ᐅ With or without KfW70? How much additional cost does KfW70 involve?
Created on: 21 Sep 2013 12:34
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PetriHello everyone,
I have the following questions and maybe someone can help me with them:
We are in the process of planning a house. After already receiving help and answers here regarding the floor plan and realistic costs, we are now considering another topic.
Build with or without KfW 70 standard?
– for approximately 149 m² (1600 sq ft) of living space, underfloor heating, and an air-source heat pump, solid construction house
How much extra would it cost to build according to the KfW 70 standard? Is there a general estimate, or a guideline figure?
Or would a standard energy-efficient house (according to the Energy Saving Ordinance 2014 in our case) be sufficient?
Best regards,
Petri
I have the following questions and maybe someone can help me with them:
We are in the process of planning a house. After already receiving help and answers here regarding the floor plan and realistic costs, we are now considering another topic.
Build with or without KfW 70 standard?
– for approximately 149 m² (1600 sq ft) of living space, underfloor heating, and an air-source heat pump, solid construction house
How much extra would it cost to build according to the KfW 70 standard? Is there a general estimate, or a guideline figure?
Or would a standard energy-efficient house (according to the Energy Saving Ordinance 2014 in our case) be sufficient?
Best regards,
Petri
Hello Petri,
from my experience, you cannot determine that in advance without the final planning. In our case, we knew beforehand that we were building to KFW70 standard. That’s why, even before the floor plan design (we had a custom floor plan), we planned for subfloor insulation, solar thermal panels for hot water preparation, triple glazing with an 88mm (3.5 inches) installation depth, and a 7-chamber window system.
After the final planning, these measures were no longer sufficient. The reason: contrary to our initial assumption, we planned almost all our windows as floor-to-ceiling, so the total window area increased significantly :-) We also increased the living area and added a bay window during the follow-up planning. After this, we needed to implement additional measures. We decided to expand the existing solar panels to 12m² (130 sq ft) and provide supplemental heating support. This way, we returned to the KFW70 standard.
All measures cost us about €13,000. Considering the interest rate difference between a KFW loan (€50,000) and a non-KFW loan, it was worthwhile for us.
from my experience, you cannot determine that in advance without the final planning. In our case, we knew beforehand that we were building to KFW70 standard. That’s why, even before the floor plan design (we had a custom floor plan), we planned for subfloor insulation, solar thermal panels for hot water preparation, triple glazing with an 88mm (3.5 inches) installation depth, and a 7-chamber window system.
After the final planning, these measures were no longer sufficient. The reason: contrary to our initial assumption, we planned almost all our windows as floor-to-ceiling, so the total window area increased significantly :-) We also increased the living area and added a bay window during the follow-up planning. After this, we needed to implement additional measures. We decided to expand the existing solar panels to 12m² (130 sq ft) and provide supplemental heating support. This way, we returned to the KFW70 standard.
All measures cost us about €13,000. Considering the interest rate difference between a KFW loan (€50,000) and a non-KFW loan, it was worthwhile for us.
I can’t imagine that it was financially worthwhile, considering only the interest rates. After all, the KfW loan has the disadvantage of interest-only repayment years and a maximum term of 10 years. After that, you have to refinance or pay it off completely.
It’s much more interesting to look at the energy costs. Will you recover the additional investment or not? For that, you have to estimate the increase in electricity prices (which is impossible to predict).
Also, how does the heat pump perform in winter in a KfW-certified house compared to one that might be less well insulated? For this, you need to ask someone knowledgeable who has the relevant figures on hand—numbers like your planned setup and the design of your build.
You can’t expect a general answer.
It’s much more interesting to look at the energy costs. Will you recover the additional investment or not? For that, you have to estimate the increase in electricity prices (which is impossible to predict).
Also, how does the heat pump perform in winter in a KfW-certified house compared to one that might be less well insulated? For this, you need to ask someone knowledgeable who has the relevant figures on hand—numbers like your planned setup and the design of your build.
You can’t expect a general answer.
KfW 70 is another step towards the future (compared to the 2009 Energy Saving Ordinance) that is not too expensive. A house needs technology and insulation anyway, so investing a few thousand can significantly improve the energy performance of a home.
Upgrading later is difficult...
The resale value should also be taken into account.
Upgrading later is difficult...
The resale value should also be taken into account.
ypg schrieb:
KfW 70 is another step towards the future (compared to the 2009 Energy Saving Ordinance), and it’s not too expensive. A house needs technology and insulation anyway, so investing a few thousand can make the house much more energy-efficient. Upgrading later is difficult...
The resale value should also be considered.I agree
P
perlenmann27 Sep 2013 08:11Well,
how much extra does a "KfW70" cost? That varies from case to case and property to property. Solar thermal panels on the roof cost money, improve the numbers on paper, but bring almost no real benefit. In return, YOU get a nice KfW70 rating. Personally, I would rather achieve the KfW70 status through thicker insulation.
If KfW70 costs around 10,000€ (about $11,000) extra, you have to factor in the interest on that amount and compare it to the (expected) savings on heating costs.
I also don’t find the resale argument convincing for the reasons mentioned above. To justify a KfW70 house, you’d need to get at least 15,000€ (about $16,500) more when selling. However, the price of a house is usually more influenced by demand than by a certification on paper.
how much extra does a "KfW70" cost? That varies from case to case and property to property. Solar thermal panels on the roof cost money, improve the numbers on paper, but bring almost no real benefit. In return, YOU get a nice KfW70 rating. Personally, I would rather achieve the KfW70 status through thicker insulation.
If KfW70 costs around 10,000€ (about $11,000) extra, you have to factor in the interest on that amount and compare it to the (expected) savings on heating costs.
I also don’t find the resale argument convincing for the reasons mentioned above. To justify a KfW70 house, you’d need to get at least 15,000€ (about $16,500) more when selling. However, the price of a house is usually more influenced by demand than by a certification on paper.
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