Well, I believe her offer to let you pay her back over time is some kind of concession she's made to you, so that you don't have to suffer under some kind of lump sum. For the first two, you'd obviously be getting access to money all at once, so it makes sense for you to pay her the balance at that point.
I see condition 3 as part financial and part punitive. On the financial side, if you're re-married, your new W will be able to contribute to the house payments, so there's no need for your XW to offer this concession to you. On the punitive side, F you, you've got a new W and your XW will not finance your new life together. Now that I think about it, this also acts as a disincentive for you to actually remarry, since it will put a burden on you to come up with the remainder of the amount at the time of your wedding. Hmmm.
Condition 4 is pretty-much all punitive. You could argue there's a small financial aspect, where your new GF would be contributing to house payments.
Anyway, that's my take. Hope it helps a little.
Me-47,XW-43 S13,S16 M:18 BD:4-23-17 W filed:7-17-17 (5 months of in-house separation hell) W moved out:1-6-18 D granted:2-15-18 Decree signed:3-29-18
