KfW Funding Climate-Friendly Residential Building from March 2023

Great, so it doesn’t even take more than a child conceived out of boredom during short-time work followed by parental leave to perhaps have had so little income to benefit from the subsidy. Ultimately, these families probably do not rely on it, since the income dip was absolutely temporary...

It’s not even that unrealistic. Why is the combination with NRW.Bank loans being swept under the rug? Here, more than 250k plus repayment subsidy at a good interest rate is possible for families who even today do not have a very high income. Ok, the deal is quite “local,” I admit that.

Because NRW.Bank has similar gross income requirements.

The family program, as stated, only reaches people who already have a substantial inheritance saved up. The 60,000 taxable income is already including 1 child.

And parental allowance is included in the progression, i.e. it is counted toward the taxable income.

Because NRW.Bank has similar gross income requirements.

With about 90 gross income and two children, you are in income group B. Parental allowance is not included at NRW.Bank because it is a wage replacement benefit.

Has anyone already read (I hope I haven't overlooked it?) whether one can also claim the "Baukindergeld" and additionally the regular KfW 40NH loan? We fall under the 60k zvE in 20/21 due to part-time work and short-time work and wanted to build 40NH anyway... Can anyone estimate if there is still money left in the funds for 40NH+NH/QNG until the start? Have there been any reports on how high the demand is? Then we would go full throttle now to just have to hit send at the start... With interest rates around 4%, this would be such a chance to be able to build at all for us - the limit of feasibility was at 3.5% interest - and currently it is rather not foreseeable that it will return there...

Has anyone already read (I hope I haven't overlooked it?) whether you can also use the "Baukindergeld" and additionally the normal KfW 40NH loan? Because due to part-time work and short-time work, we fall under the 60k taxable income in 20/21 and wanted to build 40NH anyway... Can anyone estimate whether there is still anything left in the funds for 40NH+NH/QNG until the start? Have there been any reports on how strong the demand is? Then we would go full throttle now to only have to press send at the start... With interest rates around 4%, this would be such a chance to be able to build at all for us – the feasibility limit was 3.5% interest – and that it will return there again is currently rather unforeseeable...

The combination of loan 300 and 297/298 is unfortunately not possible.

and parental allowance counts toward the progression, i.e. is counted towards the taxable income.

Is that so? All articles I find on the "old" Baukindergeld (criteria were also based on taxable income) claim the opposite.

The combination of loan 300 and 297/298 is unfortunately not possible

Hm... Is that stated somewhere? If that is the case, then the Baukindergeld interest rate couldn’t be higher than the other one, right? Otherwise it would make no sense at all (or am I missing something)? Accordingly, the Baukindergeld funding is only 40k higher than the normal funding? That’s not really attractive... Then it would be a complete failure at the income group level, since this income with the additional costs due to 40NH hardly has a chance at these interest rates? After all, we’re talking about a 40NH new build – under 500-600k for a family-appropriate size (140sqm × 3,500 = 490k plus land plus additional costs etc.) – even with 20% equity, that’s hardly manageable. Maybe still with 3% interest for the rest – but definitely not at 4% and up... It’s almost impossible without an inheritance. Because own contribution with a family is also rather not feasible :( Or am I having a complete misunderstanding here?