KFW40 or better in solid construction, possible without additional insulation?

Does not pay off even in 60 years...

I don’t quite believe that now, even though I’m not yet that deeply into the topic to be able to prove it to you. If you had said 20 years now, I would probably have agreed with you. And even if: The environment/nature thanks you

apokalok is right, saving from KFW 55 to 40 might save you maybe 50, let’s say 100€ per year. So it never pays off. Other points speak in favor of a well-insulated house and there is nothing wrong with building a Passive or KFW40 or 40+ house. Only that you save money with it you should quickly erase from your mind.

I never said anywhere that I necessarily want to save money with it

Even though I, of course, do value keeping investment costs as low as possible. But not only that.

I never said anywhere that I necessarily want to save money with it

of course you just wrote that you want to build kfw40 because of lower heating costs... Now suddenly you are talking about möglichst niedrigen investment costs, which completely contradicts kfw40/passiv. You should maybe first collect what your actual goals are.

Yes, Lumpi, you are right.
Low heating costs over the next 60 years. I hope to be allowed to live in the house for that long. And then maybe for children or others as well.
I have somewhat equated low heating costs with lower energy consumption, which basically benefits the environment.

Where exactly I will settle on this, I don’t know yet. I suppose I can only say when it really comes down to the execution planning stage.
So whether, for example, the last €5000 additional cost will be worth an estimated monthly saving of €10 to me. I just can’t quantify all that finally right now.

Basically, it’s about whether it’s even possible to achieve such a low energy standard with a solid construction without additional insulation and whether that is even within a reasonable range.
Obviously not!

So the next thought now is:
Solid construction with a ventilated curtain façade or wood frame.
And now it is a matter of weighing the pros and cons here and roughly comparing the costs in the first step.

As I said, where exactly I will settle regarding insulation thickness and investment costs cannot be explained at all right now, as there are still too many variables involved.
Once the rough framework (construction method etc.) is set, I can start calculating how much additional investment I consider reasonable regarding future savings.

Hope that is a bit clearer now

Regards
Specki