Passive house as a logical consequence? Are there counterarguments?

... and I can also get the 153 program with Kfw70, just not the 5000... but it doesn't matter because the 5000 goes to the expert.

Just recalculate it again

With Kfw 70, however, I do not get the interest rate of 0.75% but a higher one. And €5,000 for [Gutachter] is also not correct; in my case, it amounts to €800 for a [Gutachter].

As always, with the energy topic, "does not pay off" comes from all sides. How do the more expensive tiles pay off? How does a fireplace pay off? How does building a single-family house pay off at all?

In addition, for a standard Energy Saving Ordinance house, you do not get program 153 , so the saving is given in comparison.

Nobody wants to talk you out of your PH... we are planning a brine-water heat pump... it doesn’t really pay off either. There are also calculations where controlled residential ventilation is not worthwhile, etc. Building a house isn’t always about the ROI, but also about other factors.

I would say your decision is made. If you feel comfortable with it, you have made the right decision.