ᐅ Single-family house with two housing units eligible for KFW funding

Buddy90 schrieb:

I am still in the middle of planning a single-family house (approximate base dimensions 10x8.80m (33x29 feet)).

Not really in the middle. You are still circling around the pool several times due to a lack of readiness for a systematic approach (which I thought was the case so far) …

Buddy90 schrieb:

The KfW advisor suggested that we might consider two separate living units so that we could receive a total of €200,000 at KfW financing terms…

… and now there is a questionable advisor involved who risks his listing by encouraging circumventions. If KfW’s rules are at least loosely based on the tax code, then structuring eligibility should not be the main focus and might even lead to legal consequences.

Buddy90 schrieb:

What might a floor plan look like that would be accepted by KfW as two separate living units, but would ultimately be used as a single-family home?

You won’t manage that with a 10-meter (33-foot) ridge length, because the most economical solution is when the secondary apartment is an extension attached to the ground floor of the main apartment: for example, by placing the children’s rooms with a children’s bathroom and at least a kitchenette for independent household management next to it. Do you have children close to adulthood for whom a gradual transition to independence would make sense?

Everything has already been said about the efficiency upgrade of the energy-efficient house standard (in general, not just for “maximizing funding”—a zero-sum game or pointless exercise) and about the issue of “fake” or sham secondary apartments instead of real ones.

---

https://www.instagram.com/11antgmxde/
https://www.linkedin.com/company/bauen-jetzt/

roteweste schrieb:

One should also not forget the initial 5 repayment-free years.

However, this only benefits a few, for whatever reason. I only had one or two years without repayments and would have declined them in hindsight, as I would have finished the financing two years earlier.

Arauki11 schrieb:

I would just try searching online with the keywords: "How to cheat without getting caught."
Apart from that, this idea from the "consultant" (instigator) is simply nonsense from an economic and planning perspective; was he previously involved in the travel sales business?

If two residential units are approved, then there is also eligibility for funding for two residential units. Whether a dog, a cat, or silverfish end up living in the second unit does not concern the funding provider.

This has nothing to do with fraud. It has already been mentioned that the 298 conditions are not profitable.

ypg schrieb:

But that only benefits a few people, for whatever reason. I only had one or two years with no repayments, and in hindsight, I would have declined that because I would have finished paying off the loan two years earlier.

It depends. For us, it coincides with a time when my wife is either working part-time or on parental leave. If we have extra money left at the end of the year, we can use the difference to make a special repayment on the loan with the bank.

For us, that amounts to a savings of 380 euros per month (about 410 USD) for the first five years. However, we financed through the 300 program.

ypg schrieb:

Which only benefits a few people, for whatever reason. I only had one or two years without repayments, which I would have declined in hindsight, because I would have finished the financing two years earlier.

With the KfW 300, this might be worthwhile if you invest part of the saved repayments into the main loan at 3.X% interest. You would have to calculate it.

HuppelHuppel schrieb:

Whether it’s a dog, a cat, or silverfish living in the second dwelling unit, the funding agency doesn’t care.

Sorry, that’s nonsense – I would rather write the truth in the application and see whether it really doesn’t matter or if it actually contradicts the intended purpose of the funding.
I once knew someone who always made decisions based on where they could get the most benefits for themselves, without regard for the community. That’s bad, but it can be addressed.
So should I design my house based on how to fraudulently obtain funding? I don’t follow that logic, because such a floor plan requires adjustments that affect the main layout.
There is a lot of complaining about Ukrainians receiving social welfare and other things (which might be justified, I do not want to judge that), but often it helps if you just look in the mirror and see someone behaving no differently than what they loudly condemn in others, often even worse.
And: Just because you do it as a “German” in your own country doesn’t make it any better.
Not everything that is not explicitly forbidden is therefore permitted. Cum-Ex also exploited a loophole.