KfW loans for energy-efficient houses

KfW loans for energy-efficient houses

The construction of energy-saving residential buildings is being supported by the Kreditanstalt für Wiederaufbau (KfW) through low-interest loans. For example, families can receive a loan of over € 100,000 at a rate of between 3.19 per cent APR and 10 years for mortgage lending. This is not only cheap, but also relatively simple: the builders have to build only a one-family house with separate apartment (two residential units) as a KfW energy-saving house 40. The installation of heating technology based on renewable energies is also promoted in new buildings. Applications for funding may be made, inter alia, by providers of investment measures for rented or self-occupied residential buildings, such as individuals, municipalities, cooperatives and other entities. holiday and weekend houses are not funded.

Kfw Energy Saving House 40

The terms & quot; KfW 60 & ldquo; & nbsp; & nbsp; & nbsp; & nbsp; & nbsp; and & quot; KfW 40 & quot; refer to the definitions of the funding programs of the Kreditanstalt für Wiederaufbau (KfW). Prefabricated houses and wooden houses are classified according to the annual primary energy demand to a Kfw-40 or KfW-60-Haus. The subsidies accordingly flow to families whose homes have a primary energy requirement of up to 40 or 60 kWh / m² . The heat loss through walls and windows (transmission heat loss [1]) of these houses must additionally be between 30 and 45 percent below the normal value of the current Energy Saving Ordinance (EnEV). The exterior wall and roof insulation must therefore be considerably stronger than that of conventional houses. It should be noted that the KfW-60-Haus is no longer supported. Instead, there are still KfW Effizienzhaus 40 and 55 and 70. Nothing has changed in terms of the delivery principle.

Comparison with the Efficiency House 100

Component Efficiency House 100 Efficiency House 40
Basement Insulation 8 cm 16 cm
Exterior wall insulation 10 cm 32 cm
Flat roof insulation 20 cm 32 cm
Window frame Wood PVC-5
Ventilation Window Heat recovery 80%
Heating requirement 90.4 28-48

KfW delivery stages

Delivery stage 40 55 70 85 100 115 passive house
new x x x - - - x
Restructuring - x x x x x -

Definition KfW-40-Haus

Finally, for clarification, the definition of the KfW-40-Haus and recommendations to reach the annual primary energy requirement of a maximum of 40 kWh / m²:

  • highly insulated roof
  • highly insulated exterior walls up to 45 cm insulation thickness
  • insulated basement ceiling
  • Minimization of W bridges
  • highly insulated window frames and heat protection glazing
  • modern ventilation system
  • high airtightness of the building shell
  • thermal solar system
  • energy efficient heating

passive houses

Before the dream of your own four walls can be realized in the 21st century can, must be planned in detail. For today, not only a multitude of energy standards must be considered in Germany, there are also numerous advantages that should not be ignored. Although the EnEV house is the German standard in view of the rising heating costs, the passive house will be much cheaper in the long term.

Calculation example:

For a passive house, owners must pay an average of 1 Euro per square meter per year for heating costs. In a 140 m² passive house, the monthly savings amount to 100 euros compared to an EnEV house. Accordingly, the removal per month can be 100 euros higher or it can be 20,000 to 30,000 euros be funded more . In addition, KfW offers low-interest loans of up to € 50,000 for passive house projects.

Funding scope and security

For the promotion of KfW energy-saving houses, the construction costs are financed without a plot of land with a maximum of EUR 50,000 per housing unit. The installation of heating technology in new buildings, which is based on renewable energy sources [2], local / district heating [3] or combined heat and power [4], is also funded with up to 50,000 euros per housing unit. Loans from the program & quot; Ecological Build & ldquo; may be combined with other grants and KfW loans if the sum of grants, credits and allowances does not exceed the sum of the expenditure. The promotion of the installation of heating technology can not be combined with the energy-saving houses.

Private borrowers must prove to the banks a certain security for each application that is agreed between the principal bank and the borrower. The application for funding by KfW must be submitted before the start of the project - the required form is available from all banks. The KfW loan is not granted directly to the investor, but brokered through the selected bank. The loan must be used by an expert within nine months of full payment.


  1. KNOWLEDGE Wiki: Transmission Heat Loss ↩
  2. Federal Ministry for the Environment, Nature Conservation and Nuclear Safety: Renewable Energies ↩
  3. NRW Energy Agency: Promotion of Heating Networks ↩
  4. Federal Office of Economics and Export Control: Combined Heat and Power ↩

Artikelbild: © Franck Boston / Shutterstock


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