KfW loan is expected to become cheaper from 01.07.

What advantage am I overlooking?

You have to be able/willing to afford the high repayment.

Thank you. I actually could have guessed that. Only the tooltips on the KFW homepage confused me ;)

The high repayment rate must be affordable/wanted.

This corresponds to a monthly annuity of just over 1,000 EUR for a 150,000 EUR loan. Maybe 2% of the builders can afford that, and they don't need a loan anyway...

A longer fixed interest period with attractive conditions would really have been something revolutionary. The KfW has only changed the packaging; the content remains unattractive. This KfW condition design totally misses reality and the actual needs.

The only thing achieved with these "subsidies" or grants is that the amounts are factored into the construction industry's prices and thus have no effect for the builder. One is subsidizing an industry that has been booming for years anyway. Builders who don't take advantage of all the subsidies available are clearly at a disadvantage. Ergo, equal opportunities only exist if you find and grab all the subsidies. Totally nonsensical.

This KfW condition structure totally misses reality and the actual need.

Which bank do you get a negative effective interest rate from? You have to build your financing around this loan. Or now as of 01.07., choose the pure grant option.

Corresponds to a monthly annuity of just over 1,000 EUR for a 150,000 EUR loan. Maybe 2% of the builders can afford that, and they don't need a loan anyway...

A longer fixed interest rate at attractive conditions would really have been something revolutionary. The KfW has only changed the packaging, the content remains unattractive. This KfW structuring of conditions completely misses reality and the needs.

The only thing that is achieved with these "subsidies" or grants is that the amounts are priced into the construction industry and therefore have no effect for the builder. They subsidize an industry that has been booming for years anyway. Builders who do not graze all the subsidies on the big subsidy meadow are clearly at a disadvantage. Ergo, equal opportunities only if you find and grab all subsidies. Totally pointless.

18,000 € grant + the old BAFA I already find very good for us. Plus the energy efficiency consultant at 50%, we are at about 31,000 €. So pretty nice to pay for special repayments or other things like a carport etc.

At which bank do you get a negative effective interest rate? You have to structure your financing around this loan.
Or now, from 01.07., simply choose the pure grant variant.

It's clear. Before 01.07., it was basically even worse because you also had to take on the usually more expensive KfW loan in order to receive the grant.

Those who do not use the grant variant are directly disadvantaged compared to another house builder. You have to take the subsidies to avoid a disadvantage. So, a subsidy is not really an advantage either, as it is already factored in.

€18,000 grant + old BAFA I find really good for us. Plus the energy efficiency consultant with 50%, we are at about €31,000. So quite nice to pay for special repayments or other things like a carport, etc.

That sounds great too, “negative effective interest rate” and “free money for extras.” But in reality, the construction is also at least that much more expensive. Subsidies in general are mostly nonsense and fizzle out; costs are just taxpayer money. This applies especially to long-term subsidies, as the supply side already factors these in.

I am sure: If there were no government subsidies, construction costs would also be correspondingly lower.