Question: 1% repayment and 10 years fixed interest rate. Will the house never be paid off?

So, in my post it was about comparing his financing with one that has a ten-year fixed interest rate, where, as mentioned, there can be just as many problems. And longer fixed interest period + high prepayment option also means higher interest/payment.

A longer fixed interest period always means higher interest rates. Anything where the banks guarantee for longer or offer more flexibility costs more interest.

And for me, the prepayment option and repayment adjustment do differ.

Yes, in my opinion, the prepayment option is the more flexible tool. With both, you pay a bit more interest for this flexibility, but if you even moderately use the prepayment properly, the reduction of interest payments through the early reduction of the loan amount is significantly greater than the higher interest rate.
Already in the first year, the savings from the prepayment are in the triple-digit euro range for us despite a 0.2% higher interest rate, and the savings increase exponentially with each prepayment. Repayment adjustments can theoretically have a similar effect, but you always have to choose the rate prospectively and practically tend to be on the safe side. This additional safety buffer, however, costs money (interest).

Evening, from 10-year loans with 1% repayment to 15-year loans where initially only the building savings and interest are invested (NO repayment of the annuity loan, but suddenly almost doubling the installments after 15 years) we have already had it all in our current search. It is really tedious to get sensible offers :( Had a consultation again today. Hopefully something good will come out of it...