Question about early repayment and clause in the contract

Is this a bridging loan for up to 5 years or a genuine home construction loan with a term of at least 10 years?

Whereas the free special repayment of 5% is nowadays standard in almost all contracts. In some even 10%. That is why the request was that you should look at your contract to see if this is additionally included. Then it would actually be a consumer-friendly contract.

But without special repayment, I wonder what you intend with this contract?

okay, the only real difference for me as a customer is that here I pay 1% of the repaid amount and with a truly free special repayment probably nothing - that's the primary point, right?

Yes, as Musketier already said, it is an early repayment. Your passage also does not mention (partial) repayments. I can't imagine that you can arbitrarily repay in several partial amounts. It will rather be a complete repayment. I find it vaguely formulated in this regard. It can be interpreted both ways. Especially since a bank does not want to deal with an uncertain "cash flow."

If you only have this option and no special repayment, in my opinion you are a bit stuck. Then it is not a consumer-friendly contract.

Where did you conclude it again? I think that was also a topic for you.

so the following sentence clearly states that I can repay partially:

You have the right to repay the loan in full or in part at any time early

I don’t understand that, it says right there - at any time in full or in part!? That’s why we took it because according to the banker that’s the good thing.. you can keep paying again and again against a small fee, not like with the 5% special repayments where you often can only do it once a year etc...

Where am I seeing something wrong now?

Will I still get an answer to my question from #25? To me, that does not sound like a conventional annuity loan.

You are a funny guy...let’s take the loan amount of 500k, you can put €25,000 every year into the special repayment. Do you have this amount available every year? If yes, why don’t you have more equity and a smaller loan? Honestly, most people will be happy if they can put 5-10k per year into the special repayment without paying an additional fee for it.