Loan Agreement Signature

I have already received an ESIS and it is all very detailed, including the "Notice of Transfer and Assignment of the Loan Claim": In the event of proper contract performance, the bank has the option to transfer the loan claim (including repayment, interest, replacement and cost claims as well as claims from the residual debt) to third parties by way of assignment with the consent of the borrower. In the event of improper contract performance, the bank has the option to transfer the loan claim (including repayment, interest, replacement and cost claims as well as claims from the residual debt) to third parties by way of assignment even without the consent of the borrower. There is generally the possibility that the loan relationship will be transferred by way of business transformation. End of quote. What other components does such a loan agreement have? Or is what is in the ESIS decisive?

Every loan agreement is freely negotiable regarding the content,

well, this statement is purely hypothetical ;)

If Max Mustermann wants to delete a clause with his 100k loan, he will be shown the door

So I have now received a draft and the following:

1.- This concerns a "connected business" according to the purchase agreement from the notary XXXX

2.- Until the start of repayment on 1.12.2017, 4 interest installments of 400€ each are to be paid on 30.09/30.12/30.03/30.06/ of each year, the first time on 30.09.2016.

3- If the borrower revokes this loan agreement, they are also no longer bound to the purchase agreement from the notary XXXX for the purchase (hereinafter: connected contract).

These are initially the points where I would be very grateful for a brief clarification or to check whether this is lawful and standard for such a loan agreement.