KfW funding for 2-3 residential units possible despite self-use?

Hello everyone,

we intend to build a house with several residential units. However, we want to live in the house ourselves initially but plan it in such a way that theoretically it can be made into 2 or 3 residential units. According to the KfW, the residential units must be separated from each other, the bathrooms already installed, and the connections for the kitchen provided. For example, is it absolutely necessary to install a proper apartment entrance door for each residential unit, or is it sufficient that the plan theoretically allows for subsequent construction, so that several separate residential units can be created easily afterwards?

Does anyone have experience with a similar project? What should be considered?

Many thanks

As far as I know, they must be finished apartments. So with their own technology, WC/bathroom, kitchen and apartment entrance door.

Anything else would also be subsidy fraud if you apply for funding for three apartments but actually build a single-family house that could be converted. Eventually. Somehow. Maybe. Or not.

P.S. If everything is finished, as far as I know, you are allowed to carry out a dismantling.

You definitely need individually completed residential units. These must also be fully realized during construction. Otherwise, you will not find an energy expert who will sign off on it for you.

The KfW leaflet states that if a residential unit is sold within 10 years, a pro-rata repayment is required. I would assume that this also applies in the case that the residential unit is dissolved in favor of a consolidation.

The KfW promotes residential construction. Per apartment.
And not what one later makes out of a single-family house. A single-family house = ONE apartment

To my knowledge, a bathroom must be available, a separate unit also = private access, but the kitchen only needs to be prepared for connection.

Thank you very much for your answers. I asked KfW again more precisely: It is as suspected: Own access, facility for kitchen as well as a separate unit. Dismantling is then permitted. That means, conversely, that as long as you live in the house yourself, you remove the doors again and then can reinstall them when renting or selling.