Newly built single-family house - gas or air heat pump + photovoltaics + storage?

@motorsilke ... for example, my energy consultant told me that with KFW 55 EE with 42 cm brick and triple glazing, 1. no insulation and 2. no blower test is needed.

... Construction will start from Q1 '22 (I hope), since it is a well-known family business and I "actually" am not in a hurry, I leave it up to the shell construction company when they pour the floor slab and start building the walls. This also settles the other questions - individual contracting, solid construction with T8 or T9 42.5 cm (according to energy consultant + triple glazing + heat pump + photovoltaics that is sufficient for KfW 55 EE).

when are you building (approximately which quarter), with whom (general contractor or individual contracting) and what (solid or timber frame)?

It is currently not ruled out that the new government will launch some immediate program that directly affects you. There are things that must be determined during the planning phase, but there are also things (e.g. sizing of photovoltaics, possibly storage) that can be defined during construction depending on the respective current subsidy programs.

A good energy consultant is much more than just a number cruncher for the building permit and KfW, and can especially help with optimizing construction methods, building services, and subsidy topics. I would try to get a committed consultant and involve them from the very beginning.

Here in the region? No chance. Here you can choose between those who do the service by the book expensively and cheaply.

From my point of view, a good idea. Please keep us updated. I’m particularly interested because among other reasons, we chose our property so that no heat pumps are installed in the neighborhood.

Today we canceled the gas connection with the utility company and commissioned the air-to-water heat pump.

But that’s not really relevant. Either you comply with the required distances or you don’t. How the neighbor feels about it is legally irrelevant. I’m also disturbed by all the cars on the street. Obviously, (almost) all of them comply with the valid regulations, which are obviously WAY too lax and far from what is technically possible for new vehicles. Can I have the street closed because of that?

That may be true, but good neighborliness is very important to me. Our neighbor was not very enthusiastic about the prospect of an air-to-water heat pump. But he is a pragmatic and nice guy and said he can’t forbid us and will just close the window if it gets too noisy.

But I hope it won’t rattle and hum much.

These devices are now so quiet you hardly hear them anymore. We just had one installed. We were advised against installing it at the bedroom, but it absolutely wouldn’t have disturbed us. Much more disturbing (for us) is the cold airflow coming out of it.

That sounds good! Last weekend we took a walk through a new housing development in the neighboring town and listened to heat pumps. Some were really quiet, but one air-to-water heat pump (probably running at full power) made quite a noise. But now we hope for the best and that our model is reasonably quiet and our neighbor comes to terms with it.

good decision, congratulations! I hope you were able to rein in the general contractor a bit regarding the hefty surcharges. Regarding the noise, there might be the possibility later on, if needed, to use "soundproofing plants" (e.g., thuja). Otherwise, when planning and installing, make sure to have a sufficiently sized foundation and acoustic decoupling of the outdoor unit.

I find it interesting again what is being written here. And you can see, there is the faction gas or heat pump. And neither of the two is right or wrong. You have to choose the right one for yourself. We were also on the gas trip at the beginning. From an economic point of view, I see hardly any disadvantages here. However, we decided on a geothermal heat pump with deep drilling. Together with ventilation with heat recovery, underfloor heating, etc., we are building according to KfW 55 EE. Ultimately, we want to be self-sufficient, do something for the green thumb, and not deal with speculation regarding gas. Together with photovoltaic, we are well prepared for the future. Someone wrote here whether KfW would be worthwhile? We say yes. We do not take the KfW funding, but the grant that we receive directly transferred to our account. Thus, we deduct this amount from the loan amount and save monthly. And together with the IBSH interest rate, this is a cheaper combo than if we had gone with the KfW funding.

...We are not taking the KfW funding, but rather the grant which is directly transferred to our account. Therefore, we deduct this amount from the loan sum and save monthly...

Given the current interest rate situation and because my local bank also offered me a similar interest rate but with a fixed rate for 25 years, I would want to do exactly the same. BUT and this is exactly what I actually wanted to get at with my question, is it worth it in relation to the administrative effort. Because even here I really hear 50/50 stories, some (especially banks, EB, and companies) say no problem at all, just one or two forms and presto, done. The others (friends and acquaintances who have already built) say never again, because their EB gave wrong information and the effort (especially during the intensive construction phase) cost time AND nerves that you can simply save.

I have to quickly add another post now because this is bothering me and I keep thinking to myself, I’m not stupid.
This can’t be so unclear, others have managed it too. My EB wrote me the following procedure again today, which was actually already clear to me....

1. Complete the plan
2. EB checks whether KfW 55 EE is achieved and if so -> carries out an online confirmation from KfW
3. My decision whether loan + grant or only grant (NEW) -> grant of €26,250 is paid out immediately
4. Register on the KfW page in program 461 -> online confirmation from KfW -> confirmation for the application (BZA) number is generated
5. Specialist companies must carry out crucial parts of the construction (foundation slab, shell, roof, windows, front door, screed, chimney) with invoice.
6. Own work is not subsidized
7. Planning and statics, bathroom fixtures, kitchen are not subsidized
8. When everything is finished, the EB comes again, looks at everything (whatever is still visible then), takes the receipts and checks them and then
9. At the end there is an online confirmation from KfW and a BnD number -> is entered in the online portal.

Have I outlined this correctly now?
Or have I understood correctly that it does NOT matter what the SUM of the individual trades costs but only that they were carried out in compliance?
I’m going to exaggerate now. If I put up a shell for €100,000, roof €10,000, windows €5,000, etc. etc. and in the end only come to a construction sum of €300,000 is that also okay???
What matters is that...

1. Photovoltaics + heat pump + 42 cm brick + triple glazing are present AND
2. All these trades + the building envelope / roof are properly carried out by companies with invoices.

Regards
Flo