New funding for family home ownership

According to the KfW homepage, the changes in loan amounts and income limits for the 300 series apply from 16.10.2023 :)

Is this funding basically a no-brainer for you because of the high interest rate difference, or do you possibly also calculate with different loan amounts? The fixed interest period is only 10 years, with a regular loan you are indeed in the interest rate trap, but you don’t fall even further in 10 years.

Are there any more details about the tax benefits approved yesterday? I haven't found anything useful about it. Do the depreciation options apply to owner-occupied properties as well, or only to rented houses/apartments?

Depreciation for owner-occupiers would be a paradigm shift, and from which profit would you deduct the depreciation? Therefore, it will certainly only apply to rental properties.

I think it's a shame that these people then completely miss out on the funding.

There are other subsidies that do not target families. I think it's okay – I myself had no children at the time of building the house and still received two KfW subsidies. Whether they were really that great in hindsight is another matter.

The aim is specifically to support households with children, among other things. It’s not about the option to have children, but rather the financial burden of families with children is clearly taken into account here.

I just also spoke with KFW on the phone. There is no possibility to consider current income. That means even if we are now and probably for the next 5-6 years below the new limits, we cannot currently apply because 2020 and 2021 are taken into account, when we were still on the left. It's just as "unfair".

I just spoke with KFW as well. There is no way to consider current income. So even if we are currently and likely for the next 5-6 years under the new limits, we cannot apply right now because 2020 and 2021 are taken into account, when we were still dinks. That's just as "unfair".

Well, "unfair"... the idea is to prevent a high earner from quitting or taking a break in the application year, causing income to drop from 140,000 to 70,000, getting the subsidy and then earning 140,000 again the next year... The most effective way to prevent this is by considering years in which the subsidy didn't exist yet, so nobody could have thought of cheating...