Build a multi-family house according to the Energy Saving Ordinance or KFW55?

I might be wrong though. We will see.

I am betting on seeing; I don't believe in being wrong here.

(Almost) no person who likes an apartment or a house cares about building technology, KfW something, wall thicknesses, energy saving regulations, insulation, triple glazing or heat pumps. What matters is location, location and location, plus peripheral stuff that you cannot influence (the sun was shining during the viewing, the front yard very well maintained with favorite flowers, the lawn freshly mowed, walls nicely white, or the kitchen is kept in bright, nice beech).

Those who build elaborately build for themselves. A few features increase the price, such as underfloor heating, soundproof windows, south orientation with large windows, wiring for everything in all rooms, but that’s about it (writes someone who has bought and sold several properties).

Therefore, I agree with the tenor of my predecessors – build well, solid, safe and simple, everything else is a hobby.

So far, always received good and helpful information. First of all, many thanks to all involved...

My actual question was, approximately what will be the cost difference in percentage terms if the property is built according to KFW standards instead of the Energy Saving Ordinance.
Is it about taking advantage of the KFW subsidies and investing them in the house or not??
Ultimately, it is about a 90,000 € KfW 55 subsidy + low-interest loan!

So, here’s a dissenting opinion

Definitely get it checked out!
You can't possibly say yet how much more expensive it would be if you go for KFW55.
It’s a multi-family house, which has significantly less exterior surface per living space than a single-family house. That already gives you major advantages.
You surely have a professional on your side who should be able to estimate with relatively little effort how much of your currently planned standard is still missing for KFW55. After all, with 5 residential units, you get €90,000 in funding. You can do a lot with that.

There are just questions like:
How is the roof insulation planned so far (I suspect very good if you want to live under the roof)?
How is the base slab insulated? (Possibly additional cost, but since it’s 3 stories, the additional cost in relation to the living area won’t weigh heavily)
What would possibly have to be changed on the exterior wall? (Here, too, the area compared to the living space is not as significant as with a single-family house.) As far as I know, 36.5 cm bricks often already meet KFW55, maybe you only need a slightly better brick here)
Technology: is underfloor heating already planned? You can also use that for a heat pump, so no/almost no extra cost
Windows are already triple-glazed anyway, so that should be easily okay.

You might just need a bit more insulation on the base, a slightly different brick chosen for the exterior wall, and a heat pump instead of gas, and then you have a KFW55 house.

Yes, most tenants don’t choose according to building technology or energy standard, but according to location.
BUT: I assume you’re planning the house somewhere where there is definitely demand for rental apartments. If you now offer a KFW55 apartment, you can definitely ask for a rent slightly above average. You won’t have as many tenants to choose from anymore, but there should still be enough. And this way, you can generate higher rental income from the start because you can “advertise” with lower heating costs thanks to KFW55. Even if these are realistically maybe under €100 per year.
And as I said, maybe you won’t have to reckon with much additional cost and for €90,000 you can do a lot.

Next topic: If you ever want to sell, it’s simply worth more. Here, too, location matters most. But in the same location, you can still get a few euros more for KFW55 instead of the Energy Saving Ordinance.

My opinion in short: I would subject it to a closer examination!

Regards
Specki

Exactly running consumption is (unfortunately) completely irrelevant - therefore it should pay off directly or not be done at all.

KfW55 is not particularly demanding or expensive depending on the initial situation, especially with multiple residential units. Due to the now apparently significantly increased funding, it can definitely be very worthwhile.

You can replace gas + DHW cost-neutrally with a heat pump, which depends on the offers from the craftsmen, and of course on whether you want to install heat pumps. In case of rental, they are sometimes a bit less efficient (but the tenant pays). Whether the insulation needs to be upgraded or not cannot be judged here by anyone. It cannot be that expensive.

Personally, I would definitely have it calculated by a calculation trickster who can not only operate his standard software but also is familiar with alternative technical possibilities to improve the values (GSHP + photovoltaic, shower pipe), as long as you want to stay with gas. With simple heat pumps, the technical side would otherwise be fulfilled and a moderately skilled energy consultant can manage that.

My actual question was, how much will the cost difference be approximately in percentage if the building is constructed according to KFW instead of the Energy Saving Ordinance. Is this about taking advantage of the KFW subsidies and investing them in the house or not?? Ultimately, it's about €90,000 KfW 55 subsidy + low-interest loan!

But that has already been answered to you: No one here can tell you that. Have offers made for both, then you'll see.