Bafa funding for heat pumps will be discontinued as of 31.12.2020.

I certainly won’t be getting any more offers from my [GU] this year. If the [BEG] funding next year is actually similar to the current [BAFA] funding, I am considering taking it and removing all the [KfW] stuff from the financing. Regardless, we will build a brine-water heat pump and also finance a photovoltaic system. The thing is that we get better interest rates from our house bank than from [KfW] (even with 15 years of fixed interest compared to 10 years at [KfW]), which is why the repayment grant is partially eaten up again by the higher interest rate of the [KfW] loan. And then there’s the energy consultant, whom you have to pay 50% of the cost yourself. That can also amount to a few thousand euros. Then you also have this rigid loan structure that doesn’t allow for changes in installments or special repayments.

and how do you see the statement/fact of .

BAFA is unreachable thanks to Corona. According to the note, it should work without offers?

best regards

I certainly won't be getting any more offers from my general contractor this year.
If the BEG subsidy next year is actually similar to the current BAFA subsidy, I'm considering taking it and leaving all the KfW stuff out of the financing.

Sounds good in principle, but if all the BEG stuff is only really available in half a year, that would be a big problem for us at least...

and what do you think about the statement/fact of .

BAFA is unreachable due to Corona. According to the note, this should work without offers?

There is nothing to add to Martial’s statement. The offer does not have to be attached to the application. However, the amount you enter in the application must be verifiable with an offer upon BAFA's request. Ergo: If you enter EUR 41,000 there, you must also submit an offer for exactly these EUR 41,000 dated before 31.12., upon BAFA’s request.

If the BEG funding next year is actually similar to the current BAFA funding, I am considering taking that and removing all the KfW stuff from the financing. Regardless, we will install a brine-water heat pump and also finance a photovoltaic system. It is because we get better interest conditions at our house bank than at KfW (even with 15 years fixed interest compared to 10 years at KfW), which means the repayment grant is partially eaten up by the higher interest rate of the KfW loan. And then there is the energy consultant, which you have to pay 50% of yourself. That can be a few thousand again. Then you also have this rigid credit construct, which does not allow for changes in installments or special repayments.

The BEG funding will certainly only be available with the involvement of an energy consultant.

It is actually quite simple. If the KfW loan application is submitted by 30.06., it is highly advisable to submit a BAFA application still this year.

However, if you only fix the financing in the second half of 2021, you no longer need a BAFA application. The new BEG funding conditions will apply anyway.

Either way, you probably cannot avoid the energy consultant.

And KfW funding without a KfW loan will be possible – if at all (as it has not yet been decided) – only from 01.07.2021.

So I uploaded an offer from my contractor with the application without any request from BAFA, which only stated a description of the heat pump and ventilation system as well as an amount. Later it turned out that my contractor had made a mistake when preparing the offer, and I communicated this by email and only informed the new amount by email without evidence. In the BAFA grant notice, the entire amount was initially considered after correction. My assumption: The application is initially only about what you want to apply for and whether the project basically meets the funding conditions. Whether you actually receive the funding at the end will then be checked after completion based on the documents to be submitted (invoice and specialist contractor statement). I further assume that you can initially manage without an offer. But you have to enter something for the estimated costs. If necessary, BAFA will still request an offer, which you can then submit...

I still suspect that you can manage without an offer for now. But you have to enter something for the estimated costs. If necessary, BAFA will still require an offer, which you can then submit later...

That is certainly the case. In my opinion, there will be difficulties with an offer from January 2021, unless there is an underlying offer from December 2020.