Energy consultant deduction at KFW 55

Hello,

we are building a two-family house in KFW 55 EE. The application as a credit variant was submitted through an energy consultant. Afterwards, the loan application was made to the bank with two times 150,000 KFW and the rest from the bank.

Now the loan documents have come from the bank and were itemized as follows:

Instead of 2x 150,000 eligible and qualified for the repayment subsidy KFW 55 loan, only 2x 146,000 were included. The remaining 2x 4,000 euros were entered as a loan (with calculation of the corresponding repayment subsidy) for the energy consultant.

As a result, we lose about 2x 700 euros repayment subsidy for KFW 55.
Is this usual? Where was the mistake?

Should we have clearly communicated to the bank that we plan to pay the energy consultant ourselves? Is that even possible, or is the only choice to have both via loan or both via pure grant?
Should we have applied for a separate loan for the 8,000 euros so that it doesn’t get lost in the normal 150k, and what would something like that look like?

I hope my problem is understandable, otherwise feel free to ask questions.

If I remember correctly, the repayment grant for the energy consultant is 50%.

So you prefer to receive the lower funding?

If I remember correctly, the repayment grant for the energy consultant is 50%. So you prefer to receive the lower subsidy?

Yes, 50% is correct. No, we just want to receive the full subsidy for both. The 8000 euros for the energy consultant are deducted from the KFW loans. In other words, 8000 x 17.5% = 1400 euros repayment grant is missing. I can't imagine that this is always the case, otherwise one would certainly have read something about it and would financially benefit more from the pure grant without a loan. I can't imagine that. Therefore, I assume that we made a mistake somewhere in the process. The question is only what, and if something can still be fixed afterwards.

So the following was applied for and approved for me:

KfW loan €150,000
Increase of loan for energy consultant €10,000
-------------------------
Total loan €160,000

Grant KfW40 €37,500
Grant energy consultant €5,000

I think the problem lies in the fact that you don’t have to fully utilize the KfW loan and someone applied incorrectly. From your wording "2 times 150,000," the suspicion could arise that it was your mistake. I would talk to the bank to see if anything can be changed, otherwise just consider it a learning experience.

Ok, thanks a lot already. That means for you, the loan amount was simply increased by the energy consultant.

Increasing it afterward is probably not possible (I am already at the lending limit for this interest rate level). The only option left is probably to ask if I can just pay the energy consultant myself as planned. Only later something might go wrong and I am stuck with the full 8000 without subsidy.

I don't understand the part about the loan collateral now. The overall ratio doesn't change initially; only a portion is shifted from the bank tranche to the KfW. The subsidized loans have their interest rates independent of the collateral. Accordingly, the collateral of the bank tranche can at most improve, according to my understanding.

The problem I see rather is that the bank may not want to reduce its own tranche because it earns more from it. And that's why your instruction was interpreted not in your sense but in theirs ;)