Is a surcharge of 17,000 common for KfW55?

Simply finance part of the loan, e.g., only for 5 years or even variable. Nobody just pays 10 or 17K€ for a special repayment right. The price might be about right, by the way; apparently, everything needs to be improved on your side. It already starts with the roof, which is apparently being built as a flat roof in wood with rafter insulation (the cheapest but also most vulnerable construction). More insulation also means thicker beams. So it’s not just about 2-4cm thicker stone wool. If someone else did it for 10 ... then you’ll probably have to go to the other one. But is he actually cheaper overall? Maybe he has a standard construction that is easier to improve energetically. To stay with the roof example: if he builds it with external insulation, whether wood or better concrete, he can simply add 2-4cm more. Also, he can use EPS instead of wool, which is cheaper in terms of materials and labor.

We had negotiated the clause that we do not have to call up €20,000 free of charge. Everything is fine. I would not make it variable; if you call it up, you have an unpleasantly high interest rate for the component.

wrong topic,

Are you far enough along in the planning to submit the KfW application before mid-April? Free special repayments will no longer be possible after that.

Isn't that basically the death of KfW loans? With the current interest rates, it's no longer worthwhile compared to regular financing, unless you have so many components that you automatically fall into the KfW55 category.

I also find the transparency somewhat lacking. Additional costs for KfW55 compared to what? Energy Saving Ordinance is clear, but what does that concretely mean for the builder? Examples of what a KfW55 house and a house according to the Energy Saving Ordinance are, are somehow missing on all the info pages. Of course, you could have it calculated by an energy consultant, but that's not exactly cheap.

In my opinion, KFW loans have been useless for at least 1.5 years now, as soon as you reach 80-90% loan-to-value. The loan conditions are simply worse than the open market, and even a €5000 repayment grant doesn't change that anymore. No idea if the funding pool has become smaller or something like that. Just 2 years ago, they really had interesting conditions.

However, the fact that unlimited special repayment was eliminated was only a matter of time after the loan conditions got worse. The "abuse potential" was simply too high to just collect the repayment grant (taking a €100,000 tranche, securing it through a Forwarddarlehen, collecting the repayment grant, calling up the Forwarddarlehen, repaying KFW completely free of charge with early repayment).

It will be difficult to create such a listing at all. You have the different building materials, triple glazing has different U-values, renewable energies, etc. Houses are big puzzles and somewhere the energy efficiency comes into play.