The funding has been available for 20 years, and since then prices have fallen by several hundred percent...
I also meant short-term. Just take a look at how the promotion of energy efficiency consultants has an effect. Because there is always better technology that becomes cheaper and cheaper, prices fall in the long term.
Once again, very simply:
you get the money from the KFW, can pay it back over 20 years.
For, say, 15k for a photovoltaic system, that is not even 70€ per month.
If you now get 70€ feed-in tariff or save that much in electricity costs, you have the system completely free, without having spent a cent of your own money.
Systems for 1000€/kWp are definitely possible, so here we would have 15kWp, with good orientation about 15mWh per year, so at the current tariff about 90€/month. With appropriate self-consumption even more.
So where exactly is the financial problem, what other subsidies and aids are needed?
Yes, you must not have paid too much for the system.
And if it is really financially critical, you should also consider appropriate insurance.
It was not presented that way for us. For us, (within the framework of the KFW loan) a maximum of 10 years was mentioned (we wanted to pay it off earlier and aimed for 6 years). The system, as mentioned, would have cost 18k at that time (subsidy already deducted, but I believe that no longer exists). We did not want a battery. Feed-in tariff has been around just under 6 cents for us for 2 years. Our neighbor is doing the same thing.
It was calculated that we would be at just under 400€ per month, at 10 years term at just under 200€. Since even that was not feasible for us at the time, we dropped it. I do not consume that much electricity per month after all, and the feed-in tariff keeps decreasing continuously. The neighbor has now been notified it will be 5.6 cents.
Where do the incorrect feed-in tariff rates come from? In October, for example, it is 7.14 cents for the first 10 kWp. Afterwards, up to 40 kWp, it is 6.94 cents. Two years ago, the rates were about 11 cents. Someone has talked nonsense here. And why does one want to quickly get rid of a loan that pays itself off comfortably over 15 years (or 10 if you use some equity)? Why the hurry?
It was not presented like that with us. With us, (within the framework of the KFW loan) a maximum of 10 years was mentioned (we wanted to pay it off earlier and aimed for 6 years). The system, as mentioned, would have cost 18k back then (subsidy already deducted, but I believe that no longer exists). We did not want a storage system. The feed-in tariff has been just under 6 cents with us for 2 years. Our neighbor is doing the fun.
It was calculated that we would be at just under 400€ per month, with a 10-year term at just under 200€. Since even that was not feasible for us at the time, we filed it away. I don't consume that much electricity per month, and the feed-in tariff is continuously decreasing. It is now announced to be 5.6 cents at the neighbor’s place.
The numbers for the feed-in tariff are simply and utterly wrong!
As for the rest:
Oh dear, so you finance your house construction only over 6 years and then do not wonder that the installment is more expensive than the rent for a comparable property?
That of course makes sense ... not.
So calculating a photovoltaic system over 6 years is simply nonsense. The subsidy goes over 20 years, so that is the correct (minimum) period.