Proof of use for Riester AND loan?

Hi,

a quick question for the bankers, or anyone else.

I had a Wohnriester (building savings contract) paid out for the house construction. Of course, we also took out a loan (Kfw 153 and house bank).

Now I have to submit proof of use of the money for both.

Is it either/or here? Or can I submit the same invoice for both? Somehow that seems illegal to me... Or is that possible?

Many thanks and best regards

KingJulien

Yes, of course the calculation applies to both. For Riester, submit the registration certificate later. Riester only if the house is owner-occupied, not rented out or a holiday home.

Yes, the same proof for both.
You submit the proof for Riester at the ZfA. They only check whether you actually used the money for the purchase/construction of home ownership. If you did not do that, they will not demand the paid-out amount back. After all, it is your money from your contract.
They would only be allowed to reclaim the subsidy that you claimed through your income tax return during the contract period.

It is different with banks. If you did not use the money from the loan there for building the house, that is a different matter.