Wait with the building application because of the child construction allowance

But it’s not about one’s personal moral compass. Back then at the bank, I also didn’t think it was okay when parents used their babies’ checking accounts as savings accounts because these child checking accounts offered 1% interest on the balance. As soon as dad spotted a good investment somewhere, the money was either invested again under his own name or, if his own saver’s allowance was already used up, further invested under the child’s name. If the saver’s allowance was used up, a certificate of exemption (NV-Bescheinigung) was applied for the child, and suddenly capital gains up to 8,000 euros per year were tax-free. When dad bought a new car, the money was withdrawn again. So the money was only given as a gift for the purpose of saving taxes and withdrawn again as soon as it was needed.

What do I want to say with this? Sometimes there are situations that run counter to one’s own moral ideas and are therefore rejected. Ultimately, in the example mentioned above and in the case of the original poster, a loophole in the system was used to either avoid taxes or enable the granting of transfer payments. I am not envious of that, but I wish anyone who finds such a loophole and uses it well.

Is that even possible? Isn’t that fraud or something? But it’s probably too late anyway. The key date here is, as far as I know, the notary appointment. The matter still won’t let me rest. From the KFW information sheet: "If your household (applicant as well as spouse or life partner or partner in a marriage-like community or children) already owns a self-used, rented, usufructuary used, gratuitously transferred or vacant residential property in Germany for permanent use, funding with the Baukindergeld is not possible." I don’t think the student apartment meets this definition. Edit: Now that I read my own quote again I noticed that the children must also not own property. Others had already thought of that.

That is the point. Everyone has to decide for themselves whether they can live with such questionable tricks. However, one must also expect that not everyone will like it. It would certainly not be bad for humanity if such behavior decreased.

Yesterday, two letters from Bayern LABO arrived simultaneously, quite an interesting story. My Baukindergeld Plus was approved, the home ownership allowance was not approved for now because it is not clear that the building permit was issued after 30.06.2018...

Interesting story, 2/3 were approved based on this, I’ll call right away.

This is an argument that can also be found among tax evaders. They could have closed the loophole, then they wouldn’t have been able to enrich themselves.
However, this is flimsy because no law or funding guideline can be so perfect that people under pressure to enrich themselves couldn’t think of a way to obtain benefits.
A jungle of regulations also prevents eligible persons from getting their money due to complexity and makes the procedures legally contestable.

Therefore morally not okay, but that is subjective feeling

But it is not about the personal moral compass. At the bank back then, I also did not think it was okay when parents used their babies' checking accounts as overnight deposit accounts because the children's checking accounts had a 1% interest rate on the balance. As soon as Daddy spotted a good investment somewhere, the money was either invested again under his own name or, if his own saver’s allowance was already used up, continued to be invested under the child’s name. When the saver’s allowance was exhausted, a non-assessment certificate was applied for the child, and suddenly capital gains up to 8,000 euros per year were tax-free. When Dad bought a new car, the money was withdrawn again. So the money was only given as a gift for the purpose of saving taxes and withdrawn again as soon as it was needed.

What do I want to say with this? Sometimes there are situations that contradict one’s own moral ideas and are therefore rejected. Ultimately, in the above example and in the case of the OP, a loophole in the system was exploited and thus either taxes were avoided or the granting of transfer payments was enabled. I am not envious about it, but I wish everyone well who finds such a loophole and uses it for themselves.