Question about early repayment and clause in the contract

You are a funny character... let's take the loan amount of 500k, you can put €25,000 into special repayments each year. Do you have this amount left every year? If yes, why don't you have more equity and a smaller loan? Honestly, most people will be glad if they can put 5-10k per year into special repayments without having to pay a fee for it.

The percentage always refers to the loan amount... So with 500,000 it would always be 5,000 that you pay to the bank... :(

Edit: oh wait: 0.5%...

A special repayment option is the possibility of a *free* (partial) repayment. In principle, however, it is comparable except for the fact of the fee. Call it whatever you want.

You do not have an agreement on a possible free special repayment, but you do have the right to make (partial) repayments deviating from the original plan under the stated conditions.

What sense (and above all what calculation) is behind this from the bank’s point of view remains unclear to me. Because as soon as the interest rate falls by a little more than 10 points, I would quit and refinance the remaining loan over 10 years.

so who says it's about 500k, it's a 50k private loan - I never said what it's about. And we will pay that back in a few years and therefore want to pay in amount x at any time.

How nice... I already asked you that tonight at 0:00 in #13, because this clause is unusual in mortgage loans.

And in private loans, special repayment agreements are irrelevant due to the inapplicability of Par. 489 Building Code.

No one, it was merely a calculation example.

so who says it’s about 500k, it is a 50k private loan – I never said what it is about. And we will pay that back in a few years and therefore want to occasionally pay in sum x.

And for that you let people write on 4 pages, even though you were asked about it several times #13 #15 #21 #25 #26.