Up to €150,000 loan for energy refurbishment — combinable with listed-building depreciation financing. Repayment subsidy up to 45% (€67,500).
Important: application sequence. KfW funding lapses if applied for retroactively. I make sure the application sequence is correct — this is the most common and most expensive mistake when financing buy-to-let property.
Combining with state funding: KfW 261 can be combined with most state development programmes — IBB Berlin, SAB Saxony, NRW.BANK, L-Bank Baden-Württemberg and others. That gives up to three financing components for a single refurbishment. I coordinate the application sequence and deadline management so that no funding lapses.
Energy requirements: the better the Efficiency House standard achieved, the higher the repayment subsidy: EH 40 up to 45%, EH 55 up to 20%, EH 70/85 up to 10%. An iSFP (individual refurbishment roadmap) raises the subsidy by 5 percentage points and improves bankability.
Especially relevant for listed buildings: many listed-building refurbishments meet the KfW 261 requirements. The combination of listed-building depreciation §7i + KfW 261 + bank loan is one of the most tax-attractive models for investors. The application must be filed before construction starts.
Who can apply for KfW 261? Private individuals, companies and homeowner associations for residential buildings in Germany. The application always runs through the financing house bank — never directly with the KfW.
Model calculation without guarantee.
Model calculation without guarantee.
Free, non-binding initial consultation — the commission is paid by the bank. I check 500+ banks plus all state development programmes for your situation.