3. Decision by me whether loan + grant or only grant (NEW) -> Grant of €26,250 is paid out immediately
No, the grant is only given when the house is finished and the EB has given the corresponding confirmation. Regardless of which variant (loan with repayment grant or pure grant). So you always have to finance the entire amount.
4. Register on the KfW website in program 461 -> Online confirmation from KfW -> Confirmation of application (BZA) number is generated
You get the confirmation of application (BZA) number directly from the EB, because with it you go online to the KfW and get
an online confirmation from KfW
5. Specialist companies must carry out crucial parts of the construction (floor slab, shell, roof, windows, front door, screed, chimney) with invoice. 6. Own work is not subsidized 7. Planning and structural engineering, bathroom fittings, kitchen are not subsidized
With building costs of several hundred thousand euros it does not matter, since you only ever get an amount related to €150,000 building costs. This is often already the completed shell. And yes, own work no longer works.
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
You need construction supervision by the EB. So he comes in between and looks at the construction or the installed materials. Of course, he also checks what has been installed based on receipts.
9. In the end there is an online confirmation from KfW and a BnD number -> entered in the online portal.
You get confirmation from the EB and apply with it for the payment of the grant (as repayment grant or cash).
Or did I understand correctly that it is NOT important what SUM the individual trades cost but only that they were executed in compliance? I will now try to exaggerate this. If I build a shell for €100,000, roof €10,000, windows €5,000, etc., etc. and in the end I only come to a building sum of €300,000 is that also irrelevant???
For 55EE a maximum of €150,000 eligible costs are subsidized. So shell + roof + windows + heating + EE etc. As soon as these costs reach €150,000, you get the highest possible subsidy. If you build more expensive than anyone else, there is no more subsidy. For any normal single-family house it is therefore irrelevant how expensive it is, because you should always reach the €150,000.
Important is that ... 1. Photovoltaic + heat pump + 42 cm stone + triple glazing is present AND 2. All these trades + the building envelope / roof are cleanly carried out by companies with receipts.
No. Important is that you achieve KfW 55EE. How you achieve that is irrelevant. And it is important that the work is carried out by specialist companies.
