Hello Amazingbee
The topic of heating in a new building is not only difficult to answer for a KfW 55 house. Theoretically, you can meet the requirements with all heating systems. It does not only depend on the heating system, but on the overall package. The combination of heating, insulation, etc. must be right.
Unfortunately, many providers seem to make quite curious calculations, i.e. apparently many heating systems are incorrectly sized...
In my opinion, the most important question initially is which energy source you want to depend on in the long term? You need heating oil (which is nowadays out of the question), gas, or electricity to heat your apartment.
Then you have to know the heat energy demand of your house. Now you can calculate how much primary energy you need from that: Example: With a heat pump with an annual performance factor of 4, you need 25W of electricity for 100W of heat.
Now you can already compare the different heating systems based on their primary energy demand – this is probably decisive for the KfW calculation...
To be able to decide on a heating system now, you also have to consider which "fuel" costs (gas or electricity costs) you will have per year. It only becomes difficult at the point where you have to think about how the price development will probably look in the coming years.
In my opinion, the gas price will rise more strongly than the electricity price in the next few years – i.e. the operating costs of the gas system will probably be significantly higher in relation to the heat pump. If you add up the operating costs (including maintenance, chimney sweep, etc.) that arise during the lifetime of the heating system (which is calculated at 20 years) and add the purchase costs of the heating system (these are significantly higher for a heat pump than for a gas condensing boiler), then you might find it easier to make a decision...
Unfortunately, this calculation is very much dependent on the price development of electricity and gas – and no one can really predict this...
My very personal opinion is that today – especially with a new building (even more so with KfW 55) – I would definitely not rely on gas anymore – but I can be wrong. We will see in 20 years.
Hope I was able to help you
Best regards from the Ruhr area Micha