Housing, home modernisation and energy conservation
Our promotional programmes target homeowners, private builders, landlords and housing companies.
We promote the construction of new energy-efficient homes and the energy-efficient refurbishment of older residential buildings in particular with grants or loans at favourable conditions. We also support measures to improve the quality of life through the creation of barrier-free housing.
Energy-efficient Construction
For whom?
For everyone who is building or purchasing an energy-efficient home
What does "energy-efficient" mean?
Energy standards are laid out in the Energy Conservation Ordinance (Energiesparverordnung/EnEV). These standards apply to all new buildings. We finance homes that consume less energy than this ordinance demands. Such energy-efficient homes require innovative heating technology based on renewable energies (such as solar, geothermal, biomass, wood, wind, hydropower) and very good thermal insulation. So they cost more to build than a "normal" new home.
What promotional funds are available?
Loans of EUR 50,000 per housing unit are available at favourable conditions. The better the energy standard, the higher the repayment bonus.
Loan application: with your bank
Energy-efficient Refurbishment
For whom?
For everyone who is investing to make an older residential building more energy-efficient or purchasing a newly refurbished home
Refurbishment into a "KfW Efficiency House" - what does this mean?
The energy standards are laid out in the Energy Conservation Ordinance (Energiesparverordnung/EnEV). These standards apply to new buildings. We promote the refurbishment of houses if after refurbishment they do not exceed a specific energy requirement for a comparable new house. KfW has defined five levels of support for a "KfW Efficiency House".
- KfW Efficiency House 55
- KfW Efficiency House 70
- KfW Efficiency House 85
- KfW Efficiency House 100
- KfW Efficiency House 115
Simply put, the figures indicate in per cent how much of the maximum primary energy requirement specified by the EnEV the house consumes. The best standard (55) receives the highest support.
In order to meet the high energy standard of a KfW Efficiency House, extensive investments such as the renewal of heating systems, thermal insulation and replacement of windows, are usually required.
Individual measures
If the costs and effort of a complete refurbishment would be too high it is also possible to implement only individual measures. Financing is available for
- thermal insulation of walls, roof and floor space
- renewal of windows and exterior doors
- installation of a ventilation system
- replacement of the heating system
What promotional funds are available?
Either a grant or a loan
Grant per housing unit:
- 20.0 % for a KfW Efficiency House 55, not more than EUR 15,000
- 17.5 % for a KfW Efficiency House 70, not more than EUR 13,125
- 15.0 % for a KfW Efficiency House 85, not more than EUR 11,250
- 12.5 % for a KfW Efficiency House 100, not more than EUR 9,375
- 10.0 % for a KfW Efficiency House 115, not more than EUR 7,500
- 7.5 % for the implementation of individual measures, not more than EUR 3,750
The grant is transferred to your account after completion of the refurbishment measures.
Application for grant: with KfW
Loan: up to EUR 75,000 per housing unit for energy-efficient refurbishment plus a repayment bonus calculated on the loan amount.
- 12.5 % for a KfW Efficiency House 55
- 10.0 % for a KfW Efficiency House 70
- 7.5 % for a KfW Efficiency House 85
- 5.0 % for a KfW Efficiency House 100
- 2.5 % for a KfW Efficiency House 115
The repayment bonus is transferred to your account. This means you have to pay less.
Loan: For individual measures up to EUR 50,000 per housing unit
Loan application: with your bank
Energy-efficient Refurbishment - Construction supervision
What promotional loans are available?
Grants for
- professional construction supervision by a technical expert
50 % of the costs for the supervision of construction, maximum of EUR 4,000
Application for the grant: with KfW
Age-appropriate Conversion
For whom?
For everyone who is remodelling a home to reduce barriers or purchasing a newly converted home
For what
The programme is good not only for senior citizens. It also benefits persons with limited mobility and families with children. Financing examples include:
- Remodelling to reduce barriers, such as walk-in bathtubs and handles
- The creation of adequate clear space, for example for wheelchair users
What promotional funds are available?
For age-appropriate conversion up to EUR 50,000 per housing unit can be financed at favourable interest rates.
Loan application: with your bank
KfW Home Ownership Programme
For whom?
For everyone who wants to buy or build a house or a home to live in themselves
What are the funds for?
Land acquisition and construction costs or purchase price including ancillary costs such as notary public and real estate agent fees, land transfer tax and purchase of cooperative shares to obtain membership of a housing cooperative
What promotional funds are available?
Up to EUR 50,000 can be financed with the KfW loan. Funds from this programme may also be used for to finance the acquisition of owner-occupied housing.
Loan application: with your bank
