Kfw 270 Photovoltaic financing independent from construction financing

Hello,

I am currently in the process of finalizing our construction financing. I am considering maybe ordering a photovoltaic system after all, since the house construction will take at least 12 months anyway.

Now, of course, the question arises whether it can be 100% financed through [kfw 270]. According to the website, the interest rate is currently 2.3%. That would be significantly better than the construction financing over 20 years. Does it make sense to finance it separately, or is it simply too expensive right now and I should rather save and buy it myself in 12 months?

Thank you very much

With your own money, you don't pay any interest and the return is, of course, higher. However, not everyone has around 20-25,000 lying around. What are your mortgage financing terms for 10 or 20 years?

Interesting: 2.3% is available for top credit rating over 5 years. For 10 years it is 2.69% and for 15 already 3.19%.

My bank just offered me 15 years at 3%. I'm a bit surprised right now.

I think the systems won't get any cheaper for the time being. You can calculate for yourself how profitable such financing is even with the feed-in tariff. However, in a year it will probably be close to 0. I am happy with my system, but in hindsight I should have split the financing and taken the 270. Maybe there are other subsidies in your federal state!? We had the 10,000 Houses Program in Bavaria

With your own money, you don't pay interest and, of course, the return is higher. However, not everyone has 20-25,000 lying around.
What are your mortgage financing conditions for 10 or 20 years?

I will get them next week.
I used a planning tool today and, of course, it shows a much better return if I don't take out a loan. The tool also calculates costs for a 10kwp photovoltaic system for 13k gross. Which is relatively cheap.

I will then get quotes for a photovoltaic system without a storage unit.

Interesting: 2.3% is available with top credit rating for 5 years. For 10 years it's 2.69% and for 15 years already 3.19%. My bank just offered me 15 years at 3%. I'm a bit surprised.

But that's pretty bad. 3% would still be okay for 20 years.