We are planning to build in 2022; the planning begins

then the second part of the sentence doesn't fit

Or I just misunderstand it

But it does fit. The rate is so low (lower repayment rate) that anyone can pay it. However, the special repayments will be high. But this does not change the rate.

Please read the sentence again. It says that they plan with many special repayments BECAUSE they want the installment to be payable by one person in case of emergency.

High possible prepayment means lower fixed monthly installments. Ergo, one person alone can also afford it.

Please read the sentence again
It says that they plan with many special repayments BECAUSE they want the installment to be payable by one person in case of emergency.

I have. And I understand it differently than you

High possible special repayments mean lower fixed monthly installments. Ergo, one person can also pay that.

Really? I don’t know it like that, but that’s exactly why I asked...

Ybias understands me exactly right.

We have a rate of just under 2000.
In an emergency, the rate can also be borne by one person alone, in case of illness, unemployment...
Since the emergency hopefully will not occur, we will normally be able to use almost the entire second salary for special repayments.
This corresponds to our need for security.