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Dividing an upfront fee by 36 gives a quick monthly equivalent, though it is only a rough presentation tool. The proper comparison still needs the actual payment dates and remaining balance. A euro paid now is not identical to a euro paid near the end of year three.

I would treat the repeated mention of unpriced work as a potential cost, not a footnote. Ask what the work covers, when it is expected, how it would be funded and whether the existing reserve is intended to pay for it. For the country home, build a separate irregular-maintenance allowance...