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Existing Properties
Since 01.07.2021, you can apply for the development loans of the federal funding for efficient buildings – for the renovation to an efficient house, the purchase of a newly renovated efficient house.
Important adjustments in federal funding for efficient buildings
The Federal Ministry of Economics and Climate Protection has adjusted the federal funding for efficient buildings:
- in the case of refurbishment, there is no funding for efficiency house level 100, the individual measures and the individual refurbishment roadmap.
- in the case of refurbishment and purchase of a new efficiency house, maximum loan amounts and repayment subsidies were adjusted.
Has an application already been submitted to KfW by the end of 27.07.2022? Then you are not affected by the changes.
For whom?
For all those who
- are renovating a residential property
- are buying a newly renovated residential property
Renovation of existing real estate to an efficiency house
What is an efficiency house?
We define an efficiency house as an energy standard for residential buildings. The values 40 to 85 define the different efficiency house levels. The lower the value, the lower the energy requirement of the property and the more subsidies you receive.
You can claim the higher funding for the renewable energy class if the heating system based on renewable energies covers at least 65 % of the building's energy requirements.
Efficiency house levels and subsidies at a glance
We support you with a loan with a repayment grant.
| Efficiency house | Repayment grant in % per housing unit | Amount per housing unit |
|---|---|---|
| Efficiency house 40 | 20 % of max. EUR 120,000 loan amount | up to EUR 24,000 |
| Efficiency house 40 renewable energy class | 25 % of max. EUR 150,000 loan amount | up to EUR 37,500 |
| Efficiency house 55 | 15 % of max. EUR 120,000 loan amount | up to EUR 18,000 |
| Efficiency house 55 renewable energy class | 20 % of max. EUR 150,000 loan amount | up to EUR 30,000 |
| Efficiency house 70 | 10 % of max. EUR 120,000 loan amount | up to EUR 12,000 |
| Efficiency house 70 renewable energy class | 15 % of max. EUR 150,000 loan amount | up to EUR 22,500 |
| Efficiency house 85 | 5 % of max. EUR 120,000 loan amount | up to EUR 6,000 |
| Efficiency house 85 renewable energy class | 10 % of max. EUR 150,000 loan amount | up to EUR 15,000 |
| Efficiency house monument | 5 % of max. EUR 120,000 loan amount | up to EUR 6,000 |
| Efficiency house monument renewable energy class | 10 % of max. EUR 150,000 loan amount | up to EUR 15,000 |
Construction supervision
Mandatory for promotion: For the expert planning and construction supervision of an efficiency house, you need the support of an energy efficiency expert.
Good to know: We subsidize construction supervision with an additional loan amount and repayment grant. You can apply for funding for construction support directly together with your loan.
All energy efficiency experts who are listed in the expert list for federal funding programs at the German Energy Agency are eligible.
Application
You submit your application to your financing partner.
What kind of promotional funds are available?
For installing and commissioning fuel cell systems supplying heat and electricity of residential buildings as well as for the necessary environmental measures you receive a grant up to 40 % of the costs.
The maximum grant amount – depending on the electrical output of the installed fuel cell system – is between EUR 8,450 and EUR 34,300. It is made up of
- a fixed amount of EUR 6,800 and
- a performance-related amount of EUR 550 per 100 W of electrical output.
Application for grant
You apply for your grant before you start the work. You can apply online via our grant portal.
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
- Lift facilities, stair lifts
- The creation of adequate clear space, for example for wheelchair users
What kind of promotional funds are available?
Either a grant or a loan
Grant
- 12.5 % for standard Age-appropriate House, up to EUR 6,250 per housing unit
- 10.0 % for individual measures reducing barriers, up to EUR 5,000 per housing unit
Application for grant
You apply for your grant before you start the work. You can apply online via our grant portal.
Barrier reduction – investment grant (only available in german)
Loan
For age-appropriate conversion up to EUR 50,000 per housing unit can be financed at favourable interest rates.
Loan application
You apply for your funding before you start the work. You can submit the application to your financing partner.
Age-appropriate Conversion – loan (only available in german)
For whom?
For everyone who wants to buy an existing house or a home to live in themselves
For what?
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 kind of promotional funds are available?
Up to EUR 100,000 can be financed with the KfW loan. Funds from this programme may always be applied for additionally to finance the acquisition of owner-occupied housing.
Loan application
You apply for your funding before you start the work or buy the property. You can submit the application to your financing partner.
For whom?
Promotion available for families with children and single parents.
- with at least one child under the age of 18
- with a household income of EUR 90,000 maximum with one child, plus EUR 15,000 for each further child
- Your new home or condominium is located in Germany. The programme is not restricted to German nationals.
For what?
You receive promotion, if you
- build or buy your own home and use it yourself
- buy a condominium and use it yourself
Important key dates and deadlines for your application:
- Your signature on the notarial purchase contract, the granting of the building permit or the earliest possible start of construction must be dated between 01.01.2018 and 31.03.2021.
- You apply for the subsidy after moving in. You have a maximum of 6 months to do this. However, we recommend that you apply as soon as possible.
Please note: It is possible to apply as long as the subsidy funds have not been used up.
What kind of promotional funds are available?
For constructing or buying your own home you receive a grant of EUR 12,000 per child (EUR 1,200 for 10 years).
Application for grant
You apply for your funding after moving into your new home. You can apply online via our grant portal.
