Kfw40, funding program 300 "low-income earners"

So thicker masonry, different windows, better roof insulation.

In other words: widespread violation of the 11ant Steinemantra :-(

We have negotiated the additional costs from single-family house 55 to 40 with a surcharge of €20,000. So thicker masonry, different windows, better roof insulation. Additionally, there is the photovoltaic system and the energy consultant. This is already fixed at €5,325. This includes all calculations, as we already have all of them available, and the blower door test is included as well. We have also already received the commitment from the KfW. Today, the contract was signed with the general contractor.

(...)
Income and expenditure totals:

[*]Total income 3860
[*]Total expenses 1899.6
[*]Balance 1961
[*]of which cold rent total 450
(...)

Naive, sorry. I’m reading about a child who will soon be 1 year old. And then [drugstore] 40 EUR/month for the whole family? A large pack of Pampers already easily costs 20 EUR. Clothing 20 EUR/month? You can get a pair of shoes for the child, that’s it. The costs for the cars only consist of insurance, taxes, and fuel. No reserves for new cars, no repairs, no maintenance, no new tires. You want to drive your two cars cheaper than I do my company car all inclusive ;) absolutely unrealistic... Food 500 EUR/month? For 3 people? That is only slightly above what is provided for food in ALGII. I therefore don’t believe it. Your "cold rent" increases from 450 to 1,250 EUR. That’s the installment. Your additional costs rise from 100 EUR (extremely cheap, is that including heating?) to easily 300 EUR. Nothing is left, you have to live off the capital then. Such a thing works for a few years, but not for 20, 30 years... but that’s how long the financing runs. And children don’t get cheaper as they grow up...

Means?

...and the central ventilation system is included in the 20,000 as well