Decision aid for choosing the construction company

I can well understand the desire for kfw40. We want a central controlled residential ventilation system and photovoltaics anyway. So kfw40 is "only" a bit of insulation. I don't understand why so many people here harp on it and dismiss it as a waste of money...

But you can have all that with a KFW 55 house as well, can't you? We have a central controlled residential ventilation system and are having the pipes laid for photovoltaics – maybe it will go on the roof later if the battery storage is worthwhile and not so expensive anymore. I just don't see the huge advantage of a Kfw 40 house. As I said, each to their own – however, that pretty much excludes all solid builders, which I find unfortunate if one could actually have an advantage because of it? It could be that the original poster says that the regional solid builder is really good, the prices are right, and only the criterion with KfW40 doesn't fit. Maybe one could then just do without it? Just an idea from my side...

But you can have all that with a KfW 55 house too, right? We have a central controlled residential ventilation system and are having the pipes laid for photovoltaics - comes

Why then give up on 12k funding? Why not the photovoltaics right away? Just because your builder insists on insulating a bit better?

Why then forgo the 12k subsidy?
Why not just go for photovoltaics?
Just because your gu insists on better insulation?

1. Insulation measures for a solid house to KfW 40 cost an extreme amount of money – it simply isn't worth it and is almost impossible to achieve in solid construction with bricks – meaning: no one does it... It only pays off with timber frame construction.
2. Photovoltaics are currently 0.0 attractive. I buy the photovoltaics for 10k but can’t fully utilize them because battery storage is way too expensive. In 5 years the storage will be cheaper, my photovoltaics possibly even cheaper, and then I can store the electricity accordingly for self-consumption, which is simply not possible right now. So I get everything prepared, invest my money in areas that currently bring me more benefit, and am well prepared for the future – photovoltaics – accordingly. A lot has happened in the photovoltaics sector in recent years; in my opinion, right now it's just money thrown away – but there are different opinions on that.
3. "to insist" as said, is not really an option with a solid house. It is simply hardly possible and only associated with enormous costs. The extra effort it brings me – basically amounts to zero. You won’t save any money on heating or anything else with a KfW 40 house.

If in the end I pay only 5k more for a comparable timber frame house than for the solid builder, then the surcharge for KfW 40 isn’t worth it anymore... There are also the advantages of a solid house etc. But let’s not talk about that for now – it’s ultimately also a matter of "conviction."

So yes, for me KfW 40 doesn’t necessarily make sense.

Regarding 1. You cannot generalize like that. Even an ETICS house is solid. Hardly any additional costs arise here. However, I agree with you on monolithic! Also partly difficult with clinker. Regarding 2. I disagree on two points. Photovoltaics pay off energetically and thus environmentally after a few years. Financially, it does take some time depending on the offer, but can be amortized in under 20 years depending on the purchase price! Regarding 3: see 1 Please don't dismiss things so absolutely. ;-)

Regarding 1. You can't generalize like that. A WDVS house is also solid. This hardly causes any additional costs. However, I agree with you on monolithic! Also partially difficult with clinker.

Regarding 2. I disagree on two points here. Photovoltaics are energetically and thus environmentally worthwhile after a few years. Financially, it does take some time depending on the offer, but depending on the purchase price, it can be amortized in under 20 years!

Regarding 3: see 1 Please don't just sweep things away with absolutes. ;-)

Regarding 1.

Yes, you are right - of course the question arises how high the percentage share of WDVS houses on the market is. I doubt that this is an option for the OP... For that, one would first have to research, inform, and compare much more. So it probably remains clearly monolithic in this area, and thus my assumption is simply about 98% correct - as I said, nowadays either brick or Ytong is used if a solid house is built. Besides, you are also in a completely different cost range with WDVS...

2.

Yes, that's exactly what I mean? Of course, photovoltaics pay off IMMEDIATELY energetically and environmentally, but NOT regarding the acquisition costs. Therefore, I might also install the system 5 years later at a lower purchase price and possibly with new energy standards? So, in such a phase currently, where the P/L ratio of photovoltaics is at its lowest, the consideration is to save/invest/spend the money elsewhere.

@TE untangle the knot in your head that it has to be a prefabricated house, otherwise this discussion makes little sense, as you have already pointed out yourself, although you had identified a different cause ("the others don't understand you"). Rather, it seems to be you who, instead of finally visiting a builder in the neighboring village, asks multiple times here what is supposed to be better about it. Well, if you are of the opinion and remain that nothing beats a prefabricated house, then just build that way, but then the discussion here is pointless. You were even given suggestions to google (!) ... check out new development areas and read the signs posted there. The assumption that only your chosen ones are appealing and build "high quality" (the follow-up question is, I believe, still unanswered) is an interesting one... how do you come to that? I also consider the statement "probably you can't go very wrong with any of the companies?" to be at least bold. Just take the advice here... ;)