Set the repayment schedule in advance?

who says that the land charge will not be registered? it will be transferred.

I certainly think that it will not be registered! Provided that it is a follow-up financing and has already been repaid at the old bank. When I take out a loan, the land charge is registered in the land register. This causes costs at the notary, land registry, and court. However, if I already have a land charge recorded in the land register that has been mostly repaid at the old bank, there is the possibility of a so-called assignment of land charge. As already described, the new bank receives a document from the old one. The banks arrange this among themselves, it is not entered in the land register and costs nothing. The banks also cooperate with this. I experienced this myself with the VR loan. Of course, the maximum amount of the assignment corresponds to the amount that has already been repaid. That is, the amount the old bank no longer requires as "security". The rest must be registered in the land register by a new land charge and costs accordingly.