Repayment change needed? Or better terms?

Hi, we actually want a bank where repayment changes are possible regardless of whether there are fees or not. Just for emergencies in case there is less money for a few months. Now a broker told me that this is unnecessary because banks are always willing to negotiate in emergencies and that you would block the best conditions for yourself. What is your opinion on this?

I would not rely on the goodwill of the banks but have it contractually secured.

You can have both offered to you. And as my predecessor writes, only rely on the writing position

My personal opinion:

Calculate so that even in the worst case a minimum repayment of 3% can be maintained. Adjust the budget accordingly.

Worst case scenarios:

[*](Short-term) unemployment of the main earner
[*]Death/disability of the main earner
[*]Loss of secondary earner's income due to extended parental leave without a second income/parental allowance
[*]Installment generally affordable with only one salary (max. 40% of income)

If this is taken into account in the planning, an adjustment of the repayment rate is not necessarily required. Anything that can be paid off beyond that is simply handled through special repayments.

Then it will certainly work with the best conditions. The bank, of course, rightly charges for every additional security.

These are completely different scenarios. Death should be fully covered by insurance during repayment, while disability insurance should possibly be covered partially.
Unemployment insurance is intended for point 1. The deficit should of course be taken into account in the affordable installments - meaning: short-time work or unemployment benefit I will not cause the financing to fail immediately.

In my opinion, the last two points are rather wishful thinking and simply no longer realistic today - especially not with the mentioned 3% minimum repayment. In our discussions, we mostly have installments of €1300 - €1600. The necessary individual income for a 40% share is €4000 net for a single earner with €6000 gross in tax class III. In tax class V, that is €3400. That is certainly not average and too high for many home builders. We often have total household incomes here of €4000 - €5000.

These are completely different scenarios. Death should be fully covered by insurance during repayment, disability insurance possibly only partially. Unemployment insurance is intended for point 1. The deficit should of course be considered in affordable installments – meaning: short-time work or unemployment benefits I do not immediately ruin the financing.

I see it the same way. Of course, one should consider whether one can pay the installment during parental leave or a short period of unemployment. For all long-term changes in life circumstances that involve financial losses, I simply have to sell the house again and look for something cheaper. With some banks, 1-2 repayment rate changes are even included free of charge.