KfW loan + repayment grant for granny flat

I looked it up yesterday because you said the conditions were no longer so rewarding, when did the increases happen? They have risen sharply :/

Since the beginning of the year, it has been getting worse and worse. Around April, we had a "Bankenrunde," which was more or less balanced. At the latest since summer, they have been far away from market conditions, in our case.

We were really lucky and did everything right to finish last year, even though we sometimes thought damn, because we couldn't start building that quickly.

I am still happy about 1.5% for 20 years

Signed the financing in November 2016 - it was a great time

I'll just bring up the old thread.

Just to be sure again.

If you build a house as follows:
- Ground floor entrance area with stairs going up.
- To the rest of the ground floor a lockable (apartment) door
- Upper floor a room directly accessible (storage room)
- To the rest of the rooms on the upper floor a lockable (apartment) door
- In the upper apartment a bathroom as well as connections for a kitchen in one room
- Upper apartment about 49 sqm
- No separate meters for the secondary apartment, because if at all it should be rented out including utilities.

Can I then apply for two residential units KFW40+?

Should work, right? There are two separately accessible apartments. Both have a bathroom and kitchen connections.

I wouldn't want to install the kitchen upstairs yet, since the whole house is initially going to be occupied only by us.
But when the kids move out, it should be possible to rent out the separate apartment upstairs accordingly. Since it’s just a small apartment, we would rent it including utilities such as electricity, water, heating, and thus forgo separate meters.
I would then simply take down the lockable apartment doors as long as the whole house is only occupied by us.

Does that work like this, or am I missing something?

Regards
Specki

I would not want to install the kitchen upstairs yet, since the whole house is initially only going to be inhabited by us.

And thus, it is not two separate residential units, but only a single-family house, which can later be divided into two residential units can. However, there is no subsidy for the latter. As far as I know, the granny flat must not only be built as such later, but already as such, and must also exist if state funds are to be granted for it. The granny flat must therefore already be recognized when the building application or approval is made if the subsidies are also to be paid out.