New funding for family home ownership

According to the funding conditions, the average is calculated.

Thank you, now I have seen it too. Unfortunately, parental allowance is also taken into account in the taxable income, right?

Thank you, now I have seen it too. Unfortunately, parental allowance is also taken into account in the taxable income, right?

No. The taxable income is explicitly stated on your income tax assessment notice. The parental allowance is only subject to the progression proviso according to § 32b Income Tax Act, which means that you pay a higher tax rate on your taxable income than you actually would have to pay according to your taxable income. Here, the parental allowance is added to the taxable income and the resulting percentage is then applied to the taxable income.

Can the sustainability requirements for the KFW300 loan actually only be met with timber frame construction, or is it generally also possible with solid construction?

Is it actually only possible to meet the sustainability requirements for the KFW300 loan with timber frame construction, or is it basically also possible with solid construction?

Do you mean the small or the large component?

Attention! Currently not all banks finance the KfW components (both 297/298 and 300)! It’s best to check with your trusted bank beforehand whether they even offer it. The fact that this might not be the case caught me a bit off guard last week... :(

Do you mean the small or the large component?

Attention! Currently, not all banks finance the KfW components (both 297/298 and 300)! It’s best to check with the bank beforehand...

Both. I have looked at the technical minimum requirements, but unfortunately I can’t make any sense of all the values at all :-/

The note about the banks is interesting, thanks!

Both. I looked at the technical minimum requirements, but unfortunately I can’t make any sense of all the values :-/

The hint about the banks is interesting, thanks!

How far along are you with the planning for your house? Do you already have something together that would make an appointment with the energy consultant worthwhile? We recently received all the calculations – without being a professional, I think it’s not possible to work through it all…

For the small module 300 or 297, the requirements are significantly lower. Well-known providers like Viebrockhaus also offer the KfW modules, so it’s possible even with solid masonry – if you plan everything yourself, though, it could be difficult because you have to calculate all the building materials in terms of their properties. I once read that basements are not possible due to the high amount of concrete and you can no longer "beautify the numbers." An eco-concrete might be an alternative there. With your choice of construction company, I would definitely make sure that they are familiar with this, so you don’t end up missing the subsidy because the values were not met…

I already wrote higher up the memorable sentence from my energy consultant: only apply for the big module with turnkey construction without EL if the values can actually be achieved, since “the wrong silicone” can ruin the subsequent air measurement.