Temporal relationships of overall KfW measures

Hello,

we are planning to buy my grandparents' house soon, built in the early 1950s, a few renovations since then, a gas heating system was installed in the early 2000s.

I would say that the house is energetically at the end of its life. The roof needs to be renewed, facade insulation, windows, possibly heating. Depending on what kind of boiler it is, solar thermal energy and a buffer tank might be enough, but I don't know that yet.

Since everything needs to be done anyway, I am now wondering how quickly I need to implement all the measures. The funding for a comprehensive measure is significantly higher than for individual measures. But within what time frame do the many individual measures have to be carried out if I want the higher funding, e.g. 25% for KfW70 or 30% for KfW55?

Since I am also considering a surface heating system, moving in before the measures is not an option, but I could do without the roof at the beginning if necessary. It is sealed and the living spaces are all downstairs after the renovation. From my point of view, there is no urgent need to renovate the roof immediately. If that only happens while we are already living in it, for example half a year after the floor, facade, and windows, that would also be okay in my opinion.

I have to say that I am a soldier and close to the end of my service. In the end, you get a one-off payment and for three more years a certain percentage of the salary is paid in addition to the salary from the new job. I would invest all the money into the renovation. I only mention this because in my case it makes sense to stretch individual measures over time since quite a bit of money will be coming in in the meantime and it would therefore be cheaper not to take out a loan for the full amount from the start.

But if the KfW requires me to achieve the KfW55 target within, say, 6 months, then despite the theoretically short-term availability of the money (3 years), I cannot avoid taking out a loan and then repaying it significantly faster than usual.

Unfortunately, I cannot find information anywhere about what time frame the measures must be carried out within.

It is also not clear to me when I actually get the funding from the KfW?

After application and then I am obliged to spend it on this, or do I have to submit the invoices or how does it work?

Actually, only after the completion of all measures can it be calculated whether I achieve my KfW55, right?

Questions upon questions

Thanks in advance!

We also want to renovate and apply for KfW funding. If you need a loan, you can also get €100,000 from KfW at a good interest rate, and you will then receive a repayment grant. We did not take a KfW loan because it must be determined before the application, or it is required for the application, which measures will be carried out and which values will then be achieved. We did not want to invest that before the purchase and would not have managed it before the purchase either. You must apply for the funding from KfW before starting the construction work and receive it after completion and certification. I do not know how much time you have. Take a look on the KfW website for energy consultants, you need one. Next, we will have a detailed energy consultation done, which costs us almost nothing because it is also funded by Bafa. Google it, you can also get a few euros from it.

See the current information sheet.

But in what time frame must the many individual measures be carried out if I want to receive the higher funding, e.g. 25% for KfW70 or 30% for KfW55?

Proof of use of funds:
Immediately after completion of the project, at the latest 15 months after full disbursement of the loan, the proper and timely use of the funds must be evidenced to KfW as follows...

I am also not clear when I actually receive the funding from KfW?

That depends on the program, i.e. grant or loan.
The commitment is made within a few days to weeks.

After application, am I then obligated to spend it accordingly or do I have to submit the invoices or how does that work?

The energy efficiency expert examines the eligible measures, confirms the implementation of the funded project according to the annex "Technical Minimum Requirements," and issues the "Confirmation after Completion" via the online application for creating the confirmation after completion...
The borrower confirms the project implementation as well as the amount of costs for the measures eligible for funding confirmed by the energy efficiency expert in the form "Confirmation after Completion."
The financing institution confirms the timely use of funds for energy renovation measures on the funded residential building and submits the "Confirmation after Completion" to KfW.

Actually, the calculation of whether I qualify for KfW55 can only be done after all measures are completed, right?

The KfW house is already calculated with the confirmation for the application (BZA). Of course, in the event of changes, recalculation is required, and if necessary, the actually achieved values must be confirmed after execution.