Renovate your residential building into an efficient house with affordable KfW loans and repayment subsidies. Everything you need to know about the KfW funding programs 2024 - including step-by-step instructions and expert tips for your application.
The Kreditanstalt für Wiederaufbau, KfW for short, is a German development bank. Its roots go back to the post-war period. It was founded to promote the reconstruction of Germany. Today it supports private individuals and companies with low-interest loans and grants to purchase, build and renovate energy-saving and sustainable properties. The lender is not KfW directly, but rather a financing partner such as your house bank.
Loans: Promotional loans with particularly favorable conditions
Subsidy: Subsidy for the purchase and installation of a new, climate-friendly heating system
Repayment subsidies: KfW subsidy for the development loan, which does not have to be repaid
Supplementary loan: low-interest loan for individual measures that have already been subsidized
The individual KfW programs are divided into federal funding for efficient buildings and funding for climate-friendly new buildings.
Inquire for free
01
Find a certified energy consultant. He will issue you with the "confirmation of application" (BzA), which you need to submit the application. To promote efficiency in houses, support from an energy consultant is mandatory.
02
Choose a lender for your measure.
03
As soon as your loan is approved, you can place delivery and service orders with craft companies or buy your property.
04
Once the work has been completed, you submit the “Confirmation of completion” (BnD) to your bank. If you have a newly renovated house, you will receive this confirmation from the developer.
05
After your BnDs have been successfully checked, you will receive the repayment subsidy.
Important: Your renovation, construction or purchase project may only begin after you have submitted your application. If you start too early, funding from KfW will no longer be possible. This excludes planning and consulting services, which you can also use beforehand.
No more waiting - an expert will come to your home within 14 days to record data.
With our technology we can calculate exactly which measures are worthwhile and how much can be saved
With our renovation roadmap, you will receive a 5%* funding bonus for 15 years without any obligation to implement it.
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Federal funding for efficient buildings promotes measures to increase energy efficiency and the use of renewable energies. There are currently three financing programs available to you as part of the BEG:
| No | Financial support | Art | Delivery height | Funded trades |
|---|---|---|---|---|
| 261 | Renovation of a residential building (WG) | Credit | 5 to 60 percent of the eligible loan amount of a maximum of 150,000 euros, max. 90,000 euros | Insulation roof / floor ceilings / facade / basement / doors / windows / system technology (except heating) / heating (no oil heating) / solar thermal energy / heating optimization (modernization only) / photovoltaics |
| New construction of a residential building (WG) | up to 20 percent of the loan amount of a maximum of 150,000 euros, max. 30,000 euros | |||
| 263 | Renovation and purchase of a freshly renovated residential building (NWG) | up to 2,000 euros per square meter, max. 10 million euros per project | ||
| 270 | Energy efficient solutions for heat and electricity | Loan volume up to 50,000 euros | Installation of photovoltaic systems, combined heat and power (combined heat and power plants) and battery storage | |
| 358 & 359 | For renovation measures that have already been subsidized (WG) | Supplementary loan | Up to 120,000 euros in credit per residential unit | Individual measures for energy-related renovation for which a (BAFA) grant has already been granted |
| 458 | Heating support for private individuals | Grant | Grant up to 23,500 euros | Purchase and construction of a new, climate-friendly heating system |
| 262 & 433 | set | |||
Would you like to have an efficiency house funded? Then the building application or building notice for your residential building must have been at least 5 years old at the time of the application.
You can find detailed information about the individual funding programs on the following pages:
The Kreditanstalt für Wiederaufbau promotes sustainable and climate-friendly construction. If you buy a residential building (shared apartment) within 12 months of building acceptance, you can also take advantage of low-interest subsidies. These three programs are currently available to choose from:
| No | Financial support | Art | Delivery height | Funded trades |
|---|---|---|---|---|
| 297 | Shared apartment for private use | Credit |
up to 100 percent of eligible costs for climate-friendly buildings up to 100,000 euros for climate-friendly buildings with QNG up to 150,000 euros |
climate-friendly shared apartment Climate-friendly shared apartment with QNG |
| 298 | Climate-friendly new building from NWG | |||
| 299 | Klimafreundlicher Neubau von NWG |
for climate-friendly buildings up to 2,000 euros per square meter, max. 10 million euros per project for climate-friendly buildings with QNG up to 3,000 euros per square meter, max. 15 million euros per project |
||
| 262 & 433 | set | |||
Attention: Due to exhausted budget funds, funding for climate-friendly new buildings cannot currently be applied for. It is not yet possible to predict whether and when the KfW programs 297, 298 and 299 will be continued. If you are interested in these subsidies, it is worth keeping an eye on KfW's official channels.
