Option for repayment change at a high repayment rate (~8-10%)

Hello,

I am currently dealing with the question of purchasing a condominium. A specific property has not yet been found, but I have defined the price range. Since I am in the fortunate position of being able to plan with a relatively high equity ratio of 60% and want to pay off the loan quickly at the same time, I am currently aiming for a repayment rate of ideally 8-10% - ideal here means that income and costs do not worsen over the loan term.

As a precaution, I find the option of changing the repayment rate for the "just in case" scenario interesting (lower income, children...). Before I go to banks or an agent, I have searched the internet and, for example, found some details about the offers on FMH.

Currently, I see:
- There is exactly the option from a provider like ING Diba of 10% repayment and the possibility of changing the repayment in the range of 1-10%. However, this seems to be the exception.
- Most banks (for example, Commerzbank) state a repayment change of 1-5% - does anyone know if this means that I can change the repayment, but only up to a max of 5%, thus a significant reduction?

I realize this is quite a luxury problem, but maybe there are tips here. The option of special repayments is of course considered, but I would like to keep this "free" for real special measures.

Thank you very much for any help.
Best regards
Alex.

So I clearly prefer ING. I can make extra repayments there and adjust to 10% if I feel like it (and have the money).

I would decide based on the construction interest rate. At 8-10%, you will have finished after 10 years, and as long as the initial repayment is chosen realistically, it will probably fit for a few years and a possible adjustment downwards is also calculated and will last for a while – and then the loan is (almost) repaid already :)