KfW subsidies

KfW subsidies — low-interest funds, combined correctly.

KfW provides low-interest loans and grants for new builds, refurbishment, renewable energy and families. Important: the application must be in place before the purchase contract. We combine KfW funds with your bank financing — pick your programme.

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By programme

KfW funds often save several thousand euros in interest over the term — but only if the application is filed in time, before the purchase contract. We coordinate KfW, state subsidies and the bank loan and broker the bank side under §34i GewO.

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KfW 297/298 — QNG new build

Climate-friendly new build up to €150,000 at a low rate, with QNG standard.

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KfW 261 — refurbishment

Energy-efficient refurbishment with a repayment grant up to the efficiency-house level.

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KfW 300 — families

Home ownership for families — a low-interest loan up to €270,000.

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KfW 270 — renewables

Finance photovoltaics and storage at a low rate.

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KfW 159 — conversion

Age-appropriate, barrier-reduced conversion, up to €50,000 per unit.

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Frequently asked questions

When do I have to apply for KfW?

Before signing the purchase contract or before starting the project. If the application is too late, the subsidy is lost. We align the timing with the financing.

Can I combine several KfW programmes?

Partly yes, depending on the project and programme. Combining with state subsidies is often possible too. We check what excludes and what complements in your case.

Does KfW apply directly with me?

No. KfW funds run through your financing bank. We broker exactly that bank under §34i — and make sure the KfW part is integrated cleanly.

Let’s talk about your financing

Message me on WhatsApp or book a 30-minute call. The first check is free of charge.