Wait with the building application because of the child construction allowance

Can we quickly clarify this? I want to buy a multi-family house myself in 5-10 years and use it as an investment. I always thought an LLC isn't worthwhile. But is it? Of course, I would prefer if the liability issue also stays with the LLC. So, for example, contribute 20% equity, finance the rest through the LLC, and without a personal guarantee. Is that possible?

I wrote to you via PM because the topic is quite off-topic. Without a personal guarantee, the banks will not agree to it.

Just to clarify for our understanding:
For us, it only makes sense that, for example, in the case of the birth of a second child in 2018, the €105k equity limit for 2016 and 2017 is applied and not the €90k.

Do you understand it the same way?

Good question actually. 2016: 90k, 2017: 90k, 2018: 105k

I suspect that only 2016/2017 are relevant here and only one child existed at that time, so the limit is €90k and not €105k, since you would only have that from 2018 onwards.

Another situation, which is probably even more complicated:
2016 not married
2017 marriage
2018 child/house construction

In this case, are 2016/2017 relevant at all, since in 2016 at least you were not married yet, and if both years are relevant, which equity limit applies for those years? The equity limit is similar to your topic, the question is only which years need to be presented if not married in the last two tax years.

Good question actually. 2016: 90k, 2017: 90k, 2018: 105k

I assume that only 2016/2017 are relevant and that there was only one child then, so the limit is 90k and not 105k, because you should only have the latter from 2018 onwards.

Different situation, which is probably even more complicated:
2016 not married
2017 marriage
2018 child/house construction

In this case, are 2016/2017 relevant at all, since at least in 2016 not married yet, and if both years are relevant, which equity limit applies for those years? The equity limit is similar to your topic, the only question is which years must be presented if not married in the last two tax years.

What does a marriage have to do with it now? It’s about the people moving into the house.

Strange, prefabricated houses delivered nationwide cost the same nationwide, while the construction prices of regional craftsmen are determined by the regional wage level? Very strange! Oh well, the Bavarian earns in one hour what the Saarlander has to work two hours for. Strange. Very strange!

It is definitely recommendable to plan with a prefabricated house in such high-price regions, those things are also great. Nowadays there is nothing to complain about. Solid construction always works, you can't go wrong with that... but in some regions the prices have simply run away.

Your communication style is unpleasant. Saarland ranks 3rd or just 4th in construction prices, so the difference is not that big. Your argumentation and tone are therefore off topic.

Your communication style is unpleasant. Saarland ranks 3rd or just 4th in construction prices, so the difference is not that big. Your argumentation and your tone are therefore off-topic

...BauBob's argumentation is also wrong because precisely due to the different wage levels, prefabricated houses are sold at different prices depending on the region, even if the prefabricated house provider operates nationwide. For us, the same Massa Haus/ Kern /etc. costs 40k€ (or more) less in Mecklenburg-Vorpommern than around Munich.

I also don't understand how the KfW gets information like first-time purchase

In case of doubt, by self-declaration of the applicant, who commits subsidy fraud in case of false information.