KfW loan + repayment grant for granny flat

Does it work like this, or am I making a mistake somewhere?

We are planning something similar. Possibly interesting for you if you want/can rent out directly: Sonderabschreibung für den Mietwohnungsneubau (§ 7b Einkommensteuergesetz)

And thus, it is not 2 residential units, but only a single-family house, which can later be divided into two residential units can

That’s the question, and I’m not quite sure.
If I wanted to rent it out from the start, then I wouldn’t necessarily have to install a kitchen but could have the tenant do that. But if he doesn’t need a kitchen and just puts a countertop with an electric oven there, it would still be two residential units.
So I wonder, does a kitchen actually have to be installed, or is it enough if the connections for it are available.

Just so nobody misunderstands me here. They are supposed to be two separate residential units, because later they might be rented out. But we would use the house for about the next 15-20 years, as long as the kids are still here, basically as a single-family house. Now I’m simply wondering if it would be eligible for funding or not.

Thanks, I’ll take a look at it.

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

once again, because you misunderstood me. It’s not about kitchen furnishings, quite right. It’s about the usage. If you first operate it as a single residential unit, then it is only one residential unit! What you plan for later is not relevant for the KfW matter.

It's about the usage.

No, that's not what it's about.

So, I just called KFW.
After a brief explanation, I was immediately connected to a specialist who knows exactly about this.
It doesn't matter at all whether there is a kitchen installed or whether we ourselves live in the entire house.
In the building application and in all documents, there simply have to be two separate residential units. The expert (energy efficiency consultant) must certify that there are two residential units.
This includes: separate entrance, bathroom, connections for the kitchen.
And, of course, all other framework conditions that are (legally) necessary for two residential units must be met.
Off the top of my head, for example, the number of parking spaces, which I have to prove, otherwise the municipality won't let me build a house with two residential units, etc.

So, now I know more, maybe some others too, because it interests them

Regards
Specki

In the building application and in all documents, there simply have to be two separate residential units. The expert (energy efficiency consultant) must certify that there are two residential units.

The granny flat must therefore already be recognized in the building application or approval if the subsidies are also to be paid out.

That's what I wrote. However, it read differently to me in your case.

hm… so, each residential unit must be such a unit. Kitchen, bathroom, soundproofing, fire protection, access, parking, lighting, ceiling heights... You indicate in the building application that you are building two residential units (single-family house with a granny flat), and they verify all of that.

What does the KFW say? :
"Residential units are rooms located in a closed context and intended for permanent residential purposes in residential buildings, which enable the running of a household (own lockable entrance, room, kitchen/kitchenette, and bathroom/WC)."

Funding objective
"The funding product serves the low-interest long-term credit financing of the construction or initial purchase of KfW efficiency houses with low energy consumption and carbon dioxide emissions. It helps to achieve the energy policy goals of the federal government, in particular a nearly climate-neutral building stock, by the year 2050."

So this is not about funding the creation of living space or potential living space. Rather, it is about fulfilling the climate goals by 2050.

From personal experience:

We filled out the KfW application with two residential units, submitted the construction documents, the approval, etc., the BHW checked and forwarded it, and we were then approved for two KFW 153 loans, one for each residential unit.

Our energy consultant then submitted the overall documents for the house and, upon completion, issued a certificate for 2 KFW40+ residential units. (Fun fact: the installation of the photovoltaic system was never checked by anyone.)

We then applied for the payout from the KFW and sent the document from the energy consultant. Shortly thereafter, KFW paid 15k per loan to the BHW.

A rental contract, a letter of intent, or anything like that was never required.

I suspect: it is economic nonsense to build a rental apartment and not rent it out. And the number of KFW40+ builders with single-family houses with granny flats will be so ridiculously low that KFW sees no need for action. But, see the formerly possible and now canceled option of full repayment. Maybe something will come up there someday. At the moment, in my opinion, it is neither necessary nor required to rent out the residential unit. Legal certainty can be provided by a lawyer.

Whereas with a tax deduction, renting out is indeed necessary, or at least efforts must have been made.