Dear Forum,
Since 2014, we have owned our semi-detached house from 1962. There is significant renovation needed, and now we are ready to start. The following measures are planned:
- Replacement of windows and doors
- Heating system change from a central oil-fired stove to a gas central heating system (condensing boiler including solar thermal)
- Roof insulation and re-roofing
- Renovation of the existing bathroom plus installation of a new bathroom in the converted attic
That’s quite a project. Altogether, this will cost around 180,000€ (approximately 195,000 USD). We plan to finance it with 25,000€ (about 27,000 USD) of equity, 50,000€ (around 54,000 USD) from KfW individual measure funding, and a bank loan of 105,000€ (about 114,000 USD). This plan does not include external insulation.
For the KfW individual measures, we need a certified energy consultant from the official expert list. The consultant now recommends the KfW 115 standard house: this would include external insulation (mineral wool) and different windows with a lower U-value. The additional costs are about 28,800€ (approximately 31,400 USD), according to a quote from a renovation company. Only two of the three walls would be insulated; the south side is clad externally with lime panels, giving the house a nice 60s look. We would want to keep this anyway; for the KfW 115 option, lime-silicate panels would be installed on the interior walls on that side.
We are actually leaning towards the option without insulation. I don’t really see the advantages, and anyway I think that if we have problems after replacing the windows in the non-insulated version, we could at worst adjust with lime-silicate panels later. What do you think? Tomorrow we’re going to the bank first, and a comparison meeting with Interhyp is also planned. Oh, and we currently live in the house, as we used to rent it before.
Best regards and many thanks for your ideas,
Stefan
Since 2014, we have owned our semi-detached house from 1962. There is significant renovation needed, and now we are ready to start. The following measures are planned:
- Replacement of windows and doors
- Heating system change from a central oil-fired stove to a gas central heating system (condensing boiler including solar thermal)
- Roof insulation and re-roofing
- Renovation of the existing bathroom plus installation of a new bathroom in the converted attic
That’s quite a project. Altogether, this will cost around 180,000€ (approximately 195,000 USD). We plan to finance it with 25,000€ (about 27,000 USD) of equity, 50,000€ (around 54,000 USD) from KfW individual measure funding, and a bank loan of 105,000€ (about 114,000 USD). This plan does not include external insulation.
For the KfW individual measures, we need a certified energy consultant from the official expert list. The consultant now recommends the KfW 115 standard house: this would include external insulation (mineral wool) and different windows with a lower U-value. The additional costs are about 28,800€ (approximately 31,400 USD), according to a quote from a renovation company. Only two of the three walls would be insulated; the south side is clad externally with lime panels, giving the house a nice 60s look. We would want to keep this anyway; for the KfW 115 option, lime-silicate panels would be installed on the interior walls on that side.
We are actually leaning towards the option without insulation. I don’t really see the advantages, and anyway I think that if we have problems after replacing the windows in the non-insulated version, we could at worst adjust with lime-silicate panels later. What do you think? Tomorrow we’re going to the bank first, and a comparison meeting with Interhyp is also planned. Oh, and we currently live in the house, as we used to rent it before.
Best regards and many thanks for your ideas,
Stefan
N
nightdancer14 Sep 2016 09:09Elina schrieb:
Achieving the KfW 115 standard with a gas heating system is difficult..That’s not true at all. It always depends on the circumstances. I achieve KfW 85 with an oil condensing boiler, and even with pellets I wouldn’t reach KfW 55. While others do manage that very well.....
B
Blackeagle1 Nov 2016 01:31You can forget about your energy consultant. You should consider changing them.
You can achieve KfW 115 even without insulation measures on the facade.
If you’re already renovating, I would also rethink your financing. The KfW offers the 151 loan with up to 100,000 euros at 0.75% interest, including a 12.5% repayment grant.
That way, you would only need a 50,000-euro bank loan. Even with Commerzbank, the interest rates are higher at 0.99%. The fixed interest period is the same (10 years), so you would definitely finance more cheaply. Regarding the 115 standard, here’s a tip: have an independent expert calculate the savings a air-source heat pump can provide.
If you install roof insulation, new windows, and maybe a floor heating system instead of a condensing boiler, the air-source heat pump will reduce your primary energy demand by more kWh than the condensing boiler and solar thermal combined. Above all, don’t let your consultant tell you which products to install. You can save quite a bit of money that way.
Unfortunately, I don’t have space on my property for an air-source heat pump.
The KfW doesn’t dictate which manufacturers you must use; they only care about the values for reducing primary energy demand.
Consultants’ calculation software usually only includes the most well-known manufacturers.
My solar thermal system is from Austria Email and costs about half as much as Paradigma but achieves a similarly good rating at half the price. It ranked fourth-best in tests, which was only slightly behind the top model by Porsche in the solar thermal area.
With floor heating, you can also save money by choosing a dry screed or flowing screed system, for example. Selfio offers floor heating kits for self-installation.
They assist with planning, provide you with an offer, and even complete the necessary hydraulic balancing for the consultant.
For my 102 sqm (1,097 sq ft) home, I paid around 4,500 euros for a complete dry screed installation.
Replacing a radiator with a valve costs at least 500 euros per radiator (including installation). I have 7 radiators that would need replacing, and the cost estimate came to around 6,500 euros including VAT.
You can have a technician do the connection and pressure test. You only need the specialist contractor’s declaration for the KfW, which your trusted company that oversees the professional installation will provide.
You can achieve KfW 115 even without insulation measures on the facade.
If you’re already renovating, I would also rethink your financing. The KfW offers the 151 loan with up to 100,000 euros at 0.75% interest, including a 12.5% repayment grant.
That way, you would only need a 50,000-euro bank loan. Even with Commerzbank, the interest rates are higher at 0.99%. The fixed interest period is the same (10 years), so you would definitely finance more cheaply. Regarding the 115 standard, here’s a tip: have an independent expert calculate the savings a air-source heat pump can provide.
If you install roof insulation, new windows, and maybe a floor heating system instead of a condensing boiler, the air-source heat pump will reduce your primary energy demand by more kWh than the condensing boiler and solar thermal combined. Above all, don’t let your consultant tell you which products to install. You can save quite a bit of money that way.
Unfortunately, I don’t have space on my property for an air-source heat pump.
The KfW doesn’t dictate which manufacturers you must use; they only care about the values for reducing primary energy demand.
Consultants’ calculation software usually only includes the most well-known manufacturers.
My solar thermal system is from Austria Email and costs about half as much as Paradigma but achieves a similarly good rating at half the price. It ranked fourth-best in tests, which was only slightly behind the top model by Porsche in the solar thermal area.
With floor heating, you can also save money by choosing a dry screed or flowing screed system, for example. Selfio offers floor heating kits for self-installation.
They assist with planning, provide you with an offer, and even complete the necessary hydraulic balancing for the consultant.
For my 102 sqm (1,097 sq ft) home, I paid around 4,500 euros for a complete dry screed installation.
Replacing a radiator with a valve costs at least 500 euros per radiator (including installation). I have 7 radiators that would need replacing, and the cost estimate came to around 6,500 euros including VAT.
You can have a technician do the connection and pressure test. You only need the specialist contractor’s declaration for the KfW, which your trusted company that oversees the professional installation will provide.
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