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

In my opinion, there is indeed a claim with an approved grant/loan - "Pacta sunt servanda" - contracts must be honored.

I see it the same way. It reminds me of the Baukindergeld. It was communicated very clearly that once the approved fund was depleted, the funding would end overnight. It is the same here, only that it was not communicated as clearly in this form. There were approved budget funds, which have been used up.

I have already written this in many other threads, but gladly again here:
Why should somewhat better insulation be so expensive?
Timber framing almost always automatically meets the required standard.
With ETICS, often just a few centimeters more insulation or better thermal conductivity class is needed.
Perhaps additionally insulation under the floor slab.
Normally, this should be doable with a few hundred or a few thousand.

Then I don’t understand the problem. If it is only a few hundred or a few thousand euros (so maybe about €5,000), why is the loss of funding so terrible? For most forum members, it’s about several tens of thousands of euros. That’s no small matter, especially since construction costs have also risen recently and from October, the higher minimum wage will apply.
Fortunately, we did not get involved in this matter from the start. My motto is: what I don’t understand and cannot be made understandable to me must unquestionably (!) work or be omitted. Exceptions are life-saving operations. ;-)

Why anyone would build a new house without photovoltaics, controlled residential ventilation, and a heat pump, I just don’t understand...

Regarding controlled residential ventilation and heat pumps, I can answer from my personal point of view: controlled residential ventilation --> huge system in the utility room, disturbing noises, drafts, air too dry which then has to be humidified...; photovoltaics --> we have prepared it and will use it when good storage options are available; --> heat pump too loud and ugly and consumes a lot of electricity. Maybe all these disadvantages can be offset with a lot of money, but we don’t have that.

Because it drives the absolute costs up. At some point, the credit limit for a given income is reached. What use is a photovoltaic system that yields "profit" after 10 years if I can no longer get the loan today? I also don't understand why anyone would build a house without a basement.

After 10 years, with equity of 10-20%, there would be a decent return, nevertheless, for many, there is simply a limit to what is feasible. Or you just skip the energy consultant again, every smallest thermal bridge calculation, and an energetic guesswork and ventilate manually twice a day. Photovoltaics (no storage) is worthwhile, however – subsidies aside – more than ever at the moment. I was still allowed to insulate myself, install the heating, etc., with my KfW subsidy. That of course kept the costs down, but that was no longer possible recently and had to be done by a specialist company.

In my opinion, with an approved grant/loan there is definitely a claim - "Pacta sunt servanda" - contracts must be honored.

I just read the grant notices for other, earlier projects (not mine, but from August), as well as the general terms and conditions (AGB) of the KfW that are attached to my loan agreement - where does it say anything about "non-binding" and "no entitlement"?

First of all: I do not want to upset anyone, but at least in the grant confirmation it states: 5. Further provisions These contract conditions are supplemented by the following documents: Information leaflet "BEG Residential Buildings - Grant" version 10/21 General Terms and Conditions (AGB) for grant products version 07/21. These documents are part of the grant contract and are therefore legally binding for your grant. Please read them carefully.

Excerpt from the information leaflet: Legal entitlement (compare section 7.4 "Availability of budget funds" in the BEG WG guidelines) There is basically no entitlement to funding. The KfW decides based on due discretion within the framework of available funds. Status: 10/2021 (valid from 21.10.2021) • Order number: 600 000 4858

The 25k I mentioned is only for quote offer: "Additional investment in the building envelope, wall, windows, base plate, roof"

Edit: Sorry - composite thermal insulation is not an option for us. Our offer only uses bricks

Yeah okay, if you’re set on bricks, it just makes it harder for energy efficiency and yourself.
But everyone is free to decide that way. However, I don’t think it’s right to expect funding for that.

However, several construction companies told me that the additional insulation costs 25000!

How come?
How are the costs supposed to be composed?

Because it drives the absolute costs up. At some point, the credit limit for a given income is reached. What use is a photovoltaic system that yields "profit" after 10 years if I can no longer get the loan today?

Here I wonder whether you can even afford the build.
A 10-year payback investment is something every bank would finance without discussion?!

I also don’t understand why someone builds a house without a basement.

What speaks in favor of digging yourself into the ground with tons of concrete?
But here too, everyone as they please, but please no subsidies here either. ;)

Then I don’t understand the problem. If it’s only a few hundred or thousand euros (so maybe about €5,000), why is the loss of the subsidy so bad?

Because many now only see the loss of the subsidy. That’s exactly the case.

Regarding controlled residential ventilation and heat pump, I can answer you from my personal perspective: controlled residential ventilation --> huge system in the utility room, annoying noises, drafts, air too dry which then has to be humidified …; photovoltaic system --> we have prepared and will use it if there are good storage options; --> heat pump too loud and ugly. Maybe all these disadvantages can be offset by a lot of money, but we don’t have that.

Solutions:
Huge system: there are also quite flat ceiling devices
Noises: if done well, minimal (a gas heating system of acquaintances is louder from the blower than the controlled residential ventilation)
Drafts: I have not experienced yet
Dry air: enthalpy heat exchanger
Photovoltaic: storage not necessary
Heat pump loud: good air-water heat pump or ground or brine collectors (trench, borehole, ...) don’t make more noise than a gas heating
Heat pump ugly: cover air-water heat pump or use ground or brine collectors

I have now looked at the contract more closely. On the one hand, I signed on Thursday and did not receive the contract, but only received the application as a copy. Until January 14th, it was not certain whether Commerzbank would sign the contract because they had to inquire about how it works with the purchase contract since it is subject to the WEG (a property is purchased by 2 partners and then two semi-detached houses are built on it). After that was clear, I had my appointment on Thursday (January 20th). There I signed the loan, which is based on the 360k Commerzbank and 160k KFW and an installment loan. The advisor told me that I would receive the loan confirmation by mail next week. Today he called and said he had submitted the loan application and grant, which has not yet been approved and probably will not be approved, and that we would have the option to withdraw from the contract. I already received the confirmation of the application (BZA) for KFW in November and handed it to the bank advisor signed in December.

I still don't understand what you signed and when? What is "signed the loan"? One cannot sign a loan, only a contract. And a contract requires two signatures, bank and customer. Once again the question: What did you sign and what do you have with which signatures? I just don't understand what you are writing.