Coalition Agreement 2025, New Building Funding

We expect positive impulses from the renewed promotion of EH55 projects. However, both a time limit and a restriction to the construction backlog are planned. In our assessment, this could increase completions by a few thousand units. We also view positively the focus on two key KfW funding programs, one for new construction and one for modernization. If this entails a reduction of the funding jungle, it could be a contribution to bureaucracy reduction.
For new construction, there could be tax relief and equity-replacing measures. Details are needed for an evaluation. Government guarantees for mortgages are also to be considered. As in other countries, this could help particularly low-income households to achieve home ownership. The guarantees could both facilitate loan approval and implicitly reduce interest rates, for example by insuring health or family risks.

For me as a layperson: What could equity-replacing measures be?

756 will become a control variable. We will strengthen the neighborhood approach. We will continue the renovation and heating subsidies. The costs for energy-efficient renovations of inherited properties will be tax-deductible in the future. We want to temporarily restore the eligibility of the EH55 standard to activate the construction backlog. We will simplify the integration of the Building Energy Act and municipal heat planning. The national building efficiency classes in the Building Energy Act will be harmonized with our neighboring countries. We will exploit the leeway in implementing the European Building Directive (EPBD). We advocate for an extension of the implementation deadlines.

It would be enough to abolish the QNG nonsense, increase the KfW loans by 50,000-100,000€, and lower the interest rates back to their original levels.