KfW funding for KfW 40 Plus houses from now and from 01.07.2021

I have already read that today as well. I am just wondering what the applicants who choose the grant option and do not want to use a KfW loan at all are supposed to do? What are they supposed to discuss with their bank? The bank then really has no role in the game. The application for the BEG WG no longer goes through the bank in general but must be applied for online by each individual.

However: For the BEG EM (individual measures), there is already the information sheet on application, since the BEG EM has been in effect since 1.1.21 and applications can be submitted. It is interesting that according to BEG, it also says there that entering into a contract before the approval of funding voids the subsidy (contract conclusion = start of the project). BUT in the information sheet on application (search for beg_merkblatt_allgemein_antragstellung.pdf), it then states under 8.1:
No start of the project is considered to have occurred if a contract is concluded but a clear right of withdrawal is agreed upon in case the requested grant is denied. The withdrawal is equivalent if the contract is concluded with resolutive or suspensive conditions of the approval of the funding.
I now assume that this is the information sheet for BEG WG to be published in April and contains the same passage. That means contracts are concluded as usual and a passage as described above is included and that’s it.
Anything else would not be manageable in practice. Which bank would grant a loan without there being a contract stating what the project costs are or what the house is worth?

The excerpt from the BEG leaflet corresponds to the suspensive condition from our contract, here is the wording which corresponds to a template from the BMWI:

Suspensive Condition of Construction Services / BEG WG Funding Commitment

The contracting parties agree that this contract concerning the obligations to perform construction services for the new building shall only come into effect when KfW grants funding for the new building (suspensive condition). The contracting parties are aware that the funding program "Federal Funding for Efficient Buildings" (BEG) with the sub-program "Federal Funding for Efficient Buildings – Residential Buildings" (BEG WG) will come into effect on July 1, 2021, and will provide funding for the intended new construction project. The contracting parties anticipate funding as [“Effizienzhaus 55” (EH 55)] / [“Effizienzhaus 40” (EH 40)] and, with regard to the use of a heating system that integrates renewable energies, the classification as “EE class” within the meaning of this funding program. The contracting parties therefore expect that after the funding program takes effect, KfW as the state promotional bank implementing the BEG WG will grant the builder a corresponding funding commitment with eligible costs amounting to €150,000 and a funding rate of [17.5%] / [22.5%]. The contracting parties agree that after the BEG WG comes into effect, the builder will submit a corresponding funding application involving an expert and will immediately inform the other contracting party about the receipt of a funding commitment from KfW.

Can someone tell me how it is supposed to proceed with construction with an architect in individual contracting? Are all work plans and tenders allowed to be completed by 1.7.? According to today's information, could contracts possibly even be concluded with suspensive conditions? Although I wonder which craftsman would agree to that. It should then start directly on the construction site in July.

so I would like to apply for the grant without a loan and just spoke with the KfW to see if there is also the possibility to sign the contract beforehand but to wait with the actual construction until 1.7. What is stated there under point 1.20 only applies if you take the loan and the repayment grant; this does not apply to the grant. Then I am allowed to do planning and also the detailed planning but still may not sign a construction or purchase contract before I have received the approval for the grant, which can then be applied for from 1.7. I find that a bit annoying but I guess it will always be somewhat annoying when you get money from the government...

so I would like to apply for the grant without a loan and just spoke with KfW about whether it is possible to conclude the contract beforehand but wait with the construction itself until 1.7. What is stated under point 1.20 only applies if you take the loan and the repayment grant, this does not apply for the grant. Then I am apparently allowed to do planning and also the detailed planning but not sign any construction or purchase contract before I have received the approval for the grant which can then be applied for from 1.7. I find it a bit annoying but it will probably always be a bit annoying when you get money from the state...

Yes, that was similar for us too. We also want to apply for the 461 program and I called the KFW hotline. The statements I received also confused me a bit. After a short discussion with the very friendly lady at the hotline, she asked me to put the question in writing so that it could be answered by the specialist department and not the hotline. That then took a bit of time but after about 4 weeks we have now received the written answer that 1. the funding option expires if the purchase/construction contract is signed before the funding notice. Planning services, e.g. architect, can be commissioned. 2. There is an exception: If the purchase/construction contract contains a suspensive condition according to Building Code §158, which means that the contract only becomes effective if the funding application is positively decided, then contracts may be concluded beforehand. IMPORTANT: In this case, no execution work may be carried out before the application is submitted (at the earliest 01.07.21)! Otherwise, the funding expires again. Conclusion: Anyone who signed the contract without having point 2. in the contract will not receive funding under BEG WG. They must hurry to at least receive funding under the old KFW153 program. This can still be applied for until 30.06.21. Complicated transition phase currently and there will certainly be some people affected. For me it's fine for the time being :).

Yes, something similar happened to us as well. We also want to apply for the 461 program and I called the KFW hotline.

And you only want the grant or are you taking the loan from KfW and then the repayment grant?
That would be quite suspicious. Could you maybe forward me the letter? I'm a bit afraid that if I do it, later they'll say unfortunately you were out of luck, you shouldn't have signed... :oops: