House Purchase + Renovation - Which Strategy

No, according to my understanding (but I may be wrong, as I already mentioned I am not that far along with the planning yet) the renovation concept should already be in place before the financing.

I would prefer it that way too, but then you would have to go into the house with the energy consultant beforehand. I will call right away and ask what the usual practice is.

Does that mean you would finance the house and then, after handing over the keys, bring in an energy consultant and apply for another loan for the renovation?

No, the complete package en bloc. What will you do if the bank then doesn't give you the necessary loan when you first buy the house and only afterward apply for the renovation loan?

If you assemble renovation blocks, then you have a fairly accurate approximation of the investment. I would then negotiate and sign the loan package based on this projection. With the energy consultant, you can then address the details and surprises. Stay on top of the funding conditions – let’s see how quickly something from the new coalition agreement can be sensibly used by you, if you’re willing to take some risks and have time.

No, the entire package en bloc. What will you do if the bank then no longer gives you the necessary loan when you first buy the house and only afterwards apply for the renovation loan?

hm then the seller would have to be willing to wait that long, right? That could drag on for weeks

For a binding purchase commitment, it can be quickly cobbled together. Apparently, the question is not whether it can be financed, but only how it is cheapest.

I just spoke with the real estate agent, bank advisor, and energy consultant. 1. It seems absolutely normal for the energy consultant to make an estimate before the loan agreement. That also sounds totally logical, so you can calculate which combination of loans is the right choice. I have to agree with my predecessors on that. In my case, the real estate agent goes into the house together with the energy consultant, and the energy consultant gets an impression. Cost: 60 euros. 2. As mentioned before, you need the energy consultant's assessment to clarify which loan combination to choose. Possibly, a regular loan is better because the repayment of the KFW loan is relatively high, the fixed interest rate is only 10 years, and you cannot make special repayments. You also receive funding if you only carry out the measures and can then use the money in your account for additional special repayments. That depends on the individual situation of the borrower. I was offered 1.45% for 20 years today, whereas the KfW only has 0.94%, but only for 10 years and with high repayment and without special repayments. Everyone has to decide for themselves what is best.