Financing without prepayment options due to annuity loan

Yes, unfortunately it cannot be taken from this whether you can carry out partial cancellations multiple times. Basically, a partial cancellation of, for example, €1,500 every year

Either you can't read at all or you didn't read properly.

Please read again.

If one does not see the possibility to make a special repayment, one can survive it. However, if it is possible, one would be foolish to opt out of it. It would have to be clearly reflected in the interest rate.

That very much depends on the interest rate you get and on the savings from foregoing the special repayment option. I would forgo it in my financing approach if there is a certain saving. Background: I can easily achieve a higher return with the saved money than from the saved interest rate. So I would simply invest the money and then use the money for the follow-up financing. But it depends on several conditions whether that makes sense.

If you are so sure about that, why do you delete at all?

A good question: But interest-only loans are hard to get and, if at all, only at worse conditions. Besides, one still has a certain need for security.

A good question: But interest-only loans are hard to get and if at all, only with worse conditions. Besides, you still need a certain level of security.

That's not difficult at all, just look at all the building society savings loan financings. You just need a substitute product, classically life insurance policies, but you can certainly have funds mixed in as well. But do you want to make your house dependent on that? Maybe not after all...