homeowners who want to renovate their property, by the state. Low-interest loans and grants for the energy-efficient renovation and Heating with renewable energies, but also for barrier-free remodeling, and more protection against burglars.

A variety of Federal offer of programs of the KfW-Bank and the Federal office for economy and foreign trade control (Bafa). In addition, the länder provide regional pots of money. Often, several programs can be combined with each other. The most important funding programs at a Glance:

energy-efficient renovation

Who wants to convert his property to a KfW-efficiency house or single-energy action plans, has the choice between a series of support measures. Thus, the KfW provides cheap loans from 0.75 percent per annum and with up to 27.500 euros subsidy for loan repayment. For apartments, that can be converted to a KfW efficiency house, the loan amount up to 100,000 Euro for individual measures up to EUR 50,000.

For private owners, there is alternatively the possibility to get an investment grant of up to € 30,000 for energy retrofitting of the apartment.

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the loan sum need to be aware of: the amount of The loan amount depends on the purchase price of the property or the cost of construction, your available equity and a possible risk-discount of the Bank. In particular, builders should calculate just. Already, two coated cost can blow up strokes of the construction of a tight Budget. Then an expensive follow-up financing is necessary.


An additional credit for the conversion of the heating system to renewable energies: up to 50,000 euros per apartment to the effective annual interest rate of 1.16 per cent.

anyone Who installs a fuel cell system, receives from KfW of up to 28.200 Euro subsidy per fuel cell.

Who instructs in the course of renovation measures, energy efficiency experts, can pick up from the KfW for a grant of up to 4000 Euro. The Bafa is also up to 1100 Euro for the energy consultants.

Renewable energy

Who can built facilities for the use of renewable energy, expands or acquires a KfW loan from the 1.0 percent annual effective interest rate. Be encouraged, photovoltaic systems, hydropower, wind power, combined heat and power (CHP) plants based on biomass, Biogas or geothermal energy, as well as plants for the production, purification and feed-in of Biogas, biogas pipes and storage battery.

display a family So you get baukinder money

Also, the Bafa promotes Heating with renewable energy: biomass systems (Pellet and Hackschnitzelöfen, combination boilers and wood log gasification boilers), solar thermal systems and efficient heat pumps with up to 4000 Euro subsidised. as well as energy management Software.

For Mini-CHP plants with a capacity of up to 20 kilowatts, it is from the Bafa for an investment grant of up to 3925 euros for particularly efficient systems.

in addition, the acfa supports a number of niche products such as micro-hydro power plants, plants for the local production of oxygen or decentralized units for heat recovery from waste water in buildings.

Age to rebuild and break-in protection

Who protects his apartment barrier free remodels, and better against burglars, you can get a KfW promotional loan of 50,000 Euro from 0.75 percent per annum.

private individuals can alternatively receive a grant of up to 6250 Euro for measures to barrier reduction.

Up to 1600 euros as subsidy for protection against burglary, for example, for the installation of secure entrance doors, locks, alarm systems and camera systems.

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if you want to purchase a property, get now credit deals with no equity. And should still have the Finger, as in the case of fully financing the cost of financing will increase significantly. The Council of the Stiftung Warentest: “For a solid financing, you should be able to any and all additional costs and, in addition, at least 10 to 20 percent of the purchase price from its own resources. The more you use, the better. But keep a safety margin of for example three month’s net wages.”

©Rawpixel Regional funding programs

in addition to the Federal programs, there are numerous regional funds. In North Rhine-Westphalia, for example, the NRW promotes Bank General building renovations with loans of up to 100,000 euros per apartment, and a possible down payment discount of 20 percent. For the disabled retrofit of an apartment, the NRW-Bank, granted a special loan of up to € 40,000. Also in the other Federal States there are regional programmes for the promotion of energy and non-energy renovations.

sources: KfW-programs / Bafa / funding database of the Federal Ministry of economy / consumer (Overview of nationwide and regional programmes)

architecture contest: Timeless beauty dream homes: the winners of The houses-Award 2019 Fullscreen

1. Price: house Späckhuggaren in Kärna, Sweden

The winner comes from the rural Idyll of Sweden’s West coast: “The cubic Holzbau surprised interiors with split levels and air. Generous family living here in a small space possible,” is the verdict of the Jury.

©HOUSES / Bert Leandersson


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