ᐅ Cost Planning

Hello,

I will most likely buy a plot of land next week and am therefore just at the very beginning.

A financing inquiry is in progress, and an appointment with a structural engineer is already scheduled.

The plot is 630m² (6,780 sq ft) in size, with a site coverage ratio of 0.3.

I have the option to build to KfW 70, 55, or 40 standards (preferably 40+). KfW 70 is the minimum standard nowadays, so no funding is available for that level.

Ideally, I would like to be completely independent of electricity and gas, so a 40+ standard with photovoltaic panels plus battery storage and a heat pump.

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One thought I had: Is it possible to do without a heat pump and instead invest more in photovoltaic panels, so that heating is done purely electrically?

I noted down the data from the photovoltaic system at my workplace:

Maximum inverter output: 14.6kW (May).

Energy yield during the summer months is 1700–1900 kWh/month.

In the heating-intensive winter months, 160–300 kWh/month.

Now I wonder if a 55 or 40 standard house can get by with 80–150 kWh per month for heating energy?

Electrical energy from photovoltaics can be converted to heat almost without losses, and thanks to phase shifting in a passive house, it can be used without storage. The waste heat from the TV or refrigerator also contributes.

At my first meeting with a structural engineer, I mentioned this idea, and the answer was, “No one has thought of that yet... it would need to be calculated.” Apparently, there are other factors that negatively affect the calculations for fully electric heating.

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Next question: roughly how much does each house type cost at KfW 70/55/40?

1. Bungalow (Is it even possible to use the roof at KfW 40 standard?)

2. Two-story house with a gable roof – the ideal standard ;-)

3. Two-story house with a hipped roof – my favorite

Floor area about 120–130m² (1,290–1,400 sq ft).

At the first visit, I was told that with reasonable finishes (bathroom, tiles, etc.), the bungalow would be roughly €180,000. Number 3 would be around €350,000 at KfW 70.

I don’t want to do any work myself. Everything should be done perfectly.

Is this realistic?

Ideally, next to the house there should be a large double garage (€25,000?).

Is there a website where completed homeowners present their houses including all costs? That would really help me a lot.

Best regards,
Becker84

Hello,
Why not start by browsing through the forum a bit? I invite you to do so. After all, there’s no need to write again what has already been discussed recently 😉

Good evening,

Becker84 schrieb:

One thought that came to mind: Is it possible to skip the heat pump and instead invest more in photovoltaic panels, so that heating is done purely electrically?

That is definitely possible; however, I doubt whether it would still qualify as KfW 55 or even 40+. Ultimately, that shouldn’t matter if your main goal is to reduce electricity and heating costs close to zero.

Becker84 schrieb:

... thanks to phase shifting in a passive house, this can also be used without storage. The waste heat from the TV or refrigerator still helps heat the space.

Your profile picture indicates you’re from Lower Saxony. If Lehrte isn’t too far for you, it might be worth visiting a well-known local provider there. They have built a real passive house in their small model home park. It is hard to imagine a more embarrassing property and thus worse advertising for the company: on a Monday morning, the model home staff was sitting in the office with a portable heater*.

This is a classic example of how all the calculations often look good only on paper. A passive house is calculated also based on the body heat of its occupants. The problem is, most people first have to earn the money before they can spend it 😉

*Since this experience happened several years ago, it’s possible that the model home is now only open during the summer; that’s how I would handle it.

Regards, Bauexperte

I did some research and became a bit confused about the price differences between a bungalow and a gable roof house.

124m² (1,335 sq ft) bungalow:
€156,900 Energy Saving Regulation 2016
€174,900 KfW-55
€189,900 KfW-40
€204,900 KfW-40 Plus
see: doesn’t matter

Energy Saving Regulation 2016 -> KfW-55 = + €18,000
KfW-55 -> KfW-40 = + €15,000
KfW-40 -> KfW-40 Plus = + €15,000

Gable roof house 121m² (1,303 sq ft):
€136,900 Energy Saving Regulation 2016
€159,900 KfW-55
€172,900 KfW-40
€184,900 KfW-40 Plus
see: doesn’t matter

Energy Saving Regulation 2016 -> KfW-55 = + €23,000
KfW-55 -> KfW-40 = + €13,000
KfW-40 -> KfW-40 Plus = + €12,000

Are these figures realistic?

I thought a bungalow would be significantly cheaper than a gable roof house 🤨

P.S. I didn’t intend to build with this provider; I’m just interested in the prices.

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Musketier

No. A bungalow is more expensive because it has more exterior surface area. Larger roof area, larger foundation slab.
If there are additional costs for the excavation work, these will also be higher. On the other hand, the costs for the staircase are eliminated.

One more thing about the prices you posted. The website you linked shows very low prices.

There is also a thread in the forum where the general consensus is that building at those prices is no longer feasible. So please don't rely on those prices; instead, plan for around 1500–1600€/m².