Online confirmation of application (BZA) KfW Program 153

Hello everyone,

I have a question about the 153 program of the KfW.

Our financing of our KfW 55 house consists of 3 components:

1. Annuity loan, 2. KfW153 and 3. KfW124 (2 and 3 through IBSH)

Now the situation is that we already have the approval for the annuity loan but the written confirmations from the KfW are still missing.
The reason for this is probably the still missing online confirmation for the application (BZA) from the expert of our BU. However, he can only fill out the application once the planning of our house is completed, because he has to make certain calculations for the application.

But this is somehow an unfavorable situation, isn’t it? You have to sign with the BU even though you don’t yet have a written approval from the KfW. You only get this once the calculations are completed, which the BU only makes after you have signed.

Is this a normal procedure? Friends of ours already had the approval from the KfW beforehand. But that is probably because they had a catalogue house where probably all calculations are already available.

But if the planning of the house is not yet completed, one shouldn't sign anything with the BU yet, should they?

Is the expert hired by the builder, or by you? I seem to recall that the KFW requires an expert who has no direct relationship with the BU.

The BU cannot advance so far without a signature. The floor plans, number of windows, heating, etc. all have to be fully planned. In principle, the planning must be "permit-ready" in order to carry out the calculations correctly. The calculation itself also costs quite a bit of money. At least, that was the opinion of our planner from the BU.

The expert has already been commissioned by us through the BU. We also received a letter from him yesterday regarding the steps of the review, etc.

I am simply interested to know if this is the normal procedure for a "non-catalog house"? Or are there BUs that carry out the calculations at their own expense if no signature has been given yet?

The procedure puzzled us a bit?!

Our BU has advanced payments. However, we also signaled to him that we are not negotiating with 3 other competitors. We considered this approach to be fair for both sides.

Is there anything new here? Is the confirmation from the KfW now available?

Fitting that you ask! The planning has been completed since the day before yesterday! There were still a few small changes. The drawings were sent to the experts yesterday. I am curious to see when we will get the documents for submission.

KfW will have to be applied for again, but according to our financial advisor, this is not a problem. We already received the green light verbally. The conditions have also remained the same.