Normally the direction does not matter. The fee is factored into the terms.
I'm not a fan of that. I'd rather go high with the repayment. You get used to it. It's like if you repay low and want to make special repayments but can't.And isn't the price for that (compared to the total volume) ridiculously low anyway? ING does publish the conditions - twice free, then 100 euros. Whether the increase is sensible afterwards, or whether you represent that disciplined by special repayment, is probably more a matter of taste.
My boyfriend and I are both 24 and we are building now too. Fortunately, not everyone is the same :) To the OP: Don’t let anyone talk you out of it, if it works for you everything is great! Not everyone changes partners 10 times before settling down...I know, that wasn’t asked, but anyway: So I, with a 27 and 22-year-old girlfriend, would never have thought about building a house. I would have rather invested more time in life and career. You also hear of many breakups that were at least partly caused by building a house.
.. but some people change AFTER the committed relationship, and that's exactly where the problems begin..
My boyfriend and I are both 24 and we are building now too. Luckily, not everyone is the same
To the OP: don’t let anyone talk you out of it, if it works for you everything is great! Not everyone changes partners 10 times before settling down...