Financing a heat pump: loan, funding and rate, what pays off?
Depending on building and system, a heat pump costs roughly €15,000 to €30,000. With funding and the right financing the rate stays manageable. Work out your rate and compare offers.
How can a heat pump be financed?
A heat pump can be financed through an instalment loan, a top-up of an existing mortgage or a mortgage-backed loan. State funding can reduce the cost. Application conditions depend on the programme and should be checked before you place the order.
Non-binding guide using an annuity rate and a fixed interest rate. The actual offer depends on creditworthiness, amount and term; the effective rate in the offer is what counts.
The comparison calculator is operated by our cooperation partner PROCHECK24 and opens in a new tab; your entries there go to PROCHECK24, not to Perini Finance & Property. If a placement succeeds we receive a commission — this does not change your terms.
Roughly what a heat pump costs
Costs depend on system type, building condition and region. A rough guide is €15,000 to €30,000.
This is a range from typical market calculations, not a quote. More ranges: renovation costs calculator.
Clarify funding first, then finance
Funding can lower the loan need considerably.
Borrow only the part funding does not cover. See KfW programmes.
Instalment loan or mortgage
For smaller amounts an instalment loan is enough; for larger projects a top-up or mortgage-backed loan is often cheaper.
We calculate both routes for you.
Frequently asked questions
Can I finance a heat pump with a loan?
Yes, by instalment loan or through a mortgage.
Can I combine a loan and funding?
Yes, often funding is applied for and the rest is financed by loan. Mind the order and deadlines.
How long does the loan run?
Usually 5 to 15 years for instalment loans, longer with a mortgage.
Does a heat pump pay off?
It depends on building, electricity price and funding; it needs an individual calculation.
Heat pump financing: what does the loan cost?
What the loan costs depends on amount, term and creditworthiness. Rate and interest cost follow from rate and term. The calculator on this page shows both for your amount; only an offer shows the real rate. Borrow only the part that funding does not cover.
Heat pump loan or funding: which comes first?
Clarify funding first, because many programmes require the application before work starts. The loan then covers the rest. See KfW programmes for conditions.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.