Type of heating for a new 3-family house with approximately 350m² living space

We are currently in the initial phase and plan to realize our 3-family house soon. We are currently in final discussions with the city planning office.

Nevertheless, I am also informing myself about other topics that arise during house construction – earthworks, shell construction, roof, and technology.
Currently, the topic of heating is up, and BAFA is currently offering up to 35% funding for installed heating systems.

Therefore, my question is which heating system would you recommend? Price-performance ratio is very important to us. Purchase costs should not exceed 30-50K€ now.
Whether we go for an air-water heat pump, geothermal, or block heating plant.

We are building with a basement, so space is not a dealbreaker!
We already plan to install solar panels.

I am not an expert; there are countless statements on the internet and YouTube about this.
Therefore, the appeal to you, builders/ homeowners and installers, to hear your opinion.

Greetings + thanks

For rent? Gas floor heating

Yes, gas or combined heat and power plant, teaching three families to use and operate a heat pump efficiently is a difficult task. Added to this is the size of the house.

An empirical value for a multi-family house with 4 residential units and 475m² living space:
Geothermal heat pump + photovoltaics -> 1900 to 2000 EUR/year heating costs including hot water preparation (cost indication without consideration of the photovoltaic self-consumption share). Normal household electricity, no special tariff.

A gas central heating system is naturally significantly lower in terms of investment and a very proven solution in comparison.

A combined heat and power plant seems economically interesting to me only for larger properties (possible high ongoing maintenance costs due to moving parts -> motor should be considered in the evaluation).

Ultimately, the decision for a system is a very personal one, influenced by many factors.

In the case of rental, for example, also keep in mind that some tenants, due to lack of experience, might interpret low flow temperatures at first reflex as a defective heating system because "the floor does not get warm."

However, the heating bill after the first year usually makes up for that.

For rent? Gas individual heating

Exactly like that and no other way! No trouble with the billing, no trouble with high consumption, and everyone is their own master.