I also meant (although not specifically related to KfW) that the kitchen should not be included objectively, but taken into account: if the house without the kitchen is supposed to cost, for example, 280 TEUR and the kitchen 15 TEUR, then you calculate every sink and every socket with 295/280, and the sum fits without explicitly listing the kitchen. "Theoretically," you finance the kitchen from equity and the additional costs from the accordingly adjusted loan volume, but in practice, both come from both. However, planning equity for the kitchen, actually using the equity for the additional costs, and then putting the camping stove on the orange crate because there is now no money left for the kitchen would be silly. Understood now?
