dimba234
2023-08-18 22:56:43
- #1
correct KfW300 is approved quickly. For that, you only need to present the confirmation from your energy consultant to the financing bank.You are now talking about the NRW loan and not about KfW 297/298/300 - right?
New funding for family home ownership
- Erstellt am 2023-06-01 16:47:41
-LotteS-
2023-08-18 23:05:35
- #2
correct KfW300 goes through quickly. For that, you only need to present the confirmation from your energy consultant to the financing bank.
Yes, we had done that - I was just briefly panicking because we have already done the earthworks and the concrete contractor is coming on Wednesday o_O
So are we then at KfW300 application number... 125 or something? :p
By the way, our bank, with which we financed the plot, still doesn’t do the KfW programs - and we actually had to take another bank with an interest surcharge... (Yes, I know, that’s not done - but the circumstances left us no choice...)
dimba234
2023-08-18 23:13:07
- #3
This is what is written at the KfW.
HungrigerHugo
2023-08-18 23:52:31
- #4
Thank you very much for your report! Then I'll follow up there.I don't know and am only passing on what I've been told. My financial advisor also mentioned it.
In our district, there are two ladies who process the applications. Allegedly, the distribution of applications among them is no longer based on quantity but on weight...
And the best is yet to come: To not lose eligibility for funding, you are not allowed to start building after submitting the application until it has been checked whether a verifiable application exists. For us, it took over 8 weeks until the first feedback, and we still don't know if we will get the funding. If the conditions weren't so extremely good, I would have given up this nerve-wracking process a long time ago. Just putting together all the necessary documents cost me several days at the desk...
Mangolicious
2023-08-19 19:06:02
- #5
Gross income for eligibility. Net income for determining the affordability of the burden. Usually, the last 12 months are considered. However, if there are changes in income in the next 12 months, these must also be quantified.
Thank you. How does it work with parental allowance or self-employment? Especially as a freelancer, I have more "gross" income, but also much higher costs due to high precautionary expenses (I pay the employer’s share as well).
Richard-MD
2023-09-05 15:00:46
- #6
Are there any updates here regarding the approval of the kfw 300 loan for the applicants? What if the house does not meet the requirements after all? Of course, the construction company can be contractually bound to meet the EH40 standard, but is that also practically feasible? Is the expected recourse proportionate to the additional expenses incurred for financing? Note: The interest rate for the repayment period > 10 years has been significantly reduced. Best regards Richard