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  1. We're looking to buy a home in the next couple of years. One question I haven't been able to get securely answered is whether additional, unscheduled payments can be made to the principle of a mortgage here in Germany. I'm not talking about the 1-10% additional anfängliche Tilgung that's already scheduled into the loan.    For example, a sound repayment option for mortgages in the U.S. is to take out a standard annuity amortization (where the interest is paid first, and the principle second, on a diminishing schedule.) BUT, if you decide you have extra money during the month/year, you can pay this extra against the principle (ONLY) of the mortgage (in addition to the regularly scheduled amortized payment.) This payment can be spontaneous, and the lender cannot refuse to put the payment against the principle (versus against the interest.) Doing so is both a great way to buffer flexible income (I.e. take out a larger loan, longer term, with smaller payments - but pay extra every month when you can to reduce the larger expense of the interest.)    Is this possible with mortgages in Germany?