To receive KfW funding for real estate, some general requirements apply. You need to
There is no minimum income for KfW loans. However, the funding amount and the project itself must be proportionate to your existing income or assets so that you can repay the loan in the long term
Depending on the program, other specific criteria also apply to your financing project.
Meet deadlines: Submit your application in good time before the start of the project and also take the processing times at your bank into account
In contrast to a government subsidy, the KfW Development Bank offers you the opportunity to obtain a loan at comparatively favorable conditions. But as with any loan, the following applies here: you have to pay the money back. It is all the more important that you understand all aspects and payment methods.
This is how financing your own four walls works:
This information is for your guidance only. For binding information, please contact your bank.
| No | Running times | Repayment-free start-up period | Fixed interest rate |
|---|---|---|---|
| Renovations | up to 30 years | up to 5 years | max. 10 years, with KfW 270 up to 20 years |
| New buildings | up to 35 years | up to 35 years | max. 10 years |
You don't want to renovate your house into a residential building, but just implement individual measures to save energy and, for example, re-insulate your roof. Then the BAFA funding for individual measures (BEG EM) is the right program for you.
You can find detailed information about the individual funding programs on the following pages:
The tax bonus cannot be combined with other funding programs.
A third tax option is to refund the energy tax for gas in cogeneration systems such as fuel cells and combined heat and power plants. Up to 0.55 cents per kilowatt hour can be reimbursed. Systems that operate with heating oil are excluded from reimbursement. The funding is applied for at the main customs office and can be combined with KfW and BAFA funding.
The Kreditanstalt für Wiederaufbau is a German federal bank. It offers financing programs for private individuals and companies that want to implement environmental protection, energy efficiency and social housing measures. For this purpose, KfW provides low-cost loans and repayment subsidies.
Efficiency houses are properties that have a particularly efficient and economical energy balance. Both the thermal insulation and the total energy requirement are evaluated. Depending on their energy consumption, the buildings are divided into different efficiency classes.
An efficiency house level indicates how energy efficient a building is. The levels are often also called efficiency classes. There are several levels from 40 to 85. The higher the number, the higher the energy requirements of the house. An efficiency house 40 is therefore particularly energy efficient. When classifying, the property in question is compared with a reference building that was built in accordance with the requirements of the Building Energy Act (GEG).
The key figures represent the primary energy consumption:
In addition to these EH levels, there is another class: the renewable energy class. It was introduced as part of the federal funding for efficient buildings (BEG) and recognizes buildings whose heating system covers at least 55 percent of their energy requirements with renewable energies.
The amount of your funding depends on the efficiency class that your building achieves after construction and renovation. The lower the energy requirement and therefore the level, the higher the funding.
The state “Sustainable Building Quality Seal” (QNG) is a certification from the Federal Ministry of Housing, Urban Development and Construction. It honors residential and non-residential buildings that meet particularly high standards of sustainable construction. Anyone who builds a QNG-certified house receives an additional funding bonus.
No, KfW funding is limited to the renovation of efficiency houses and new buildings. Since 2021, individual measures have been subsidized exclusively by the Federal Office of Economics and Export Control (BAFA).
No, KfW does not grant loans itself. Instead, you apply for financing through your house bank, savings banks, commercial banks, building societies or cooperative banks.
If you are planning an energy modernization, you can combine different programs. For example, you can apply for a loan from the KfW 261 program to renovate your home. If you also want to use renewable energies and, for example, install a solar system, you can have this funded through the KfW 270 program.
In order to receive a KfW loan, it is not absolutely necessary to use your own funds for your modernization. However, it can definitely be worthwhile to contribute some of your equity. On the one hand, this reduces the loan amount that you have to take out. On the other hand, this improves your creditworthiness - you may get better loan conditions.
If all information is complete and the funding bank has no questions, it will usually approve your funding quickly. However, your application can also be delayed, for example, if information is missing or there are doubts about the need for funding. Our independent energy consultants will support you with your application so that you avoid mistakes and receive the optimal funding for your house or apartment
On the following pages you will find further information about your energy renovation and current KfW funding:
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