Financing over 10 years with 5% special repayment

I took the liberty and calculated 10 years with 1.1% interest and 3% repayment. Without special repayments, there is still an outstanding debt of €465k. If the interest rate in 10 years is a ridiculous 3% for another 10 years fixed, then you will have to continue paying a €2300 installment for the outstanding debt. After another 10 years you still have an outstanding debt of €300k (mind you, without special repayments).

That means special repayments will always be mandatory for you every year for the next 20 years, amounting to €15-20k. Shocking.

Meanwhile, you earn barely €1400 more than we do and tie yourself to a loan almost twice as high.

If you know that you will definitely make the special repayment (or HAVE to, given the amount), why not simply pay more installments?

If I pay a special repayment of €20,000 only from my bonus and assume a 0% income increase for both of us, according to your above calculation we still have a remaining debt of €265,000 after 10 years and in the next 10 years €5,000 net per month to live on/repay. I really find that thought frightening