Flat Hanover — family
- Purchase price€280,000
- Equity€70,000
- KfW 300 (2 children)€200,000
- Bank loan remainder€10,000
- Total instalment~€1,140
- Instalment without KfW~€1,560
- Saving~€420/month
Model calculation without guarantee.
KfW · families
KfW 300 — home ownership for families
Up to €270,000 low-interest loan for families buying or building a climate-friendly home. Particularly attractive terms.
Programme profile 300
Terms and application
Important: application sequence. KfW funding lapses if applied for retroactively. I make sure the application sequence is correct.
KfW 300 in detail — when and how it pays off
Mind the income limit: KfW 300 is income-dependent. The taxable household income must not exceed certain limits — they rise with the number of children. Check your relevant taxable income for the application year in advance with your tax adviser.
Only for climate-friendly new builds: KfW 300 applies exclusively to climate-friendly new builds (Efficiency House 40 or better) — i.e. QNG-certified or comparably efficient properties. Existing stock and refurbishment are not eligible.
Combination with KfW 297: for owner-occupation of a QNG new build, KfW 300 (home ownership for families) and KfW 297 (climate-friendly new build) can under certain conditions be combined. The exact combination depends on the property and the income situation.
Filing: apply before the purchase contract or before construction starts — through the financing house bank. I coordinate the timeline and documentation.
Model calculations
KfW 300 · family 2 children
KfW 300 · family 3 children
Example financings
Detached house Erfurt — 3 children
- Purchase price€230,000
- Equity€50,000
- KfW 300 (3 children)€240,000
- KfW maximum amount€270,000
- Effectively financed100% of purchase price
- Monthly instalment~€870
Model calculation without guarantee.
FAQ
Frequently asked questions
Who can apply for KfW 300?
Families with at least one child under 18 buying or first occupying climate-friendly new builds. Mind the income limit (household-based).
How high is the KfW 300 loan?
Up to €270,000 with 3 or more children, €240,000 with 2 children, €190,000 with 1 child. The interest rate is well below market terms.
Can I combine KfW 300 with a bank loan?
Yes — and that is exactly the optimal structure. KfW 300 for the funded share, a bank loan for the rest. I coordinate both tranches.
More KfW programmes
Other KfW funding programmes
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