Heat Pump for Urban Villa - Selection Guide

Good day

I have been reading in this forum for several months now and I have a question about the planned heating system.

I have already had several consultation talks with various house providers and have shortlisted 2 of them.

The local provider, whom I favor, gave me a choice of 3 different heat pumps and now I am facing the difficult decision.

Basic data:
approx. 128 m² house area, of which approx. 120 m² is heated by underfloor heating
town villa
Kfw 70
central residential ventilation planned by Pluggit.
desired temperature 18-20 °C
heating load calculation does not exist yet

The heat pump should if possible be able to cool via the underfloor heating in summer.
The options are:

Designation

Rating

Cop

Price before deductions

Funding

Price after deductions

Rotex HPSU compact

Nominal COP A2 / W35

3.54-3.64

Standard

Standard

Heliotherm air heat pump Sensor Komfort Kompakt S08 L-M-CC

Performance number Cop A2W35

4.2

Additional cost of €5099

Less BAFA funding €1500

€3599

Heliotherm ground source heat pump SNTM 3-10

Performance number Cop E4W35

6.15

Additional cost of €9990

Less BAFA funding €4000

€5990

According to the advisor, the Rotex is not eligible for funding.
He recommended the Heliotherm air heat pump as it is significantly quieter and more energy efficient, eligible for funding and only slightly more expensive.
According to the internet, however, the funding thresholds are at the following points
air/water heat pumps: 3.10 (at operating point A2/W35)
brine/water heat pumps: 4.30 (at operating point B0/W35)
water/water heat pumps: 5.10 (at operating point W10/W35)

Thus, the Rotex would also be eligible for funding.
The Heliotherm air heat pump is therefore €3600 more expensive and slightly more efficient, at least when considering the values in the tables.

The ground source heat pump naturally has a significantly higher Cop.
However, I have not found any limit for this heat pump regarding when it is funded, as only A, B and W values are given.

I also have not found the heat pumps in the BAFA supported heat pumps list.

According to the advisor, however, the ground source heat pump is definitely eligible for funding.

For the ground source heat pump, approx. 180-200 m² surface collectors are installed.

Currently, I tend to go for the ground source heat pump, even though this will incur additional costs of €6000.

However, it surprises me that the Heliotherm air heat pump Sensor Komfort Kompakt S08 L-M-CC offers active cooling, but no cooling capacity is stated in the technical data, whereas the Heliotherm ground source heat pump SNTM 3-10 has a cooling capacity E4W55 stated, but the website does not mention that it is suitable for cooling.

Which solution would you recommend to me?

Best regards
Florian

According to the internet, the funding limits are at the following points Air/water heat pumps: 3.10 (at operating point A2/W35) Brine/water heat pumps: 4.30 (at operating point B0/W35) Water/water heat pumps: 5.10 (at operating point W10/W35)

According to the BAFA homepage, a heat pump must have an annual performance factor of at least 4.5. However, you really cannot find or calculate this value for a heat pump anywhere, because the online calculators only calculated 4.2 for us, but the manufacturer's calculations showed an annual performance factor above the funding limit that BAFA has also accepted.