Loan interest rate with 15 years fixed interest period?

Because with an annuity loan the interest saved increases the repayment. So if you basically pay more interest at first, then repay a part, thereby "paying less interest," the repayment portion increases faster and you finish earlier.

During the term, of course, you pay more monthly and have higher total costs, but the term shortens.

No, with the same repayment rate, the term is actually reduced.

With a higher annuity then. With a lower interest rate, more could be repaid at the beginning. IMHO, apples are often compared to oranges here. The average person assumes the monthly available amount, which is usually more or less fixed. Right?

Yes, logically with a higher annuity when the interest rate rises and the repayment rate remains the same. The logic does not work any other way.

if the repayment rate remains the same (e.g. 2%), higher interest rates (e.g. 3% instead of 2%) lead to a faster payoff over the years. nevertheless, it is always better to increase the repayment rate rather than the interest rates.

KSK - 1.70 (15 years) Ing-Diba - 1.90 (15 years)

Volksbank, Raiffeisenbank and Commerzbank are coming next week!

if the repayment rate remains the same (e.g. 2%), higher interest rates (e.g. 3% instead of 2%) lead to a faster payoff over the years. nevertheless, it is always better to increase the repayment rate rather than having high interest rates.

Yes, amazing, it goes even faster if you double the annuity. Or just the equity... What you write is all logical, still, in my opinion, the average home builder assumes a defined annuity (what they can afford, e.g. 1500 euros/month). If the interest rate is high, it takes longer -- or the available credit limit decreases.