Special repayment, saving or consumption?

Well.. The inflation rate is somewhere around one percent. But if in 10 years you have to repay €500 less monthly, the inflation rate doesn't really interest me much

With increasing income and increasing other expenses in line with the inflation rate, maintaining a constant financing rate ensures that effectively more money remains. I see it like Nico. Why reduce it if you are not precisely reducing income through retirement, partial retirement, etc., or if other costs are not rising drastically.

But if you talk about a household income of 4000€ net, for example, then with an annual increase of 1% that is between 4400-4500€ monthly.

Although I have probably omitted the increased cost of living now.

Prepayment in combination with simultaneous reduction of repayments only makes limited sense. One could also leave the repayment as it is and spend the free money from the prepayment.

Well.. The inflation rate is somewhere around one percent. But if you have to repay €500 less per month in 10 years, the inflation rate matters relatively little to me

In the progress of debt repayment, the financial situation generally becomes better/easier. If I can afford the rate today, then certainly also in 10/20/30 years. It is rather advisable to ensure that my rates are low in the initial period. Usually, everything happens at once during this period: wedding, children, building, ... Then one should rather increase the repayment over the years than decrease it.

As the debt repayment progresses, the financial situation usually becomes better/easier.
If I can afford the installment today, then surely also in 10/20/30 years.

Rather, I should make sure that my installments are low at the beginning.
Most of the time, everything happens all at once during that period: wedding, children, building a house, ...
Then you should increase the repayment over the years rather than decrease it.

Huh?

Children are planned in about 5-8 years. Then each reduction of the repayment rate causes significantly easier conditions at home, doesn’t it?

The wife might stay at home – the second child will come – maybe the wife will only earn 30-50% of her salary for the next 5 years. If I have to repay 400€ less because of that, I can compensate for the missing income.

Therefore, I should naturally make sure that the repayment is significantly reduced.

The plan: As long as it’s just the two of us, save a good amount of money and put it into special repayments, so that in 10 years, when the loan can be paid off, the repayment rate is reduced and more money is left for living?

With increasing income and increasing other expenses analogous to the inflation rate, a constant financing rate ensures that effectively more money remains.
I see it like Nico. Why cut back if you are not exactly reducing income through retirement, partial retirement, etc., or if other costs are not rising extremely.

Purely economically speaking, as you explained above, that is completely plausible.

But when circumstances change, as I described above, 400-500€ less repayment feels very, very good to me and is clearly worth more than the 1% inflation rate that I "save" if I continue to repay the "low" debt.