Häuserlbauer
2014-12-02 12:34:39
- #1
Hello everyone, the planning of our construction project is almost complete and we want to start next year, at the latest by early April. Before Christmas, I want to talk to banks about financing.
Our architect was/is commissioned up to the approval planning, i.e. I, as an engineer (have very good contacts in the construction industry), will take over the construction management/supervision myself.
Our house is planned so that there is a granny flat with a light well in the basement (room with bathroom and kitchenette) - a total of about 40 sqm. This granny flat can be reached via the basement stairs, directly after the (main) front door. Furthermore, directly after the (main) front door, there is another (small) entrance door into the house (our apartment, from there you also go to the upper floor). So when you enter the house, you stand in front of the entrance door to the main apartment, and to the right you go down the basement stairs where the granny flat is (lockable). The stairs to the upper floor are located after the entrance door to the "apartment".
Granny flat and "house" are therefore separated by the basement stairs, individually lockable and directly accessible through the front door - according to the architect, this is correct and okay!?
I have 2 questions: 1. If I apply for KfW 153 for 2 residential units, do I then get 50,000 € per residential unit, so a total of 100,000 € flat rate? Or is it the case that I get 50,000 € for the house (the large residential unit) and only a proportional amount for the small granny flat? - We can definitely use the money, since the construction costs about 400,000 € and we need about half in credit.
2. It was actually supposed to be a KfW 55 house. At first glance, this is worthwhile because of the repayment bonus (which also depends on the loan amount). On closer inspection, it seems that the energy consultant must accompany the construction, which causes additional costs. So is it NOT PERHAPS more sensible or at least worth considering to only take advantage of KfW 70, even though theoretically it is even KfW 55...?
I would be very grateful for experiences regarding KfW / 2 residential units (granny flat) and the associated costs and requirements.
Best regards!
Our architect was/is commissioned up to the approval planning, i.e. I, as an engineer (have very good contacts in the construction industry), will take over the construction management/supervision myself.
Our house is planned so that there is a granny flat with a light well in the basement (room with bathroom and kitchenette) - a total of about 40 sqm. This granny flat can be reached via the basement stairs, directly after the (main) front door. Furthermore, directly after the (main) front door, there is another (small) entrance door into the house (our apartment, from there you also go to the upper floor). So when you enter the house, you stand in front of the entrance door to the main apartment, and to the right you go down the basement stairs where the granny flat is (lockable). The stairs to the upper floor are located after the entrance door to the "apartment".
Granny flat and "house" are therefore separated by the basement stairs, individually lockable and directly accessible through the front door - according to the architect, this is correct and okay!?
I have 2 questions: 1. If I apply for KfW 153 for 2 residential units, do I then get 50,000 € per residential unit, so a total of 100,000 € flat rate? Or is it the case that I get 50,000 € for the house (the large residential unit) and only a proportional amount for the small granny flat? - We can definitely use the money, since the construction costs about 400,000 € and we need about half in credit.
2. It was actually supposed to be a KfW 55 house. At first glance, this is worthwhile because of the repayment bonus (which also depends on the loan amount). On closer inspection, it seems that the energy consultant must accompany the construction, which causes additional costs. So is it NOT PERHAPS more sensible or at least worth considering to only take advantage of KfW 70, even though theoretically it is even KfW 55...?
I would be very grateful for experiences regarding KfW / 2 residential units (granny flat) and the associated costs and requirements.
Best regards!