Prepayment Penalty for Loans vs. Current Interest Earnings

You are looking for advice? I have advice: 2,x% is better than 0.7%.

Am I overlooking something? You're supposed to always pay down as much as possible, right? The monthly interest payment to the bank will then also be higher. And you can only change the repayment rate 3 times.

Am I overlooking something? You’re supposed to repay as much as possible each month, right? The monthly interest payment to the bank then also becomes higher. And you can only change the repayment rate 3 times

with your interest rates (similar to ours) it’s best to suspend repayments and put all the money into a savings plan – ideally with the same bank and look the advisor deep in the eyes ;-)

you’re overlooking that if you invest the 86k firmly, you will have higher cash needs over the remaining term because you still have to pay interest and repayments. I have something similar: 50k was “left over” from the house construction at 0.65% interest. I made a contract with a bank where I invested the 50k and have a monthly withdrawal plan equal to the interest + repayments. Works :)

Do the votes usually agree to a suspension of repayment?

And you mean ETF savings plan? Isn't that too risky? I have no idea about ETFs, but have often heard that you shouldn’t touch them for at least 15 years.

Currently, no bank will probably agree to a payment deferral. No, I stayed without risk. Fixed deposit for just over 2%. That is more than 0.65% interest on debit.

Am I overlooking something? You're supposed to repay as quickly as possible, right?

Yes and no. Repaying as quickly as possible ensures that the loan is paid off fast. On the other hand, life is about more than just the mortgage loan, be it hobbies, vacations, or other investments. So it's always a compromise.
Basically, you are financially better off with a lower repayment rate if alternative investments generate more returns after taxes (rule of thumb: return -25%) than the loan interest costs. On the other hand, you don't know what interest rates you will get in 5 years. So the calculation has some uncertainties. And larger sums in the account lead many people to imprudence and waste of money. Therefore, I would always try to find a balance.