New funding for family home ownership

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

Great. I knew about the progression proviso, so I thought that’s why the parental allowance somehow counts even though it is not taxed. That actually makes the whole thing more interesting again. I was recently at a model house park and I think someone from Massivhaus Mittelrhein GmbH said that this would be possible.

I am not really far along yet. We have just chosen our plot of land and are waiting for the notary appointment.

In the meantime, I am trying to familiarize myself with the subject enough so that we have a rough idea of what might be possible. Financially, we are doing quite well, but we do not want to build overly large or luxurious. At least I don't want to give away the small KFW300 component. When the land actually belongs to us, we will probably hire an architect. I just don't really know how to go about choosing an architect. What criteria should be applied here? I haven’t really been able to make sense of it either from this forum or from 11ants Hausbaufahrplan. : Thank you very much for the many infos on your page. They help to get at least a bit of clarity.

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

I have to first ask (after the vacation, starting Tuesday) how familiar "my" Susanne already is with KfW300. Basically, it is a romantic misconception that a "wood" house is so much more eco-sustainable than one made of stone. But likewise, it is actually nonsense to fixate on a "solid" house. For this, also read my stone mantra among others (see keyword on the page).

If the plot actually belongs to us then, we will probably hire an architect. I just don’t really know yet how we should proceed when selecting an architect. What criteria should be applied here? I didn’t get very much clarity either from the forum here or from 11ants house building plan. @11ant: Many thanks for the many infos on your page. They help to get at least a bit of clarity.

The house building plan is a five-part series even without the architect search being included. But you are welcome to make use of the free contact options within the framework of the "getting smarter" guarantee. A small collection of tips for filtering out suitable architect candidates can be found in this forum via the forum search for posts in which I mention . He is practically our patron saint here against (especially with regard to cost discipline) poorly capable architects ;-)

I have to first ask (after the vacation, from Tuesday) how far "my" Susanne is already familiar with KfW300. Basically, it is a romantic misconception that a "wood" house is so much more eco-bio-sustainable than one made of stone. But just as much, it is actually nonsense to fixate on a "solid" house. Also read, among other things, my stone mantra (see keyword on the page). The house construction schedule is a five-part plan even without including the architect search. But you are welcome to make use of the free contact options within the framework of the smart learning guarantee. A small collection of tips on how to sift suitable candidates from architects can be found in this forum by searching for posts in which I mention . He is practically our patron saint here against (especially regarding cost discipline) insufficiently capable architects ;-)

Thanks for the tip, I'll look for it right away.

Thank you for the tip, I'll look for it right away.

Report on your success :) The way through the admittedly somewhat stubborn forum search function should be to search for the term: " " with the option written by: "11ant". I just remembered that "dough resting" would also be a search term that should lead to the related posts of mine here (and I believe also in the Green forum). By the way, I have already mentioned you in a comment on part 5 ;-)

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 in advance with your trusted bank whether they actually do it. That it might not be the case caught me off guard a bit last week.

Oh, that would really be a bummer. But KfW loan apobank seems to do it? I'll ask in the next few days.