by retirement under the current interest rate situation, if no special repayment is made. Where does he then violate the provisions of the [Wohnimmobilienkreditrichtlinie]?

Every borrower should have finished repaying well before retirement age.

That is too general for me. What about self-employed people, recipients of high pensions or other incomes, or people with very good private provisions.

In addition, as a tenant, one would also have to continue paying in retirement age. I don't see any real difference there. Sure, the sooner finished, the better. But life is not a wish concert.

Besides, as a tenant you would also have to keep paying into old age. I don’t really see a difference there. Sure, the sooner it’s paid off the better. But life isn’t a wish concert.

If you adjust the loan to your financial framework it works. But many finance beyond their means.

I find it strange that everyone here always projects their own situation onto others. With good planning, restraint, and a bit of luck, you can account for all the costs.
So far, we have made 3 payments with a 1% special repayment – this year it will happen again. This way, you maintain a bit of flexibility; if necessary, you can also invest the money elsewhere during the year.
Otherwise, 10 years of fixed interest would be too short for me, and the total amount too high. But with 20 years of fixed interest and no special repayments, at the same constant interest rate, it would be finished in about 32 years, right? I don’t find that particularly alarming (or did I miscalculate?).
Then you make as many special repayments as your salary and normal life allow, and after 20 years, there isn’t much left.

I find it strange that everyone here always projects themselves onto others. With good planning, restraint, and a bit of luck, you can plan for all the costs.
So far, we have made 3 payments with a 1% special repayment – this will happen again this year. This way, you maintain a bit of flexibility; if necessary, you can also grow the money elsewhere during the year.

I did exactly the same as the OP. 2% repayment and the rest via special repayment.
After 5 years, we have each used up the 5% special repayment from the main loan, and the next special repayment for January is already ready again.
The only difference is, we cautiously chose a 15-year fixed interest period; the interest rates were higher, which with the same percentage initial repayment leads to a shorter term, and our total loan was much lower.