KfW BEG funding stopped 261, 262, 263, 264, 461, 463, 464

The problem is that we could no longer submit because the portal was closed. Therefore, unfortunately, we also do not have an “open” application.

Would you please tell me when you tried it via the portal?

And I think that is absolute nonsense.
In 2020, we had a net income of €5000 and our taxable income according to the tax declaration was €80,000.
So we are still far from the €105,000 that we should have for child construction allowance with 2 children.
And unbelievably, we manage to build in the Munich area with that. Even with a basement...
So no, I can't agree with you.

What is nonsense about that? First of all, I believe you define the Munich area very generously. And regardless of that, it is a huge difference whether I build there or, for example, in Thuringia.
And the down-calculation of some salaries is simply absurd. Then working hours are deliberately reduced (and less income tax paid) to fall under the limit and receive money from the state.
Then there is also the gamble that parental leave just happens to be timed correctly...

And scaling down any salaries is simply absurd.

If the first euro earned above the limit has an effective marginal tax rate of 3,800,000%, people naturally become creative. The rules are obviously absolute nonsense, it was a stupid election gift without much sense.

Can do or could do? Serious question, because 5k net roughly corresponds to a maximum loan of 500k-600k, even the cheapest (and I really mean the "cheapest") prefabricated house providers don’t build a house under €300k, plus basement and incidental construction costs: So either there are free building plots near Munich or the corresponding equity for topping up is available, but pure 5000k net alone is not sufficient according to my current research (we want to build) – and woe betide if the plot is not flat!

Could do, since we moved in recently.
And of course, we had saved up €200k equity beforehand, it wouldn’t have worked with just a loan.
And the plot was already bought a few years ago for €750/sqm at the time.
So yes, you are right, the way we built it, it wouldn’t be possible anymore now, we would probably have had to skip the basement and the double garage.
It hasn’t gotten any easier...
And we also got the KfW subsidy....

First of all, I think you define the Munich area very generously

The greater Munich area can probably be claimed at floor prices above €1000/sqm.
Of course, it is significantly more expensive in Munich itself, that’s clear. But you can hardly speak of a subsidy for structurally weak regions...

Yes, this is what the neediness looks like that conservative politicians have in mind when they talk about supporting families. :rolleyes:

But one cannot really speak of funding for structurally weak regions...

Yes, that was intentionally provocative. But with 1000€/m2, you surely didn't start without a good portion of equity, right?