Wait a moment. Has our state really gone that crazy? That means with a gas heating system you have to insulate so much, otherwise it won’t be approved?
Yep, it’s due to the calculation methods. With gas, the house becomes "worse".
In the end, you are financially forced to use the much less efficient and more environmentally harmful air-water heat pump?
That assessment could only have come from you ;)
What I would do:
- WLG 42 for interior insulation is the worst possible insulation variant you can buy for money
==> upgrade to at least WLG 32/35 – costs almost the same price
- Why only 4cm insulation? The surcharge for eight is low since only the material costs rise slightly – the fixed costs like plaster, labor, etc. remain the same
==> put on 8cm insulation right away (for a house of 10x10m we are talking about a loss of just over one sqm of living space)
- Recalculate with the above-mentioned insulation measures and then consider the air-water heat pump again
- Design underfloor heating consistently at 7.5cm (or less, if necessary/sensible) and check for the lowest possible supply temperature
- Air-water heat pump as a monoblock with indoor installation (regardless of whether Panasonic/Wolf/Viessmann or similar)
==> cheaper prices than split devices and especially Panasonic with great values and high tolerance against misuse/misdesign
- Include an engineering office for heating planning/design (costs about 200-300€ for room-by-room heat load calculation as well as computational and graphical design of the underfloor heating)