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

You have zero point zero chances of success. The KfW's procedure is legally correct.

But in case of a rejection, one could at least formally file an objection and hope that someone else goes through all instances and wins the case. However, the chances of success are extremely low. And Habeck is much too popular in the press for there to be widespread agitation against him. It would have looked different with Altmaier.

At the risk of making myself very unpopular now: I find the fundamental decision very correct and reasonable.
Mind you: not the abruptness, that is of course more than unfair for the individual and their planning – although normally obligations are only entered into once the financing is secured, so in the worst case it will not cost anyone their existence, "only" their dream.

But honestly, and setting personal involvement aside:
Billions were simply handed out to people who already have plenty of money. Optimal efficiency was promoted for houses that are already very efficient. Yes – even simple Energy Saving Ordinance houses are top-class by comparison. Whether a 40EE is built or an Energy Saving Ordinance house – the difference for the climate is quite small. And whether you get 50k on top of a 500k loan is a nice little bonus for the individual. Nothing more.

Who really needs the money? For hundreds of thousands of uninsulated old buildings where low- and middle-income earners are melting snow from the roof with gas, oil, and even coal heating?

The money is needed where the owners cannot otherwise afford energy-efficient renovation – even if it’s just some insulation on the facade. And that will continue to be supported.

To conclude, here is a quote to illustrate the extreme case. It really makes my blood boil. That is also MY 32k tax money. And my grandma’s. Well then, congratulations.

If mine hadn’t gone through, I would have canceled the purchase
With the 32k, you’d have 120k after interest expiration with normal ETF development

So, those who have a COMMITMENT may please get off the panic train. In my opinion, there is absolutely no question that approved applications will no longer be implemented. It is clear that no new applications will be accepted. It is unclear what will happen to the submitted but not yet approved ones. And unfortunately, that means waiting. However, I would not underestimate the chance that they will still be approved.

If mine weren't already finished, I would have called off the purchase With 32k you get 120k after interest expiration with a normal development of the ETFs

Should one rely on that given the existing chaos? And what is meant by "normal development"? Let me guess, 8% p.a.? Have you ever calculated what happens if it’s only 4-5%? And taxes come on top? Then not withholding tax, but normal income tax?

Should one rely on that given the existing chaos? And what is supposed to mean by "normal development"? Let me guess, 8% p.a.? Have you calculated what happens if it’s only 4-5%? And taxes on top? Then no more flat tax, but regular income tax?

Stay calm. Even if the ETF doesn't perform, so what? Then it is what it is, but the last decades tell a clear story ;-)

Can someone explain what damage one must expect if they have already signed a loan agreement with the local Sparkasse (three months ago) and now want to get out of it? Is it even possible to get out again?