Hello everyone,
a few months ago, we had an initial meeting with a construction manager/developer. Together, we discussed a KfW70 standard house (for funding reasons) with a gas boiler and solar thermal system. It was said to be no problem.
Yesterday, the statement came from the responsible architect, who is also officially listed as a KfW consultant (see KfW website), that her program/calculator shows our desired KfW70 house would only be achievable with a heat pump. If we still want a gas boiler with solar thermal, we would need to make some "adjustments" to the windows (something to do with noble gas filling).
I always thought a KfW70 house consumes only 70% of the energy of a reference house, which, in my understanding, is reflected in the insulation. Are the heating systems also compared in their specific energy consumption?
a few months ago, we had an initial meeting with a construction manager/developer. Together, we discussed a KfW70 standard house (for funding reasons) with a gas boiler and solar thermal system. It was said to be no problem.
Yesterday, the statement came from the responsible architect, who is also officially listed as a KfW consultant (see KfW website), that her program/calculator shows our desired KfW70 house would only be achievable with a heat pump. If we still want a gas boiler with solar thermal, we would need to make some "adjustments" to the windows (something to do with noble gas filling).
I always thought a KfW70 house consumes only 70% of the energy of a reference house, which, in my understanding, is reflected in the insulation. Are the heating systems also compared in their specific energy consumption?
So, I can’t get 1.4% with Ing-Diba. I have offers that are slightly higher. Over a longer term, of course, the differences in total interest add up. Also, I want to diversify the financing, so not everything with one lender.
Our architect, who is handling the planning, is also a KFW advisor, so we are basically getting the KFW consultation at a preferred rate.
Ventilation is definitely not an option for me.
One more interesting point: At the start of the discussions (a few weeks ago), the same house would still have qualified as KFW 70 with gas plus solar. Allegedly, they have quietly tightened the conditions.
Our architect, who is handling the planning, is also a KFW advisor, so we are basically getting the KFW consultation at a preferred rate.
Ventilation is definitely not an option for me.
One more interesting point: At the start of the discussions (a few weeks ago), the same house would still have qualified as KFW 70 with gas plus solar. Allegedly, they have quietly tightened the conditions.
daytona schrieb:
I can’t get 1.4% with Ing-Diba. I have offers that are slightly above that. Naturally, the longer the term, the larger the differences in total interest add up. Also, I want to diversify the financing, so not everything with one lender.I got 1.36% from Ing-Diba for 10 years, probably depends on the loan-to-value ratio. You shouldn’t expect more than 10 years for the fixed term because after that the KfW interest rate expires anyway. Even if you take the KfW loan without repayment (and put the repayment into the other loan), with an interest rate difference of, say, 0.2%, you only save about €100 (around $110) per year, so about €1,000 (around $1,100) in total. Almost nothing.daytona schrieb:
Our architect, who is handling the planning, is also a KfW advisor, so we basically get the KfW consultation at a discounted price. A ventilation system is absolutely out of the question for me. Another interesting fact: at the start of the discussions (a few weeks ago), the same house would still have qualified as KfW 70 with gas plus solar. Allegedly, they quietly tightened the requirements.Discounted price ≠ free. But it’s not only about the consultation; it’s also about supervision. KfW 70 definitely requires corresponding on-site construction supervision, which usually is not free (and should not be confused with standard construction supervision).The conditions were not quietly tightened at all. That’s nonsense.
You can only get the KfW interest rates fixed for 10 years.
The conditions are not secretly being tightened; the primary energy factor for electricity will be improved, which has a positive effect on heat pumps. This will take effect on January 1, 2016.
If you are building next year anyway, you must comply with the current KfW 70 standard, which will become the minimum energy-saving regulation standard on January 1, 2016.
This information is well known, so it seems your architect was not well informed...
The conditions are not secretly being tightened; the primary energy factor for electricity will be improved, which has a positive effect on heat pumps. This will take effect on January 1, 2016.
If you are building next year anyway, you must comply with the current KfW 70 standard, which will become the minimum energy-saving regulation standard on January 1, 2016.
This information is well known, so it seems your architect was not well informed...
If the construction takes place next year, KfW70 will no longer be available as it is being discontinued.
Subsidies are only offered from KfW55 onwards, but you won't be able to achieve that if KfW70 is already a challenge.
Then you only have to comply with the new Energy Saving Regulation requirements, which are not exactly the same as KfW70!
The maximum allowed specific heat demand (qp) is tightened by 25%, not by 30% as it is currently for KfW70.
Subsidies are only offered from KfW55 onwards, but you won't be able to achieve that if KfW70 is already a challenge.
Then you only have to comply with the new Energy Saving Regulation requirements, which are not exactly the same as KfW70!
The maximum allowed specific heat demand (qp) is tightened by 25%, not by 30% as it is currently for KfW70.
KfW70 has the advantage of providing a certified target that can be verified. In my opinion, it’s not just about paperwork but also about the guaranteed commitment that the building is constructed as agreed. This can be arranged differently, but it should then also be contractually fixed. You shouldn’t rely on a general contractor’s claim that it’s “just paperwork.” If you want to build according to the “old” Energy Saving Ordinance standard, you must submit the building permit / planning permission application before January 1, 2016, although you don’t necessarily have to start construction in 2015. After that date, you have to meet requirements close to KfW70 anyway.
oleda222 schrieb:
You only get the KfW interest rate fixed for 10 years. I would also fix the interest rate with my primary bank for only 10 years since I already have a good follow-up financing option in sight.
For my project, forgoing the KfW 70 subsidy and instead increasing the loan by €50,000 (about $54,000) with the primary bank would mean about €240 (about $260) more in interest per year.
Now, of course, you can ask the key question again about the additional costs of KfW 70 building materials or the annual costs of gas plus solar versus a heat pump...
Our architect and KfW advisor plans, submits applications, and supervises or conducts the final inspection. (Everything from a single source)
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