Wait with the building application because of the child construction allowance

We were lucky to even get a loan for the house purchase. It was extremely tight.

Then it is even less; even if technically something would remain at the end of the balance.

The 72000 comes in over 10 years; all the costs/fees now.

How does it look again if you sell your only existing (smaller) apartment for partial financing and later, on the day of the building permit for the new house, no longer own any property? Is that supported?

So theoretically, anyone who bought their house before 01/01/2018 could sell it and buy again to qualify for the subsidy? That can’t be what the originator intended..

1.Source:
who are purchasing a property for the first time,...
2.Source:
for the first purchase of an owner-occupied residential property.
3.Source
Subsidized is the initial new construction or purchase of owner-occupied homeownership in Germany. If owner-occupied or rented homeownership for permanent use already exists in Germany, funding with Baukindergeld is excluded.

Here, the second sentence of course does not replace the first, but only complements it.

Does the dollar sign already switch off the brain again?

Sorry, but the requirements are quite clear and unequivocal.
Everyone affected is entitled to apply to the KfW. But what is being discussed here — selling to buy again — definitely does not demonstrate intelligence. Not to mention the additional costs incurred from selling, moving, interim renting, buying and repeated moving.

Sorry, but the requirements are quite clear and unambiguous.
Everyone affected is entitled to apply for KfW. But what is being discussed here: selling in order to buy again, certainly does not demonstrate intelligence. Not to mention the additional costs that would arise from selling, moving, subletting, buying, and moving again.

Well ...

Sources:

“Your situation applies on the day you signed the purchase contract for your new home or received the building permit.”

.... I have already received the home ownership grant...

“Yes, you can still receive the child-building grant then. The prerequisite is that you have since sold the residential property that was funded with the home ownership grant.”

And some other statements, for example, some have already directly inquired at KfW.

Everyone can judge for themselves in which constellations this makes sense and when not.
IMHO, it is not crazy to think about it and play through scenarios. Especially if you might want to sell the property anyway...

Source KFW:

"Can I apply for Baukindergeld if we already own a residential property?
No, we only support you if your new home is your only residential property in Germany on the day you sign the purchase contract or receive the building permit. A holiday apartment or holiday home does not count."

And as already said. The note regarding the home ownership allowance can also be found on the KfW website.

Everyone can judge for themselves in which situations this makes sense and when not.
IMHO it is not absurd to think about it and to consider different scenarios. Especially if you want to sell the property anyway...

At least I do see a few scenarios where it can make sense (bought a student flat, or inherited an apartment).

However, if the only property you own is the one you currently live in, then that is quite a balancing act to be discussed.

Let everyone judge for themselves in which situations this makes sense and when it does not. IMHO, it is not crazy to think about it and play through scenarios. Especially if you might want to sell the property anyway...

If it fits, why not? Subsidies are there to be claimed.

And if you transfer within the family without real estate transfer tax, set the sales price high because the depreciation (2% p.a.) also falls under taxable income if you sell within the 10-year speculation period. So inform yourself in advance about the pitfalls of tax law.

And when you pass around without GrErwSt in the family

One should not forget the registration confirmation. So, that you have to pass around not only the apartments but also something else (namely yourself).

Subsidies are there to be grabbed.

In the private sector/agriculture, there are consultants who specialize in subsidies and funding programs