KfW loan is expected to become cheaper from 01.07.

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

Anyone who does not use the grant option is directly at a disadvantage compared to another home builder. You have to take the subsidies to avoid a disadvantage. So the subsidy is not an advantage either, as it is already factored in.

That also sounds great, “negative effective interest rate” and “free money for extras.” In reality, however, the construction is at least this much more expensive. Subsidies in general are mostly nonsense and fizzle out; costs are just taxpayer money. This particularly applies to permanent subsidies because the supply side already factors these in.

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

If I understand correctly: At the end of 2020, I applied as a precaution for a BAFA subsidy for the installation of an air-to-air heat pump. The subsidy notice is available. I could claim this subsidy and additionally use the KfW grant option for my planned KfW-55 house (without NH label)?