Financing with low repayment and many special repayments

The danger in this is that if you still get salary increases in your younger years and then perhaps your wife starts working more again later, you can quickly use up your special repayment options if you are already spending 2% of the 5% for your own security.

The danger here is that if you make salary jumps especially in your younger years and then perhaps your wife goes back to work more later, you might quickly use up your special repayment options if you have already spent 2% out of the 5% for your own security.

You are right about that again. However, there is also the repayment rate change as a mechanism, if you have this option.

We have a monthly installment of €1600

That certainly corresponds to more than 1% repayment. And that is the real sticking point of this thread. Wanting to start from the outset with only 1% repayment.

....in case of a short-term financial bottleneck, not having to worry about the mortgage payment, but always being able to handle everything relatively calmly due to a lower burden. ....If something unplanned comes up, then part of the money is simply not used for repayment but for example for car repairs.

?

This statement or attitude is the mentioned problem here. This "relaxed liquidity thinking"

The danger in this is that if you make salary jumps, especially when you're still young, and then perhaps your wife goes back to work more later, you might quickly have used up your options for special repayments if you've already spent 2% of the 5% for your own security.

Danger? More like luxury problems.

Especially since after 10 years loan parts can be cancelled at any time, i.e. unlimited special repayments are possible

Danger? More like luxury problems.

Yes, it is a luxury situation. On the other hand, it's annoying when you have money lying around almost without interest and can only repay the loan in X years. That might be almost irrelevant with interest rates of 1.x%, but for me at 3% I can hardly wait for the next special repayment date.

By the way, the 10 years is not entirely correct either. It is 10.5 years after full disbursement. For me, that’s a difference of over 2 years.