Single-family house from 1987. Evaluation of the price and the "necessary" work

The owners are currently buying a new property, but somehow it's stuck. Furthermore, the owners have been on vacation again since Monday for 2 weeks. So nothing will happen for now... Everything is somehow very strange. Now it means waiting another 2 weeks... the waiting is driving me crazy :D

Really strange, lots of vacation and probably lots of time - in the two weeks the interest rates have almost risen back to the last maximum. That won't make the sale, if it is supposed to happen, any easier.

In the two weeks, the interest rates have almost risen back to the previous maximum value.

With a 15-year fixed interest period, there are first customers who see a 4 before the decimal point! It should be noted that we calculate daily updated conditions.

Did you want to build an extension on Cologne Cathedral?

I should have submitted the application in the 90s....
No joke aside, Corona and co have paralyzed the already personnel-strapped city of Cologne.
They simply used the unmarked bicycle rack or the marked hedge as a pretext to reject the application to buy time for even older processes.
Thus, one year for the demolition permit and 1.5 years for the building permit quickly accumulated.

you are really knowledgeable about KFW etc :)
I have two questions: I hope my point comes across :)
(I can't reach my bank guy right now - so I'm asking here)

1.
Is it possible to use part of the KFW loan to also "buy" the house?

In our case now
Purchase of an "old" house, which is to be extensively energetically renovated:

Cost example:
House costs including incidental costs €580,000
Mortgage swap €310,000
Equity €100,000

So €170,000 is missing for the purchase of the house.

Is it then possible:
to take €150,000 as a "normal" loan from the bank and another e.g. €150,000 KFW?
Because theoretically, you would then take €20,000 KFW credit for the house purchase.

I rather assume the amount outstanding for the purchase (i.e. the above-mentioned €170,000) must be independent of KFW?!
Otherwise, I would have a huge interest advantage.

Or would it not be seen so strictly here because somehow everything goes "hand in hand"?

Do you understand what I’m getting at?

and 2.
DO I HAVE TO submit invoices for the work for the KFW loan? (New roof, new windows, etc.)
Or are invoices for the materials enough? If the energy consultant then confirms that everything was installed properly and professionally, there shouldn’t be any problems, right?

Can part of the KFW loan also be used to "buy" the house?

Clear "No". The renovation funds are earmarked. The energy consultant will also provide you with a calculation in which the costs are estimated. You cannot get more credit from KfW than that. The bank controls and is responsible for the earmarked disbursement.

DO I have to submit invoices for the work for the KFW loan as well? (New roof, new windows, etc.) Or are invoices for the materials sufficient? If the energy consultant can then confirm that everything was properly and professionally installed, there should be no problems, right?

If own work is carried out for the renovation, this is NOT eligible for funding. Neither is the material. KfW has adjusted this in the meantime. However, you can buy the material separately and hire a craftsman for the installation. Then both invoices are eligible for funding. The confirmation from the energy consultant was sufficient some time ago, but not anymore. So, in summary: There is no funding anymore within the framework of KfW renovation for undeclared work or own labor. You can consider whether to forgo the funding and do the work yourself or award the contract and get funding. To put it bluntly, if you renovate your house yourself, you will not get a KFW loan.

Regarding 1. I thought so. Thanks :)

Regarding 2. for dummies like me again: :)

The energy consultant says for example: New roof €45,000 Heat pump €25,000 Windows + front door €25,000 Total €95,000 So I could get €95,000 KFW. But then the above-mentioned work MUST be done entirely through the individual trades (material + labor)

But if I say, material for example: Roof €30,000 Heat pump €20,000 Windows + front door €20,000 So total €70,000 And I install it myself

I don’t get any subsidy. Then I would have to take out these €70,000 under current conditions "normally" without KFW. Have I understood that correctly?

So it would be a numbers game. Although I assume the 0.65% for KFW is unbeatable. I don’t get the work for free anyway, just "discounted" meaning better (what do I know) to take out €30,000 more KFW for labor, at 0.65% interest rate, than only the material costs at current interest rates.

Then it would be clear -> have all the work done entirely by the professional companies with the KFW loan

Or am I missing something?