House construction and renovation with state funding

State funding for house construction and renovation

House construction and renovation with state funding: funding

Who wants to build a house or would like to completely renovate, faces a major financial challenge, which is usually only with the inclusion of a loan to lift. Fortunately, as a builder, you have many state funding options available for real estate purchase and sustainable renovation.

In order to make energy-efficient refurbishments or energy-efficient building more interesting for clients beyond what is prescribed by the EnEV, the state supports appropriate measures with grants and cheap loans. These can be integrated into your real estate financing as a building block and sometimes combined with other subsidies. It is important to calculate whether it is worthwhile to carry out measures on the basis of the subsidies. These brochures on heaters, solar systems and photovoltaic systems will certainly help you here: they will tell you which annual energy savings are possible. To quickly calculate the number of years in which your expenses will be recouped using the grants.

Contents: State funding for house construction and renovation

  • Programs to promote the construction of houses or the purchase of real estate
  • Funding for renovations and renovations
  • Support programs for renewable energies
  • Grants and subsidies as part of real estate financing

Often the subsidies for home construction and renovation are subject to certain conditions, such as size, benefits or costs of the construction project. Therefore, it should always be checked which requirements can be met and whether it is worthwhile to make changes to the blueprint or to focus on another funding program. Especially the KfW loan offers many different variants here.

In the following, you will get to know the most common funding programs and the conditions for their utilization.

Programs to promote the construction of houses or the purchase of real estate

One of the largest development banks for home construction and renovation measures is the Kreditanstalt für Wiederaufbau, or KfW for short.

House construction and renovation with state funding: state

Save on new construction and rely on good insulation.

With the programEnergy-efficient construction, alsoCredit 153 KfW promotes environmentally friendly construction and the purchase of newly built, energy-efficient residential properties with low-interest loans of a maximum of € 100,000 per residential unit. In addition, KfW-Bank grants you a repayment subsidy of up to € 15,000: the better the KfW Efficiency House standard of your new building, the greater the subsidy.

  • Prerequisite for this product: The property must comply with the standard of a KfW Efficiency House 55, 40 or 40 Plus.

In addition, loan 153 can be combined with the KfW residential property program (loan 124). The bank is granting a loan of € 50,000 for the construction or purchase of a home.

  • Prerequisite for this productYou must own the property yourself and you are not allowed to rent it.

Funding for renovations and renovations

In addition to the construction or purchase of residential real estate, KfW also subsidizes energy-efficient renovation. The funding measureEnergy-efficient renovation (loan 151/152) is aimed at anyone who wants to energetically renovate their living space or buy a suitably renovated property. If the property is a KfW Efficiency House - or should the property be refurbished accordingly - low-interest loans of up to 100,000 euros are possible.

House construction and renovation with state funding: state

The renovation of older buildings is also supported and promoted. Let us advise you.

For individual energy-saving refurbishment measures or packages of measures, the bank grants a loan of up to 50,000 euros. Also with this program a repayment subsidy is possible, which can amount up to 27.500 euro.

  • Prerequisite for this product: You are renovating a residential property or are first-time buyers of renovated living space.

In addition, private individuals who refurbish their property with energy or purchase appropriately refurbished housing can apply for the KfW subsidy 430. It is up to 30,000 euros per unit.

  • Conditions for the grant: The planning application or the construction advertisement for the property was submitted before 01.02.2002 and an energy efficiency expert is consulted.

Support programs for renewable energies

The state supports not only real estate purchases, new buildings and renovations with financial means, but also renewable energy. About the KfW you can use appropriate facilities with the help of the loanRenewable Energy Standard (Credit 270) and Premium (Credit 271/281) finance. With the standard variant, a sum of up to 50 million euros per project is possible. With the Premium variant a maximum of "only" 10 million euro can be financed. In addition, attractive repayment subsidies are possible here.

House construction and renovation with state funding: renovation

Heat pumps use renewable energy and are funded by the state.

In addition to KfW, the Federal Office of Economics and Export Control,BAFA called for funding for renewable energy. These are grants that depend on the capacity and size of the equipment. BAFA subsidizes solar thermal, biomass and heat pumps with the following minimum sums:

  • 4,500 € for geothermal / water heat pumps
  • € 1,300 for air / water heat pumps
  • 3,500 € for woodchip boiler
  • € 3,500 for pellet boilers with buffer storage
  • 3,000 € for other pellet boilers
  • 2,000 € for pellet stoves with water bag
  • 2,000 € for solar thermal energy for heating support
  • 500 € for solar thermal energy for hot water

In addition, the BAFA promotes mini combined heat and power plants with a capacity of up to 20 kilowatts. Combined heat and power plants are plants that produce not only heat but also electricity. The amount of the one-off subsidy depends on the electrical power and can be up to 3,500 euros. If the plants are particularly efficient, there is an additional bonus.

Grants and subsidies as part of real estate financing

The support of KfW and BAFA can certainly be used as a building block for home or apartment financing. However, you should clarify with a mortgage lending professional which promotional products can be meaningfully integrated into the financing plan with regard to terms and repayment installments.

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