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Apply for a loan for the energy-efficient refurbishment of residential buildings to create a KfW Efficiency House

Service Description

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

Funding is available for the energy-efficient refurbishment of residential buildings for which the building contract or building notification was submitted before 01.02.2002.

You can receive a loan of up to EUR 120,000 per residential unit for the following measures:

  • Energy-efficient refurbishment of residential buildings

You will not receive a subsidy

  • for vacation homes and apartments,
  • for rescheduling existing loans,
  • for follow-up financing of projects that have already been started or completed,
  • for photovoltaic systems.

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 55
    • Repayment subsidy of a maximum of EUR 48,000 of the loan amount
  • KfW Efficiency House 70
    • Repayment subsidy of a maximum of EUR 48,000 of the loan amount
  • KfW Efficiency House 85
    • Repayment subsidy of a maximum of EUR 36,000 of the loan amount
  • KfW Efficiency House 100
    • Repayment subsidy of a maximum of EUR 33,000 of the loan amount
  • KfW Efficiency House 115
    • Repayment subsidy of a maximum of EUR 30,000 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 have no claim to approval of the funding.

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 mortgage) about including a promotional loan. They will advise you on which additional documents are required and will submit the application to KfW on your behalf.
  • KfW will check your application and inform you or your financing partner whether your loan with repayment subsidy will be approved.
  • If KfW approves your application, you conclude a loan agreement with your financing partner.
  • As soon as your application has been approved, you can start building work or buy the renovated property.
  • 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 provide your financing partner with proof,
    • 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 checks and confirms your evidence and forwards 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 renovating a residential property
  • First-time buyers of renovated 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 owner-occupied or rented residential buildings and condominiums
  • Buyers of newly renovated residential buildings or condominiums

Further requirements:

  • The application must be submitted before construction work begins
  • Your measure 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
  • The building application or building notification for the residential building in question must have been submitted before 01.02.2002

Which documents are required?

You must submit your application to your financing partner:

  • Confirmation of the application
  • If applicable, confirmation from the local authority that the building is classified as a building of special conservation value

Once you have completed your measure, you must submit the following documents:

  • Confirmation after completion

and for loans over EUR 25,000 you must submit the following documents:

  • Supplement to the "Confirmation after completion"

You will receive the 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 the measure
  • Loan drawdown period: within 12 months of loan approval, 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

Appeal

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

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

Further Information

Author

Forwarding service: Deep link to the original portal

The text was automatically translated based on the German content.

Technically approved by

Federal Ministry for Economic Affairs and Energy (BMWi)

Professionally released on

05.10.2020

Source: Zuständigkeitsfinder Thüringen (Linie6PLus)

Competent Authority

Kreditanstalt für Wiederaufbau (KfW)

Address
Palmengartenstraße 5-9
60325 Frankfurt am Main
Telephone
+49 800 5399-001
Fax
+49 69 74319-500
E-Mail
Contact us
WWW
Website of the Kreditanstalt für Wiederaufbau (KfW)
Opening times
  • Monday to Friday: 8:00 am to 6:00 pm
  • For advice on financing and applications:
    Arrange an appointment with a financing partner of your choice.