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

Does anyone have an idea how, or with what arguments, one could approach Sparkasse to obtain any change to the loan?

The problem is that we already concluded our loan with them last year and wanted to apply for the subsidy as a grant. Now it was no longer possible to apply in time, it looks like there is no longer a grant option available, and the bank advisor from Sparkasse bluntly says there is nothing they can do, the loan agreement is final.

That means for us, even if there were a new construction subsidy for EH40 again, we could no longer apply for anything.

If I read that correctly, what you are missing in your financing concept now is _only_ the repayment subsidy. I also don’t see any leverage for you to negotiate any improvements with the bank now. The contract between you and the bank has nothing to do with the KfW at all. Even if the subsidy was part of your budget plan (the questionable nature of such an approach was already discussed extensively earlier in this thread), it still has no connection to the loan agreement.

Even if the bank wanted to accommodate you, what could they do? Interest rates have risen in the meantime. They can’t offer you better terms. What did you imagine? That the subsidies would be discontinued like this is a disaster, we probably agree on that. But the banker is not being blunt just because he can’t give you money for free.

We know that there are no points of contact between the KfW and the Sparkasse, of course it is also our own fault for having calculated that way...

Nevertheless, one would think that for a bank as large as the Sparkasse, there are ways to "shift" certain things. I'm not talking about gifting, but somehow the loan should be reducible by amount X so that the rest can be covered by the KfW. It surely doesn't hurt anyone, clearly it means less profit for them, but it's not damage to the bank like it is for the little guy.

What do they gain if none of this can be managed? Nothing either...

And he is ruthless for that reason, because before signing the contract he was the nicest person in the world, and now, after receiving his five-figure commission, he looks down on us like nothing could be higher. Just his tone and his indifferent attitude about the fates that are currently affected here, it's unbelievable in what kind of world we live nowadays... Soul sellers is exactly what these people embody and they sleep like lambs, just like our Mr. Habeck and his green association.

I'm sorry, but it is such a tough time right now...

1. Are there options for additional financing? If not, remove the battery storage, I would have the heat pump calculated versus gas + solar thermal. Have you already signed a house contract? Or are you building it yourselves?

The house contract is signed and meanwhile the building application is also completed. The architect has only worked on KfW 55 houses in the past months, which is why we have been neglected, but that didn’t really bother us...

We could even fully withdraw from the house contract because we signed this suspensive condition for the KfW funding, but actually we don’t want to do that either... We have already made significant cuts and it is still all possible, yet of course it would have been nice if the dream house had remained one, currently everything is basically just a bad compromise... Almost €80,000 can’t just be quickly cut out...

Refinancing would certainly be an option, but certainly not wise at the moment. We have calculated everything so that the house is paid off with the loan, everything after that, garage, outdoor facilities, etc. we have fully calculated with the grant and if anything was left over, it would have been used as a special repayment directly into the loan.

And he is ruthless precisely because before signing the contract he was the nicest person in the world, and now, after receiving his five-figure commission, he looks down on us like no one else. Just his tone and his damn indifferent attitude towards the fates currently affected here, it is unbelievable in what kind of world we live nowadays... Soul sellers is exactly what these people embody and they sleep like lambs, just like our Mr. Habeck and his green club.

Wait a minute: The bank signed a contract with you. This is binding for both sides. That you miscalculated the repayment subsidy is not his problem, it is yours. Now playing the poor victim and then coming with the tenor of mostly umbra-colored populists describes quite well today's society. If things go well, you take whatever you can at the expense of the community; if things go badly, it's always someone else's fault. Oh yes, and by "others" you naturally mean Mr. Habeck as well...

Counter question: What would be your reaction if the bank came to you today and said it miscalculated the interest rate and needed higher interest from you to survive?

Still, one would think that for a bank as big as the Sparkasse, there are ways to "shift" things around. I'm not talking about gifting, but somehow the loan amount X should be reducible so that the rest can be covered by the KfW. It certainly doesn't hurt anyone, sure it's less profit for them, but no harm for the bank like it is for the little guy.

Yes, it does hurt the bank. If everyone says that, the bank quickly goes bankrupt. Oh yes, when the bank just raises the interest rate - it doesn’t hurt the well-earning homeowners (sure, you can just buy a little less each month) - would you be okay with that?

And he is ruthless because before signing the contract he was the nicest person in the world, and now, after he received his five-figure commission

The banker gets his fixed salary. A five-figure commission would be nice.

We calculated everything so that the house is paid off with the loan, everything after that, garage, outdoor facilities, etc., we fully calculated with the grant and if anything was left over, it would have gone directly back into the loan as a special repayment.

My grandmother already said that you shouldn’t spend money you don’t have yet.

Bad luck, but your personal misfortune. If you can’t manage to apply for the grant within so many months...