ᐅ How do you properly balance the requirements of the Building Energy Act against the standards of KfW 55, 40, and 40 Plus?
Created on: 14 Mar 2021 16:10
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--Lars--
Hi everyone,
We are currently planning our single-family home and are receiving different recommendations from various builders regarding construction with or without meeting certain KfW standards. We are planning a solid masonry construction.
We would like to independently review the advantages and disadvantages and are wondering which points should be considered. From our perspective, these are the following:
Thank you for your feedback.
We are currently planning our single-family home and are receiving different recommendations from various builders regarding construction with or without meeting certain KfW standards. We are planning a solid masonry construction.
We would like to independently review the advantages and disadvantages and are wondering which points should be considered. From our perspective, these are the following:
- Financial considerations - The repayment subsidy for KfW55 is usually about the same as the additional construction costs, so it balances out more or less
- Indoor climate - Excessive insulation can negatively impact indoor air quality (we only know this from friends, but aren’t sure if this is always the case)
- Land utilization - Using an external thermal insulation composite system (ETICS) can achieve KfW55 with thinner walls, which on our narrow plot would allow about 10m² (108 sq ft) more living space
- Value retention - Are there any experience reports regarding the value retention of the different construction methods?
- Energy-efficient construction saves heating costs over time, so building energy-efficient should be cheaper in the long run
- KfW loans currently don’t play a major role, as banks offer similar or even better conditions
Thank you for your feedback.
N
nordanney15 Mar 2021 16:27--Lars-- schrieb:
Are the grants for that higher than the repayment grants from the combined programs?Of course not.At the beginning of 2020, we faced the same question.
A prefabricated house or timber frame construction was not an option.
The solution was to apply for two residential units with two KfW55 loans of 120,000 euros each. The loan is fully repaid within 4 years. This results in a net benefit of about 32,000 euros.
There was not much difference between the construction standard we originally planned and the KfW55 standard. The only thing worth mentioning is the 36.5 cm (14.4 inches) brick insulated with mineral wool. But we probably would have chosen that anyway. And the blower door test cost 450 euros.
KfW40 was never an option for me. I don’t want any external thermal insulation composite system (ETICS) / external wall insulation.
A prefabricated house or timber frame construction was not an option.
The solution was to apply for two residential units with two KfW55 loans of 120,000 euros each. The loan is fully repaid within 4 years. This results in a net benefit of about 32,000 euros.
There was not much difference between the construction standard we originally planned and the KfW55 standard. The only thing worth mentioning is the 36.5 cm (14.4 inches) brick insulated with mineral wool. But we probably would have chosen that anyway. And the blower door test cost 450 euros.
KfW40 was never an option for me. I don’t want any external thermal insulation composite system (ETICS) / external wall insulation.
I just thought of something:
A mechanical ventilation system with heat recovery is highly recommended in a modern new build. It also helps to achieve the energy performance required for the KfW55 standard. If the system is integrated into the heat pump, the mechanical ventilation along with the heat pump will receive a subsidy of at least 35%, including the entire distribution system such as ducts, ceiling outlets, etc.
A mechanical ventilation system with heat recovery is highly recommended in a modern new build. It also helps to achieve the energy performance required for the KfW55 standard. If the system is integrated into the heat pump, the mechanical ventilation along with the heat pump will receive a subsidy of at least 35%, including the entire distribution system such as ducts, ceiling outlets, etc.
M
Martial.white17 Mar 2021 10:21GSGaucho schrieb:
A mechanical ventilation system with heat recovery is highly recommended in modern new buildings. If it is integrated into the heat pump, the mechanical ventilation system along with the heat pump receives a subsidy of at least 35%. Yes, mechanical ventilation with heat recovery is advisable.
No, it is no longer subsidized.
W
WilderSueden17 Mar 2021 18:30GSGaucho schrieb:
KFW40 was never an option for me. I don’t want to use external thermal insulation composite systems (ETICS).ETICS is not necessarily required, nor are timber studs. We will meet the KfW40 standard with 40cm Ytong (16 inches). If you don’t like Ytong, you can also use insulated bricks without making the walls extremely thick.
askforafriend18 Mar 2021 11:59We are currently considering a plan leaning towards KFW40 EE – in my current opinion, which might change 😉 this represents a very good balance of additional investment costs, subsidies, and heating cost ratio.
I would choose a controlled ventilation system mainly because we cannot guarantee that the entire house will be aired out every 2 hours by opening the windows.
I would choose a controlled ventilation system mainly because we cannot guarantee that the entire house will be aired out every 2 hours by opening the windows.
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