At the latest with the resolution of the first energy saving regulation 2002 the age of the energy-saving houses finally began. Because with their regulations and goals on the part of the Federal Government of Germany also national promotion possibilities are connected. These let the argument with and conversion of energy-saving building and reorganization measures both for house builders, owners of house and even for tenants appear at present extremely attractive.
What is an energy-saving house?
However, the types of funding, laws, resolutions and ordinances as well as consulting services are currently extremely diverse and sometimes confusing. The term energy-saving house is also by no means used unambiguously, especially in real estate offers. In common parlance, for example, a house is already referred to as an energy-saving house if, on average, it requires less energy for hot water and heating than the majority of existing, mostly older residential buildings. However, in order to receive government subsidies, appropriate minimum standards must be achieved. These are defined in terms of their requirements, for example, energy consumption and transmission heat in the latest version of the Energy Saving Ordinance 2009. In connection with energy-saving houses, corresponding construction and renovation concepts are also often mentioned: Three-liter, passive or low-energy house.
A variety of energy-saving construction measures can be promoted and financially supported by the state. The extent to which this can be claimed should be checked before buying, building or renovating a property. In most cases, the company's bank is the right contact for information on possible subsidies. A large part of the state subsidy is provided by the KfW Privatkundenbank, which can be claimed via the house bank.
KfW subsidy program
Since 2009 in particular, construction financing has been supported by the KfW bank. For example, the KfW subsidy program 153 enables a construction loan for energy-saving new buildings, which has max. 50.000 euros per housing unit (up to 100 percent). Repayment subsidies of up to 10 percent and a 10-year fixed interest rate with an annual effective interest rate of 2.88 percent are also possible with this subsidy. However, subsequent financing, property costs and debt rescheduling are usually excluded from KfW Bank subsidy programs. Another interesting way of obtaining government support is through subsidies for consulting services relating to energy-efficient construction and refurbishment.
Compare financing options
For the financing of energy-saving houses, the various offers of the individual financial service providers and banks are also extremely diverse. From construction loans with the corresponding lower cost of construction financing to mortgage and annuity loans, financing options currently range. It is important to note that, in addition to the effective annual interest rate, the duration of the fixed interest rate should also be taken into account, as this predominantly determines the cost of financing.
Tip: The comparison for favorable building loans on ForwardDarlehen comparison.de offers a non-binding and free overview of current interest rate offers.
In summary, it is advisable to consider various financing options and to match these with the corresponding support programs, for example with the help of the principal bank. Likewise, professional advice for energy-efficient construction and renovation projects should also be used, especially if a subsidy is available for the consulting services.