Maybe I don’t quite understand this correctly or I’m mixing something up, but my current understanding is that only those who already have "everything up and running" should hurry until 31.12.20.
You are mixing something up.
For those who anyway plan to start construction only next year, wouldn’t it rather be worthwhile (partly higher subsidy amounts) to take advantage of the new federal funding BEG from 01.07.2021?!
No. That’s not true. The subsidies from this year are generally higher than the future ones.
Example KfW 55:
Until 30.06.2021 (provided BAfA application was submitted by 31.12.2020):
Repayment grant KfW 153: 120,000 EUR x 15% = 18,000 EUR
BAfA subsidy: 30,000 EUR x 35% = 10,500 EUR
Total subsidy: 28,500 EUR
From 01.07.2021, provided EE or NH package is fulfilled:
Repayment grant KfW 153: 150,000 EUR x 17.5% = 26,250 EUR
BAfA subsidy: 0 EUR
Total subsidy: 26,250 EUR
Example KfW 40:
Until 30.06.2021 (provided BAfA application was submitted by 31.12.2020):
Repayment grant KfW 153: 120,000 EUR x 20% = 24,000 EUR
BAfA subsidy: 30,000 EUR x 35% = 10,500 EUR
Total subsidy: 34,500 EUR
From 01.07.2021, provided EE or NH package is fulfilled:
Repayment grant KfW 153: 150,000 EUR x 22.5% = 33,750 EUR
BAfA subsidy: 0 EUR
Total subsidy: 33,750 EUR
Example KfW 40 Plus:
Until 30.06.2021 (provided BAfA application was submitted by 31.12.2020):
Repayment grant KfW 153: 120,000 EUR x 25% = 30,000 EUR
BAfA subsidy: 30,000 EUR x 35% = 10,500 EUR
Total subsidy: 40,500 EUR
From 01.07.2021, provided EE or NH package is fulfilled:
Repayment grant KfW 153: 150,000 EUR x 25% = 37,500 EUR
BAfA subsidy: 0 EUR
Total subsidy: 37,500 EUR
By the way: The higher the eligible costs for the heating system, the greater the advantage of the old subsidy.
It’s unfavorable though for those who rely on subsidies in the meantime until 30.06.2021.
Do I understand that correctly so far?
Correct, if no BAfA application was submitted this year. Then you only get the 18,000 EUR, 24,000 EUR or 30,000 EUR from the KfW-153 program.
Therefore, it has already been advised here several times to submit a BAfA application by the end of the year to keep all options open in 2021.