- "Not worth it," i.e. additional construction costs/KfW loan or repayment grant are disproportionate with KfW 55; "better to build without KfW in these interest rate times, it comes out about the same without KfW."
Kfw55... it’s not that expensive either,
Noise emission of the controlled residential ventilation," i.e. KfW 55 brings a ventilation system into the house that may cause disturbing noises (we are subjectively very noise-sensitive). And you don’t need the controlled residential ventilation, "with reasonable ventilation behavior it works without it too, is cheaper and anyway the better indoor climate."
With good house planning, you don’t hear the utility room. With proper controlled residential ventilation settings, you don’t hear the controlled residential ventilation.
"Energy saving ordinance is perfectly sufficient with energy and efficiency standard with reasonable wall construction and proper windows"; "the little extra energy saving is not worth the additional effort and bringing a noise source into the house." "Today’s houses based on the energy saving ordinance already have very low energy costs."
In my opinion, that is correct. Nevertheless, controlled residential ventilation should be considered separately and certainly does no harm to a house according to the energy saving ordinance, as it means comfort when ventilating.
You don’t need KfW 55, since you intend to live in the house yourself into old age. If you wanted to sell again, KfW 55 would be more important."
Who can see in a crystal ball what you will have to do in 10 years? I would see controlled residential ventilation independently: it is comfort. Manual ventilation is effortful and time-consuming. KfW 55: is okay, just like KfW 70. Not so decisive in terms of price now...
I would approach the matter the other way around. Might it be more sensible to upgrade from KFW55 to KFW40+
... whereas Kfw 40 is somewhat exaggerated if you don’t see the point or don’t have the money for the surcharge. Not necessary.