ᐅ Is it worth paying extra for KFW55 energy standard, or not?

Created on: 17 Dec 2017 11:35
4
4Motion
Hello community!

We are building with high thermal insulating thermobricks, but only to the Energy Saving Ordinance standard. So far, no KfW55 level, more like KfW70 if you will. The extra cost for better insulation is 7,800€ plus either a photovoltaic system or 4 decentralized ventilation units.
(We don’t have a central controlled ventilation system installed. That’s a separate topic. My wife doesn’t want it and money is tight.)
You have to subtract a 5,000€ grant but add back about 1,500€ for the KfW certification. The subsidized interest rates don’t really offer any advantage or are even worse than regular financing options.
In the end, there are roughly 8,000€ additional costs that you would have to save with reduced energy consumption.
1. Does this take forever? What do you think?

KfW55 will become mandatory by law in 2021. Soon our house would therefore be energy-wise outdated and probably worth less. But KfW70 was still subsidized two years ago and is actually quite good already, right?
2. Even if it might not be economically worthwhile today, would you still opt for better insulation?

3. Can an air-to-water heat pump be operated without issues in a house built to Energy Saving Ordinance standards, or would it then become a major electricity consumer?
G
Ghostwriter
17 Dec 2017 19:07
4Motion schrieb:
Thanks for the answers so far.

Why do we want an air-to-water heat pump?

I hadn’t questioned it until now since we also want KfW55 standard, and underfloor heating instead of radiators, and air-to-water heat pumps are so common and well promoted.
The base price otherwise would include a gas condensing boiler.
The extra cost for the air-to-water heat pump is €6900 compared to the gas heating system.
Then you also save on gas connection costs. Unless you really want a gas stove.
4
4Motion
17 Dec 2017 19:16
Regarding ventilation: For the large bathroom, we were considering a supply/exhaust fan and for the spacious living/dining area, two fans operating alternately. Would that be acceptable as well?

Trickle vents and exhaust fans in the bathrooms are good in the sense that the fans do not cause disturbance. I just need to get used to the concept of making an airtight house less airtight again.
4
4Motion
17 Dec 2017 19:21
According to the offer, the KfW55 surcharge results from better insulation of the roof (additional external roof insulation), the exterior walls, the roller shutters, the windows, and the basement (perimeter and floor insulation).
A
Alex85
17 Dec 2017 19:23
Additional roof insulation and the windows determine the price. Roller shutter boxes are negligible, the basement, walls, and perimeter insulation are already there and just need to be made thicker.

Regarding the extra costs, I would avoid it; it’s not worth it. The program conditions have simply become too unfavorable. We just financed 20 years at just under 2%, while the KfW offers an excellent 2.6%. Thanks to the development plan, we are actually building to KfW 55 standard (almost 40), but nowadays no one really wants their money! The repayment grant doesn’t change that, especially since the appraiser fees are twice as high (despite separate funding). It’s a shame, really.
ares8317 Dec 2017 20:00
I would skip the additional costs and just go with the energy saving regulations using gas. How much can you really save with KFW 55? €150 (about $160) per year? Even with rising prices, you can heat for several years with that amount, and you shouldn't forget that you first have to finance the extra costs. The additional interest (making the KFW loan effectively more expensive than a bank loan) also needs to be taken into account.

As for the alternating fans in the living area, I would avoid that—at least in our experience, it was a hassle.
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Nordlys
17 Dec 2017 20:20
We have installed a Junkers gas condensing boiler. The house stays warm, it’s easy to operate, and I estimate annual costs around 600 euros. However, this still needs to be confirmed, as it’s just an estimate so far.
Window rebate ventilators. Well, every ventilation system can cause some drafts. If everything is completely sealed, no air circulates. I don’t want to miss them. There is always fresh air coming into the room from outside. The Helios exhaust rotor system extracts air from the house and pushes it out, while fresh air flows in through the window rebates. Simple, effective, and it only costs about 1000 euros gross.
Keep it simple, keep it affordable, durable, and reliable.
What isn’t there can’t break down, doesn’t need maintenance, and causes no worries. That’s how all of England thinks, and so far, they’ve always won the wars, while we have only come in second.[emoji41]