My core message as formulated so far is still valid:
Voluntary repayments help to secure your property financing in the long term.

Thanks to lower mortgage rates, you now have a wider range of options for setting voluntary repayments.

As before, I recommend that you use the difference between the calculatory and effective interest calculations to secure your property financing in the long term. This is because the savings you make now and in the coming years will give you significantly more financial leeway when your mortgage comes up for renewal.