What is the interest rate lock period in construction financing?

Or (I know, unimaginable) people decide for completely logical and comprehensible reasons. For example: At the beginning of the repayment, one partner is on parental leave, one is still quite young, income is expected to rise because of civil servant status, the interest rate lock-in on the big chunk is 30 years... And so on and so forth. :)

You are definitely right about that! But it would be case b) More is (currently) just not possible.

My financing, for example, includes 2 free changes to the repayment rate. From my personal point of view, 1x is too few to react sensibly.

Because one must not forget, the financial situation can also move downward, and if you have previously increased the repayment rate, then that’s unfortunate.

But it would of course be interesting to know whether 2x free means that the 3rd time costs (and what) or if the 3rd time simply isn’t possible.

I will do it that way too.

I will repay the bank loan at 2 - 2.5% and invest the rest that remains, about 200-400€ per month

Because I am convinced of easily achieving more than 1% return after taxes

But of course it would be interesting to know whether 2x free means that the 3rd time costs (and how much) or if a 3rd time is simply not possible.