Subsidies: how effective? And sensible when using own funds?

If you are solvent, you will get excellent conditions without KfW. Just stop by a broker and have them do some calculations. We were at about 2/3 of the "KfW interest rate" over 10 years.

KfW still has the grant.
The interest rate has to be quite a bit worse for that.
At least I don't find 10,000 to be negligible.

Debt does not make you dependent.

Look at what you have and apply for the appropriate funding.

I don't think much of the 10000 Houses Program. It's not about energy efficiency, but about the technology.
Still, take it if it applies.
It's really uncomplicated.
And in 2017 extremely fast.

Regarding KfW, they have their loan conditions.
You want to build a KFW55/KFW40 house. If your general contractor doesn't tell you a white horse story, the energy consultant is mandatory.

Regarding KFW, they have their loan conditions.
You want to build a KFW55/KFW40 house. If your general contractor doesn't tell you a tall tale, the energy consultant is mandatory.

Exactly, talk to the general contractor, talk to an energy consultant.
They will be able to explain over the phone what is feasible and what is not.

There are also things that will not pay off, such as subsidies for battery storage.

Here is a follow-up on a line of thought: I buy a battery storage system for €3800 gross, BYD 6.4 kWh, (preferably in conjunction with a photovoltaic system so that the tax can be applied to both. Provided a timely purchase for both from separate sellers is possible). There is a storage subsidy from the SAB. A base amount of €1000 + €200 per kWh, rounded to one decimal place, would mean an extra €1280, so a total of €2280. Deducted tax + subsidy then results in about €900 storage price. Or do I have a thinking error?

Andre, I find your line of thought interesting, as we will also have a photovoltaic system - preferably with a storage unit right away (yes, it is not profitable yet. Independence is not always financially profitable). The SAB presumably only applies to Saxony?

For storage, we offer the 10,000 Houses program