Is home financing possible like this? Alternatively, save equity for a few years

You can also apply special repayments in such a way that they reduce the monthly installment instead of reducing the outstanding principal.

How does something like that work? But that's not a common option, is it?

How does something like that work? But that’s not a usual option, is it?

By ticking the corresponding box for the special repayment amount on the form. Just ask your bank about it or read the fine print regarding special repayments. Acquaintances have done this several times (DB). I haven’t had the impression so far that this is something special.

Edit:
ING does this too. After transferring the special repayment, you have to submit a letter.

By ticking the corresponding box for the special repayment on the form. Just ask your bank about it or read the fine print regarding the special repayment. Acquaintances have done this several times (DB). So far, I haven't had the impression that this is anything special.

Edit: ING does this as well. After transferring the special repayment, you have to submit a letter.

Thank you very much for the information!