What conditions can I expect?

To start directly with the higher repayment - but to keep back the corresponding equity - until this initial period is bridged - you understand?

Yes, exactly. That's what I meant too.

What is the point of this?

I don't know either. That's why I'm asking.

I think it would make sense as follows:

To start directly with the higher repayment - but to hold back corresponding equity - until this initial period is bridged - you understand?

Yes, I understand. But then I also have correspondingly more loan to repay.

And the costs for the interest on the higher loan volume, while unused capital is just sitting around oxidizing in the account. well.

And the costs for the interest on the higher loan volume, while unused capital just oxidizes in the account. well.

For example, using 25-30K€ less equity to achieve a higher repayment already pays off if the interest rate becomes cheaper by even 0.1%. It becomes clearer at 0.2% over the term. I just compared it with Excel.

For example, using €25-30K less equity to achieve a higher repayment is already worthwhile if the interest rate becomes even just 1/10% cheaper as a result. It becomes clearer at 2/10% over the term. I just compared it using Excel.

That only works if you get better conditions through higher repayments!
However, if the conditions stay the same, regardless of whether you have 2% or 4% repayment, you will have only paid more interest to the bank (if you borrow more!).

With 1/10 or 2/10, the interest would effectively have to be 0.69%, 0.59% over 20 years??? Good luck searching...