Individual-measures check — what renovation is actually left under "Jung kauft Alt"?
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 individual-measures check for KfW 308 actually test?
Since 3 August 2026, the "Jung kauft Alt" programme accepts a package of four individual measures as an alternative to a full renovation to Effizienzhaus 85 EE: windows (Uw ≤ 0.95 W/(m²K)), façade (U ≤ 0.20), roof or top-floor ceiling (U ≤ 0.14), and heating (at least 65% renewable energy). What counts is not today's target value but the EnEV 2001 grandfathering threshold — anything a previous owner already renovated to that older standard counts as done and doesn't need to be redone. For the measures still open, the BAFA subsidy under BEG Einzelmaßnahmen (insulation, windows) can be combined with KfW 458 (heating replacement) — both run independently of the 308 purchase loan and reduce the equity needed for the renovation. The check gives a rough read on your four building elements; it doesn't replace a binding confirmation from a qualified contractor's declaration or an energy consultant.
Your property in 4 questions
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.
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 — and 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, 7 pages) · Non-resident mortgage checklist (PDF, 8 pages) · KfW funding overview 2026 (PDF, 2 pages)
EnEV 2001 grandfathering — not today's target value is what counts
The benchmark for whether any of the four individual measures is still needed at all isn't the current 2026 target, but the noticeably lower EnEV 2001 (Annex 3) requirement. If a building element was already brought up to that older standard, it counts as done — regardless of whether it exactly hits today's target:
- 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.
- Façade: for two-leaf brick construction, a fully filled cavity between the leaves counts as met.
- Heating: heat pump, pellet boiler or a district-heating connection count as met; only a plain gas or oil boiler has to go.
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).
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.
The loan covers the purchase — subsidies come on top for the renovation
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.
Common questions about the individual-measures check
Is it enough if three out of four measures are already met?
What if I don't know when past renovations were done?
Does the qualified contractor's declaration also count for subsidies on the individual measures themselves?
Is the result binding?
Related pages
KfW subsidy check
Which of the eight KfW programmes could in principle fit your project.
KfW subsidy check →Get your property checked in detail
A free, no-obligation first consultation — the commission is paid by the bank. I check your specific property against the four individual measures and coordinate the 308 application before the purchase contract.