To estimate which heating system is the right one, you first need the heating load of the building. Making the decision based on an arbitrary estimate often backfires...
Ok thanks for the answers. On Thursday we have a consultation appointment at the heating company anyway, then we will also have the heating load of the building calculated and then listen to what they recommend to us. I just wanted to get other opinions in advance.
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With photovoltaics, it's a similar situation. High self-consumption in practice is not possible without battery storage – and weak yields in winter. For a third-party financed photovoltaic system including interest, insurance, repairs, reserves, etc., it is certainly no longer worthwhile (economically).
Photovoltaics are always worthwhile, regardless of whether you have a heat pump. High self-consumption is possible even without a battery; we achieve 39% at home. So you save 39% of your electricity consumption at 27 ct/kWh each and replace it with your own electricity from photovoltaics that costs you only about 10 ct/kWh. Bank interest rates are low anyway, insurance under 50 euros/year, no repairs since there are no moving parts, except for the inverter every 10-18 years. Reserves for what? With a heat pump, self-consumption can only be increased, and the 10 ct for photovoltaic electricity is cheaper than any heat pump tariff. Also, heat water preferably only at noon to further increase self-consumption. Only in Dec-Jan are the yields low; from Feb-Nov photovoltaics bring strong contributions.
Where do the 10 cents come from? They are simply "falling from the sky" right now. In relevant photovoltaic forums, different numbers can be found compared to yours. Also, many people do not manage to reach such high EV values so easily; especially if, for example, they work during the day (and therefore have to heat water in the evening and generally need more electricity then)...