Construction according to the Energy Saving Ordinance / GEG, assessment KfW55

The developer will not commit to that and there are also disadvantages (who bears the costs for the blower test etc.).

I am trying to understand that. What disadvantages and motivations does the developer have to not guarantee it to me, and are there ways on my part to positively influence that?

What disadvantages do you have if Kfw55 is applied for and not achieved?

I don’t know. Would that also be an option? That would at least solve the timing problem that the subsidy would have to be applied for before purchase and that later in the course of the execution planning there might still be some slight influence possible.

The question would then be what I could do to get him to actually guarantee it.

I'm trying to understand that. What disadvantages and motivations does the developer have to not guarantee it to me, and are there ways on my part to influence that positively.

I don’t understand how someone can not understand when a businessman or a company simply does not promise something that they might not be able to keep. Why should he take such a risk? How many lawsuits should he have to deal with if it really doesn’t turn out to be 55? He could go out of business. What if he promises you something and then does not stick to it? Then you end up with a “half financing” and incorrect calculations. What do you gain if you basically have to invest 10-15,000€, and after 10 years you are tied to a 15-year plus a 10-year KfW financing with your hands tied for an adequate follow-up financing? A KfW loan doesn’t have only advantages. On the other hand, you also have to mix the interest rates a bit – often the intended advantage is no longer relevant compared to a non-split financing. With 0.86/0.97% you’re already close to the grant.

I don't understand how anyone can not understand when a businessman or a company simply doesn't promise anything they might not be able to keep.

I absolutely understand. If that is the final statement, then I can live with it. I just want to understand if there might now be options that could possibly be positive for both sides, but that need to be resolved now and not in 6 months.

A KfW loan doesn't only have advantages.

I am aware of that. My primary concern is initially about the grant amounting to €18,000, regardless of the loan. And if, simply put, I have to pay the businessman €12,000 more and he has an additional effort of €6,000 for this, then we both have gained €6,000.

Exterior walls with a thickness of 36.5 or 42.5 cm with ETICS

... however, honestly, this then overloads my imagination as to how one could still be uncertain about meeting the KfW55 standard.

I'm trying to understand that. What disadvantages and motivations does the developer have to not guarantee it to me, and are there ways on my part to positively influence that.

I don't know. Would that also be a possibility? That would at least solve the timing problem, that the subsidy would have to be applied for before purchase and maybe a small influence would still be possible later during the execution planning.

Call Kfw and inquire ...

Said and done! It would indeed be unproblematic to submit an application under the grant variant (461) that would then be rejected. However, the contact person at the hotline also said that this construct is rather theoretical in nature, because everything would be calculated before the application is submitted and one would refrain from applying if the requirements were not met. Of course, I would be left with the costs for the energy efficiency expert.

My approach would therefore be as follows:
- Wait until the purchase contract is available and check whether it is evident from this that funding has already been applied for. Otherwise, I would also address the seller directly about this again.
- If this is not the case, I have or hopefully receive all the documents necessary for the application and can commission someone on my own initiative. He will then determine whether it makes sense to submit an application.
- If the requirements are met, the application will be submitted and most likely approved at the end, unless it turns out at the KfW that funding has already been applied for the property. Then I would receive a rejection (I assume quite early) and be stuck with the costs.

Somehow my gut feeling tells me that funding has already been applied for. I consider him a good businessman, and with 15 residential units, the total funding of at least 15 x €18,000 should not be underestimated. However, why one would tell a buyer that they are building to a "worse" energy standard is beyond me. The story "You are getting a KfW 55 house, but you don't have to pay extra for it because we cover additional costs through subsidies" actually sounds better than "You cannot apply for KfW funding because we are only building to the minimum standard," and that at the same final price. Well, I am curious. Many thanks in advance for the support.