ᐅ KfW financing – is it necessary or not?

Created on: 24 Jun 2020 11:13
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Ybias78
My question about building a new KfW 55 or better house: What exactly does it mean? Yesterday, I spoke with the managing director of a public construction company, and he advised me not to build a KfW house.

a) You would need a building supervisor (who is also specialized in this field).
b) If you insulate the house well, etc., the additional costs are low.

Furthermore, he recommended using a gas boiler + solar including battery instead of an air-to-water heat pump + solar including battery. The initial costs are much lower, and you will never recover the higher acquisition costs.

I am a bit confused. I originally planned to build at least a KfW 55 house.

For your information, our plot is fully developed, and a gas connection is available.
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MayrCh
26 Jun 2020 18:39
@parcus:

Much of what you write seems random and disconnected; I either can’t identify your main points or don’t find them convincing.
parcus schrieb:

There will be no efficiency improvement with photovoltaics
Besides KfW55 being cheaper to build than the Energy Saving Regulation, this is another statement I absolutely cannot agree with. Since quite a number of polycrystalline modules are still being installed, and the Fraunhofer ISE only opened a new photovoltaics center two years ago, I would argue the opposite here: there is still significant potential for efficiency improvements in photovoltaics, both in the modules and in the inverters.
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Bookstar
26 Jun 2020 18:42
Heating pads between kfw55 and kfw70 no longer differ significantly. User behavior plays a bigger role. Much of it is just theoretical.
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pagoni2020
27 Jun 2020 00:07
@parcus
Thank you for your response to my question. Of course, everyone here has all kinds of questions, and I am always interested in different perspectives and their backgrounds. This will already be my third house in life, and in many ways, I have my own individual criteria. I keep noticing that some discussions focus too much on technical and calculative details, but I believe that the behavior of the occupants has the biggest impact. Back in 1990, I built a nice house according to the standards of the time, and with careful energy use, we always stayed well below comparable houses and would probably still be somewhere in the middle today.
I read so many different viewpoints, certifications, and must-haves here, but I am convinced that 95% of these often hotly debated topics will not noticeably affect everyday life in the house; after all, that is what building a house is all about.
I have lived in various houses and regions and have always made sure that I feel comfortable while using as little unnecessary energy as possible.
What I have learned from all these building experiences is that almost all predictions regarding housebuilding—whether about property value, cost developments, or technical changes—have usually turned out very differently than expected.
Sometimes, I find it hard to imagine how some people can truly feel comfortable in their homes amid all the confusion about numbers, trends, and forecasts.
What you write may be true, or it may not, and the same goes for the opposing views. I don’t know... but until then, I use my time to enjoy feeling comfortable in my home, far away from the craze for subsidies, technical high performance, or anticipated trends.
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pagoni2020
27 Jun 2020 00:16
hampshire schrieb:

Make confident decisions and build the way you want instead of stretching yourself to qualify for subsidies. Build one or two sizes smaller than you could. Focus on the quality of life during the years living in the house rather than building for a hypothetical future buyer. Stay relaxed, hire local tradespeople, and enjoy the construction process. Simply don’t let others stress you out about what “people” do these days, while still being interested in technology and methods.
It’s actually not that hard.

Thank you @hampshire.
I see this as a good approach. I notice that I take a different path with each house build precisely because my personal situation changes each time. This time, working with a general contractor and hopefully more calmness, but with somewhat less freedom, and where it matters to me or brings joy, investing in the highest quality; elsewhere perhaps more minimalist and/or unconventional, and if possible without any external constraints. I am more interested in the reasons behind decisions than just the numbers, without neglecting them. That’s why I asked what a homeowner should do today.
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parcus
27 Jun 2020 09:57
@nordanney

No one can give you an actual consumption value, since it doesn’t exist; user behavior would have to be identical for that.

@Musketier

Looking for something doesn’t change which facts allow for an objective evaluation and which do not.

@MayrCh

I’m not talking about theories but facts. The efficiency of photovoltaics has been poor for decades.
Whether an investment (e.g., KfW55 standard) pays off can also be calculated. On "bauen-energie" you’ll find some examples for investors.
They also offer a webinar for engineers and architects, which is recognized by the professional chambers.
Anyone else can also participate for free.

@pagoni2020

From that perspective, everything depends on us as consumers. Real estate hasn’t been much of a risk so far either.
Feeling comfortable is certainly very important, but that can already depend on a neighbor.
I just wanted to point out that a lot of what is happening here is currently politically driven and cannot be scientifically proven.
On the other hand, where else do tax funds actually return and at the same time serve as part of the security—whether for retirement or heirs.
And of course, I see myself in my job as a sort of “advocate” for the builder in dealing with authorities.
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MayrCh
27 Jun 2020 16:49
parcus schrieb:

The efficiency of photovoltaics has been poor for decades.

This type of nostalgic representation is precisely the main reason why the German "key technologies" are currently being surpassed from both east and west. Clearly, the efficiency of photovoltaics was mediocre for decades because there was no market pull to significantly improve efficiency. Area costs nothing, but development and innovation do. As soon as the ISE spent less than two years on research: boom, efficiency records started to come in. As I said, there is still a lot of potential.
parcus schrieb:

but facts.

Ah. Then back up your claim that KfW-55 is cheaper to build than the Energy Saving Ordinance with actual evidence. Even KfW itself states about ~10% additional costs here. Incidentally, I can confirm this roughly, as I had my building project quoted as KfW 70 (Energy Saving Ordinance), KfW 55, and KfW 40.