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Schleswig-Holstein

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Apply for a loan to build or purchase a KfW Efficiency House

Source: Zuständigkeitsfinder Schleswig-Holstein (Linie6Plus)

Service Description

If you want to build or buy a new KfW Efficiency House, you can apply for a loan with a repayment subsidy under certain conditions.

The Federal Ministry for Economic Affairs and Energy (BMWi) promotes measures to increase energy efficiency.

You can receive a loan of up to EUR 120,000 for the construction or purchase of a KfW Efficiency House.

Funding is available for

  • for new construction: the construction costs (including planning costs without land costs),
  • for purchase: the purchase price for the residential building (excluding land costs).

You will not receive funding

  • for vacation homes and apartments,
  • for rescheduling existing loans,
  • for subsequent financing of projects that have already been started or completed.

There is a benchmark for energy-efficient buildings, the KfW Efficiency House Standard. The lower the number, the more efficient your house is and the less energy you need. The following standards are subsidized:

  • KfW Efficiency House 40 Plus
    • Repayment subsidy of a maximum of EUR 30,000 of the loan amount
  • KfW Efficiency House 40
    • Repayment subsidy of a maximum of EUR 24,000 of the loan amount
  • KfW Efficiency House 55

Repayment grant of a maximum of EUR 18,000 of the loan amount

You must keep all documents relating to the eligible costs.

Applications for funding are processed by the Kreditanstalt für Wiederaufbau (KfW).

You are not entitled to approval of the subsidy.


Process flow

You and your financing partner must submit the application for funding in writing to the Kreditanstalt für Wiederaufbau (KfW).

  • You look for an energy efficiency expert in your area on the website of the German Energy Agency (dena).
  • You discuss the planning and monitoring of your refurbishment measure with the expert. This expert will check the eligibility of your measure and prepare the confirmation for the application (BzA). The expert will provide you with the identification number (ID) of the BZA (BzA-ID), which you will need for your application.
  • Talk to your financing partner (a bank, building society or financial intermediary with whom you would like to take out your construction financing) about including a development loan. They will advise you on which additional documents are required and will submit the application to KfW on your behalf.
  • KfW will review your application and inform you or your financing partner whether your loan with repayment subsidy will be approved.
  • If KfW has approved your funding application, you conclude a loan agreement with your financing partner
  • As soon as you receive approval for your funding, you can start building work or conclude the purchase contract.
  • Depending on the progress of the construction work, your financing partner will pay you the loan in one lump sum or in installments.
  • Once you have completed the project, you must prove to your financing partner
    • that you have spent the money from the loan on the planned measure and
    • that your measure meets the standard of a KfW Efficiency House.
  • Your financing partner will check and confirm your evidence and forward it to KfW.
  • If KfW has also checked the evidence, you will receive the repayment subsidy as a credit to your loan account. This reduces your loan term.
Requirements

Applications can be submitted by

  • anyone building a residential property,
  • first-time buyers of a newly constructed residential property,
  • Contractors who plan, build and operate energy-efficient refurbishment measures on behalf of others

The following are eligible to apply:

  • All sponsors of investment measures in newly constructed owner-occupied or rented residential buildings and condominiums
  • Buyers of newly constructed residential buildings or condominiums

Further requirements:

  • The application must be submitted before construction work begins.
  • The residential property must meet the minimum technical requirements for a KfW Efficiency House

You must involve an energy efficiency expert from the federal government's list of experts

Which documents are required?

You must submit your application to your financing partner:

  • Confirmation of application

Once you have completed your measure, you must submit the following to your financing partner:

  • Confirmation after implementation

You will receive both confirmations from your energy efficiency expert.

What are the fees?

Not applicable

What deadlines do I have to pay attention to?
  • Application: before the start of construction work
  • Loan drawdown period: within 12 months of commitment, extension to a maximum of 36 months is possible.
  • Commitment fee: you pay no commitment fee in the first 12 months after approval
  • Proof of use of funds: within 15 months of full disbursement of the loan
Processing duration

3 to 5 days

Note:
You can start implementing the measure immediately after you have been approved for funding.

Legal basis

Leaflet Energy-efficient construction - Loan (153)

Applications / forms
  • Forms: yes
  • Online procedure possible: no
  • Written form required: yes
  • Personal appearance required: no (depends on the procedure of the financing partner)

Please note:
You will receive the original forms from your financing partner. You fill out the forms together.

Weiterführende Informationen
Author
Forwarding service: Deep link to the original portal

The text was automatically translated based on the German content.

Teaser

If you want to build or buy a new KfW Efficiency House, you can apply for a loan with a repayment subsidy under certain conditions.

Process flow

You and your financing partner must submit the application for funding in writing to the Kreditanstalt für Wiederaufbau (KfW).

  • You look for an energy efficiency expert in your area on the website of the German Energy Agency (dena).
  • You discuss the planning and monitoring of your refurbishment measure with the expert. This expert will check the eligibility of your measure and prepare the confirmation for the application (BzA). The expert will provide you with the identification number (ID) of the BZA (BzA-ID), which you will need for your application.
  • Talk to your financing partner (a bank, building society or financial intermediary with whom you would like to take out your construction financing) about including a development loan. They will advise you on which additional documents are required and will submit the application to KfW on your behalf.
  • KfW will review your application and inform you or your financing partner whether your loan with repayment subsidy will be approved.
  • If KfW has approved your funding application, you conclude a loan agreement with your financing partner
  • As soon as you receive approval for your funding, you can start building work or conclude the purchase contract.
  • Depending on the progress of the construction work, your financing partner will pay you the loan in one lump sum or in installments.
  • Once you have completed the project, you must prove to your financing partner
    • that you have spent the money from the loan on the planned measure and
    • that your measure meets the standard of a KfW Efficiency House.
  • Your financing partner will check and confirm your evidence and forward it to KfW.
  • If KfW has also checked the evidence, you will receive the repayment subsidy as a credit to your loan account. This reduces your loan term.

Requirements

Applications can be submitted by

  • anyone building a residential property,
  • first-time buyers of a newly constructed residential property,
  • Contractors who plan, build and operate energy-efficient refurbishment measures on behalf of others

The following are eligible to apply:

  • All sponsors of investment measures in newly constructed owner-occupied or rented residential buildings and condominiums
  • Buyers of newly constructed residential buildings or condominiums

Further requirements:

  • The application must be submitted before construction work begins.
  • The residential property must meet the minimum technical requirements for a KfW Efficiency House

You must involve an energy efficiency expert from the federal government's list of experts

Which documents are required?

You must submit your application to your financing partner:

  • Confirmation of application

Once you have completed your measure, you must submit the following to your financing partner:

  • Confirmation after implementation

You will receive both confirmations from your energy efficiency expert.

What are the fees?

Not applicable

What deadlines do I have to pay attention to?

  • Application: before the start of construction work
  • Loan drawdown period: within 12 months of commitment, extension to a maximum of 36 months is possible.
  • Commitment fee: you pay no commitment fee in the first 12 months after approval
  • Proof of use of funds: within 15 months of full disbursement of the loan

Processing duration

3 to 5 days

Note:
You can start implementing the measure immediately after you have been approved for funding.

Legal basis

Leaflet Energy-efficient construction - Loan (153)

Applications / forms

  • Forms: yes
  • Online procedure possible: no
  • Written form required: yes
  • Personal appearance required: no (depends on the procedure of the financing partner)

Please note:
You will receive the original forms from your financing partner. You fill out the forms together.

Weiterführende Informationen

Author

Forwarding service: Deep link to the original portal

The text was automatically translated based on the German content.

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