Single-family house with 2 residential units for KFW funding

  • Erstellt am 2025-08-12 21:51:44

Arauki11

2025-08-12 22:18:13
  • #1
I would just look online with the search terms: "How can I cheat without getting caught." Apart from that, this idea of the "consultant" (instigator) is simply also economically/planning-wise nonsense; was he ever involved in the coffee travel industry before?
 

Häuschenbauer4

2025-08-12 22:24:35
  • #2
I had also dealt with the topic but gave it up because the KfW 297 does not have great conditions either.

But the following must be observed:
- separate lockable access
- bathroom
- possibility to install/connect a kitchen

Feel free to add, but I think it is also stated in a KfW document.

On the topic of achieving "KfW40", we also built monolithically with 42.5 T7, insulation under the floor slab, and thicker insulation on the topmost ceiling.
 

roteweste

2025-08-12 23:29:45
  • #3
For our prefabricated house in timber frame construction, I did a quick, rough calculation. Basically, the subsidy goes 1:1 towards the KfW40 standard (for us about 50k euros, including ventilation), which is quite nice. One should also not forget the 5 repayment-free years at the beginning.
 

ypg

2025-08-13 01:32:33
  • #4
But that only benefits a few, for whatever reason. I only had one or two years repayment-free, which I would have declined in hindsight, because I would have finished the financing two years earlier.
 

roteweste

2025-08-13 07:39:22
  • #5

It depends. In our case, it happens at a time when our wife is only working part-time or is on parental leave. If we still have money left at the end of the year, we can make special repayments with the difference at the bank.

For us, that amounts to a "saving" of 380 euros per month for the first 5 years.
 

HuppelHuppel

2025-08-13 08:27:44
  • #6


With the KfW 300, the topic could be worthwhile if you put part of the saved repayment into the main loan with 3.X% interest. You would have to calculate that.
 

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