QNG is not a funding condition for KFW300. QNG is a requirement for increased funding (+50k€ compared to without QNG) And yes, the bridge calculation itself does not change anything about the house, but it is necessary to prove that it is a KFW40 house. If all bridges are calculated and still too much heat is lost inside, something must be changed in the house. Don't get me wrong, I have no idea why KFW40 should not be calculated with simplified reference values like KFW55 (i.e. u-value wall < x, u-value roof < x), this is a waste of money without end (~100€ per thermal bridge). At least the values that must be used without explicit calculation should be lowered, since every thermal bridge that is calculated reduces the value.