Funding for New Construction (Private Individuals)

The KfW Banking Group offers nationwide low-interest loans for private individuals planning the new construction or purchase of an owner-occupied house or condominium. The focus is on financial support for climate-friendly new buildings as well as energetically efficient residential buildings. Eligible construction projects are those that meet the Efficiency House standards or the criteria of the Sustainable Building Quality Network (QNG) and utilize renewable energies. Families, single parents, and other builders benefit from a credit limit of up to €270,000 with a full funding rate of 100%. For the QNG funding level, sustainability consulting is recommended, while for all Efficiency House variants, the involvement of an energy efficiency expert is a prerequisite.

Applications can be submitted at any time through the financing house bank or a credit institution. Required documents include the application forms from the house bank, proof of the achieved energy efficiency class, and, for QNG funding, confirmation of the sustainability consultation. Evaluation criteria include the achieved Efficiency House standard, the use of renewable energies, and—in the case of special family tariffs—household size and income. The loan is characterized by long-term reduced interest rates and can be combined with other KfW programs. In this way, not only is the dream of homeownership realized, but an active contribution to climate protection and sustainable urban development is also made.