Financing over 10 years with 5% special repayment

I wouldn't be so sure about that. Since the Residential Real Estate Credit Directive, banks are legally required to grant only such financing that can at least theoretically be paid off by retirement. The bonuses are not fixed, therefore they do not exist for the bank. In my opinion, they are not allowed to sell a construct like the one the OP suggested; the annuity would have to be significantly higher.

There are contradictions, at least that’s what I hear out of it. Because all the 2% repayment and the rest I do like that would be questionable.

Since the Residential Mortgage Credit Directive, banks are legally required to only grant financing that can at least theoretically be paid off by retirement.

Where does this statement always come from? The property does not have to be paid off by retirement. You just have to be able to finance it with your pension.

The statutory pension is of course firstly relatively low and secondly uncertain for employees. Therefore, it is an additional risk for the bank that is difficult to assess today, for example, if it only becomes relevant in 20 years.

That is correct. But it is not legally prohibited.

The statutory pension is of course, firstly, relatively low and secondly uncertain for employees. From this perspective, it is an additional risk for the bank, which is difficult to assess today, for example if it only becomes relevant in 20 years.

However, a pension notice is a basis for the banks. Every borrower should be finished repaying well before retirement age. Anything else is poor advice.

Every borrower should have finished repaying well before retirement age

I cannot agree with that. It depends on the life circumstances. I, for example, would rather enter retirement with a remaining debt and sell the house, because I want to live smaller in old age (i.e., apartment instead of house) or rather rent than own and "live off" my assets. With a lower repayment rate, there is always more left over periodically until old age. But everyone has to decide for themselves. That has nothing to do with bad advice.