House construction 2016 - Which and when are the next steps to take?

Well, apart from that, the KfW funding is not really profitable anyway with the low interest rates and probably costs more than it brings, even with KfW 55 or even KfW 40, thanks to energy consultants, etc.

Someone has dealt extensively with the KfW funding or what is your statement based on?

This is merely a quite general statement from me. I only wanted to critically point out that the funding is no longer nearly as lucrative with the currently low interest rates as it was a few years ago. I think everyone agrees on this point.

I admit that my statement is somewhat crude and too general. Of course, everyone has to deal with it in more detail. I have not done this yet either, but I have already heard many similar statements from acquaintances and colleagues who build. A friend who is an architect also hinted at something similar. Roughly speaking, he said that 3-5k additional costs are definitely necessary for the formalities, and then the corresponding amount for better technology or insulation. With that, you can relatively easily calculate whether you can make it up again with the cheaper loan and the repayment grant.

See also .

Please do not see my response as a personal attack, rather as a critical remark, which you did, thank you.

The topic is unfortunately quite complex, one should really engage with it closely and then weigh up the options. Unfortunately, there are still some unknowns in play and a lot of speculation about it.

The only thing certain is that something will change from April 1st. Final information probably only in March, which does not make planning any easier.

I also do not want to go into details, there are some threads about this.

But one should not forget that we are talking about larger sums here and even if the interest rate is 0.5% below the market despite low interest rates, I’d rather put that into repayment, right?

Also, one should not forget that not everyone has optimal conditions (10,000 euros net per month and 60% equity :cool, or can negotiate well down to the last fraction. If one of these is not met, the conditions quickly get worse.

Also worth mentioning are the other contract points such as an interest-only initial period (2 years, which we personally find great, for example), free provision period, prepayment at any time,...
Of course, you can also negotiate all that directly with the bank, but that usually costs an interest surcharge.

We dream of the following conditions:
- KFW 55
- 100,000 euros per residential unit
- 20 years fixed interest at 1.2%
- 5% repayment grant

My answer should not be seen as a personal attack, rather as a critical remark, which you did, thank you.

No problem, I did not take it that way either. Yes, the 100k is of course a good innovation and could make the topic interesting again. My first answer still referred to the current circumstances.

One should also not forget, not everyone comes with optimal conditions (10,000 euros net per month and 60% equity :cool ...

Well, I think that only concerns a very small percentage of home builders. In these salary ranges, people tend to buy finished villas beyond 500k.