Evaluation of Construction Project / Credit Offer

I would think about whether all the renunciation, the massive personal effort, and the associated stress are really worth it? I’m referring to KFW, especially 40plus...

A good objection, until a few days ago we would have agreed here as well and would have tended to approach the project as a KFW 55 house (possibly not even KFW 55). Due to the now increased subsidy (30,000 € repayment grant as well as 35% BAFA on the heating system), the whole thing is almost a zero-sum game in terms of effort. What should not be underestimated are the savings regarding running costs, which give us even more financial leeway in the ongoing process, but are not yet taken into account as such in the household budget. For electricity and heating, we have currently calculated 250,- € per month here; in a KFW 40+ house we expect a maximum of 100,- € per month.

The increase in funding was primarily for KFW55. There has hardly been any change with the 40 and 40+ steps.

Saving 150€ per month by moving from 55 to 40+ is total nonsense!

- Can we take out a loan elsewhere? Theoretically yes, but we don't want to. An unsecured employer loan up to 80,000€ at 1.05% would be possible.