Jung kauft Alt KfW 308 individual-measures check: the renovation that is still open
Since 3 August 2026, KfW 308 accepts a package of four individual measures — windows, façade, roof and heating — instead of a full renovation. Anything already brought up to the EnEV 2001 standard counts as done. 4 questions about your property show which areas already qualify and which are still open. Renovation loans in Germany can run alongside or instead of KfW funding, depending on the scope of the work.
What does the Jung kauft Alt individual-measures check actually test?
It tests four building elements for the individual-measures route that Jung kauft Alt accepts since 3 August 2026 instead of a full renovation: windows, façade, roof or top-floor ceiling and heating. Anything already renovated to the EnEV 2001 standard counts as done. The check gives a rough read; it does not replace a contractor's declaration or an energy consultant's confirmation.
A rough self-assessment against the four technical minimum requirements of BEG EM and the EnEV 2001 (Annex 3) grandfathering threshold. Not a binding confirmation — that only comes from a qualified contractor's declaration or an energy consultant. Not legal or tax advice.
Keep this result: how do you get the checklist with the right documents?
A calculator gives you a number. A financing decision needs the right paperwork ready before you talk to a bank. We'll send you the checklist that matches your situation — free, no sales call attached.
Need the blank forms right now? Get them via a quick form: self-disclosure form (DE/EN) · net-worth statement (DE/EN).
Open the file directly — no form: Germany property financing checklist (PDF, 9 pages) · Non-resident mortgage checklist (PDF, 9 pages) · KfW funding overview 2026 (PDF, 4 pages)
Your property in 4 questions: where does it stand?
Each question checks one building element against the technical minimum for the individual-measures route — and against EnEV 2001 grandfathering: anything a previous owner already brought up to that standard doesn't need to be touched again.
EnEV 2001 grandfathering: why is today's target value not what counts?
The benchmark for whether any of the four individual measures is still needed at all is not the current 2026 target value, but the much lower requirement of EnEV 2001 (Annex 3). If a building component has already been upgraded to that standard, it counts as done — regardless of whether it exactly meets today’s target value:
Windows: threshold for existing buildings 1.7 W/(m²K). If the windows were replaced after 2002, this measure is as a rule done. Roof / top floor ceiling: threshold for existing buildings 0.30 W/(m²K). If it has already been insulated once, improvements are usually not needed. Facade: For double-leaf clinker brickwork, a fully filled cavity between the leaves counts as meeting the requirement. Heating: A heat pump, pellet boiler or connection to a heating network counts as meeting the requirement; only a pure gas or oil boiler has to go.
Which grandfathering thresholds apply to windows, roof and heating?
The grandfathering threshold is 1.7 W/(m²K) for windows and 0.30 W/(m²K) for the roof or top-floor ceiling, while a heat pump, pellet boiler or district-heating connection counts as met for heating.
Windows: grandfathering threshold 1.7 W/(m²K). If the windows were replaced after 2002, this measure is usually already covered. Roof / top-floor ceiling: grandfathering threshold 0.30 W/(m²K). If it's already been insulated once, it usually doesn't need topping up.
Which individual measure is often still left to do?
In a good case exactly one measure is left, often one that is due anyway, such as the attic floor, which §47 GEG requires every new owner to insulate within two years of the land registry entry.
In a good case, exactly one measure is left — often one that's due anyway. The attic floor, for example, has to be insulated regardless of which subsidy route you take: §47 GEG requires every new owner to reach 0.24 W/(m²K) within two years of the land registry entry. For the loan, the same job with a bit more insulation gets you to 0.14 W/(m²K).
Renovation loans: does KfW 308 cover the purchase, with subsidies on top?
KfW 308 finances the purchase price only. For the renovation itself you can additionally use subsidy funding: the BAFA grant under BEG Einzelmaßnahmen for insulation and windows, and KfW 458 for a heating replacement. Both run independently of the 308 purchase loan and reduce the equity needed for the remaining measures.
Important: anyone applying for subsidies on the individual measures themselves still needs an energy consultant — the qualified contractor's declaration is only enough to prove compliance to KfW 308, not for the subsidy application itself.
The application for the individual measures has to be in place before the notary appointment; the 4.5-year deadline runs from the KfW approval — not from moving in.
Frequently asked questions
Is it enough if three out of four measures are already met?
No. For the individual-measures route, all four areas have to be met in the end — windows, façade, roof and heating. If one is still open, that one has to be brought up to standard; the other three can already count through grandfathering or an earlier renovation.
What if I don't know when past renovations were done?
Ask specifically for invoices covering window replacement, insulation and heating during the viewing — not just for the energy performance certificate. Without documentation, grandfathering can't be proven later, even if the measure looks like it's already been done.
Does the qualified contractor's declaration also count for subsidies on the individual measures themselves?
No, only as proof for KfW 308. Anyone who also wants to apply for the BAFA grant or KfW 458 for insulation, windows or heating still needs an energy consultant for that.
Is the result binding?
No. The check gives a rough read on your answers against the technical minimum requirements and the EnEV 2001 grandfathering rule. It only becomes binding through the qualified contractor's declaration or an energy consultant before the application.
Get your property checked in detail
A free, no-obligation first consultation — the commission is, as a rule, paid by the bank. We check your specific property against the four individual measures and coordinate the 308 application before the purchase contract.
Basis: the technical minimum requirements of BEG EM and the EnEV 2001 (Annex 3) grandfathering thresholds. Not legal or tax advice — the exact assessment of your property is confirmed by a qualified contractor's declaration or an energy consultant.
Related pages
KfW 308 — Young People Buy Old Properties
The scheme in detail — eligibility criteria, amounts, deadlines, and the process involving purchase and refurbishment.
KfW 458 — Heating subsidies (Heizungsförderung)
Grant for replacing a heating system — can be combined with the 308 purchase loan.
KfW subsidy check
Which of the eight KfW programmes could in principle fit your project.
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.
