KfW funding, how to determine if you will receive one?

Publicly funded renovation measures cannot be deducted from taxes (as craftsman services).

An energy consultant would be useful, as only they can calculate exactly which measures would be necessary to reach, for example, the KfW 100 standard (which we did). Individual measures are unfavorable because stricter limits must be met. For a KfW renovation loan for a KfW 100 house (as an example, for old buildings I believe KfW 110 or so is also possible, at least it was back then) it is different: if you perform worse in one area, you can make improvements in another. For example, if due to a missing roof overhang insulation cannot be done with the required thickness, you simply take better windows than required and the overall value balances out again. Individual measures must also, as far as I remember, be carried out by professional companies and you need an official confirmation from the company for each individual measure. With the overall standard, you can also do everything yourself and do NOT need such confirmation for every p***.

You need the energy consultant anyway, as only they can submit the application and issue the corresponding confirmations for the application/at completion. For me, everything together cost about 200 euros, absolutely not a representative value, as our energy consultant practically did it as a hobby on the side.

The paperwork effort, collecting the documents, is enormous. There is time pressure (everything must be completed within 3 years). The costs for the energy consultant can be subsidized.

Publicly funded renovation measures cannot be deducted from taxes (as craft services).

You are absolutely right. I was rather referring to insurances and building materials that you buy yourself. There are surprisingly many things that could be deducted but are rarely done, so a tax advisor is quite useful (even better if you already know one). An appointment with that very person doesn't hurt, even if it might not bring anything :).

As a question: Deducting building materials that you buy yourself, that would only be possible with rental properties, right? For owner-occupied houses, only craftsmen services can be deducted? Or building materials in the [häuslichen Arbeitszimmer]? That would interest me.

As a question: Deducting building materials that you buy yourself, that would only be for rental properties, right? For a self-occupied house, only craftsman services can be deducted? Or rather, building materials can still be deducted for the home office. That would interest me.

If building materials are purchased for the owner-occupied home, no. However, if you have a granny flat in your owner-occupied home, that falls under rental, so you can claim more for tax purposes there. Regarding claiming craftsman services for tax, I found a page for you where you can quickly get more information.

thank you very much!

The house to be renovated was built in 1972, the windows (are as old as the house) are to be replaced, the oil heating system is to be removed and something installed that does not require oil.

If still relevant:

Window requirement of KfW for program 130/131 (loan with repayment subsidy or subsidy only, usually 10% of the costs):
Uw-value for the entire window <0.95 W/m²K (standard size, every manufacturer has a certification for it if it fits), you usually achieve this with triple glazing and warm edge spacer and 70mm profile – more is of course also possible.

Heating: replace oil device with gas condensing boiler as an individual measure (10% subsidy) or in combination with window replacement as a heating package (15% subsidy on all measures, additional calculation work necessary by the sanitary installer)
Also ancillary costs such as new radiators, underfloor heating, supply lines, domestic hot water lines are taken into account.

Additionally, solar thermal energy for hot water and heating support with more than 7m² collector area can be subsidized by BAFA with €2000 + €500 boiler replacement bonus because you are replacing the heating system at the same time.

Attic ceiling insulation or sloping roof insulation is also subsidized, but only limited as own work since only material costs can be claimed. For awarding, take U-values from the technical guidelines of KfW.

Search for regional funding programs at the state bank or research municipal offers!

Pay attention to the combination possibilities of subsidies: e.g., BAFA requires that the total funding for the subsidized measure must not be more than twice as high as the BAFA funding. For heating with solar thermal, you must therefore not receive more than €2500 from other sources in addition to BAFA funding.

Always submit applications for subsidies BEFORE IMPLEMENTATION / ASSIGNMENT!