Hello Roy,
The price of 370,000 includes painter and flooring work (27,000€ including materials is allocated for this) as well as incidental construction costs (excluding property acquisition and notary).
Then I would be very careful in your place, because nobody is giving anything away; assume "typical" incidental construction costs of around 40,000 EUR (including property acquisition tax + notary).
Honestly, I thought that everyone here advises against an air-water heat pump. My personal assessment was roughly like this:
Ground-source heat pump > gas condensing boiler natural gas > pellets > gas condensing boiler liquid gas > air-water heat pump
In my opinion, you shouldn’t take everything written here at face value, especially when it comes to heat generators. I am fairly sure that many supporters of ground-water heat pumps ended up using an air-water heat pump at the end of the day; at least a ground collector. Besides, ground-water heat pumps cannot be installed economically everywhere.
Just go to an energy agency® near you, then many of the statements here will relativize; especially those regarding air-water heat pumps. Air-water heat pumps are better than their supposed reputation and are often confused with air-air heat pumps. The latter can easily become a money pit in a standard Energy Saving Ordinance house.
If an air-water heat pump is better than I thought, that would have several advantages:
1) I can save myself a chimney
2) I can use the air-water heat pump for cooling in the summer (which is a huge advantage)
You no longer need a chimney draft for a gas connection either. I see gas more as problematic in connection with the new Energy Saving Ordinance 2016.
Please do not overestimate cooling with an air-water heat pump; we are talking about a maximum of 2 degrees. In addition, normal humidity settles at the coldest spot in the house, which in this case would be the floor. So with tiles, you should be careful that your floor does not become a slipping hazard.
How high would (roughly) the credit have to be for an air-water heat pump if a pellet heating system is planned in the cost calculation?
If I give you a number now, it won’t be of much use to you since your provider bases his offers on a mixed calculation. Maybe he also caught a special item for pellet heating somewhere and can therefore currently offer price-neutral.
Besides the energy agency®, in my opinion, you should consider another visit. Namely, to find expert help who will explain the offer you have in all details—including the contract documents. Only when you fully understand the offer can you make a decision; a decision whose consequences will accompany you for several years.
Rhineland regards