ᐅ Same Price: KfW 55 with Poroton solid masonry OR KfW 40 with Poroton insulated exterior wall system (ETICS)?
Created on: 5 May 2023 13:33
A
Ari_tau
Hello everyone,
The recent shock with one house provider has settled, and we have started over again. We have made good progress, and one provider has now drawn our house and created several offers with different masonry options based on our request. We compared the financing and calculated it down (KfW 40 with 100,000 euros for 1.54% interest rate target).
Assumptions: The houses vary in price, but the more expensive one qualifies for KfW financing, so the costs balance out. The question now is:
Exactly the same house,
a) KfW 55 with Poroton (brick - 36.5 cm (14 inches) thickness / Thermo Plan S-8 or T-8), 36.5 cm (14 inches) monolithic construction
OR
b) KfW 40 with Poroton (brick - 24.0 cm (9.5 inches) thickness / Thermoplan T-14) plus 18 cm (7 inches) Styrodur insulation
For the KfW 40 house, the remaining debt after 10 years is 4,000 euros higher; however, assuming an annual heating cost saving of 200 euros compared to the KfW 55, this difference would be recovered within 20 years. Therefore, I would say the overall cost or remaining debt after 10 years is basically the same.
What would you choose and why? Can it be said that a KfW 40 house has a higher resale value?
Thanks and best regards!
The recent shock with one house provider has settled, and we have started over again. We have made good progress, and one provider has now drawn our house and created several offers with different masonry options based on our request. We compared the financing and calculated it down (KfW 40 with 100,000 euros for 1.54% interest rate target).
Assumptions: The houses vary in price, but the more expensive one qualifies for KfW financing, so the costs balance out. The question now is:
Exactly the same house,
a) KfW 55 with Poroton (brick - 36.5 cm (14 inches) thickness / Thermo Plan S-8 or T-8), 36.5 cm (14 inches) monolithic construction
OR
b) KfW 40 with Poroton (brick - 24.0 cm (9.5 inches) thickness / Thermoplan T-14) plus 18 cm (7 inches) Styrodur insulation
For the KfW 40 house, the remaining debt after 10 years is 4,000 euros higher; however, assuming an annual heating cost saving of 200 euros compared to the KfW 55, this difference would be recovered within 20 years. Therefore, I would say the overall cost or remaining debt after 10 years is basically the same.
What would you choose and why? Can it be said that a KfW 40 house has a higher resale value?
Thanks and best regards!
K
KarstenausNRW5 May 2023 15:26Ari_tau schrieb:
Already done in the meantime 😉 I don't know exactly how much difference 5 dB makes, but the difference is noticeable.An increase of 6 dB means doubling the sound pressure—clearly noticeable to your ear (with 10 dB, the perceived loudness doubles). So conversely, a 5 dB change represents a significant (positive) improvement in noise insulation.X
xMisterDx5 May 2023 17:07I would always choose the option without plastic waste on the facade, especially since the masonry at these levels (0.08 lambda is really good, the equivalent for aerated concrete is Ytong Thermsuper) is no longer the decisive factor.
The focus then shifts to the windows.
In my case, the windows lose roughly as much heat as the masonry (Porit 36.5, lambda 0.09). Yet, the windows only make up about 20% of the facade area.
And the noise from the neighbor’s garden comes through the windows and through the attic with a suspended ceiling and mineral wool insulation...
The focus then shifts to the windows.
In my case, the windows lose roughly as much heat as the masonry (Porit 36.5, lambda 0.09). Yet, the windows only make up about 20% of the facade area.
And the noise from the neighbor’s garden comes through the windows and through the attic with a suspended ceiling and mineral wool insulation...
Ari_tau schrieb:
We have come quite far, and a supplier has now designed our house for us and unfortunately, you haven’t shared it here (?)
Ari_tau schrieb:
and, at our request, provided several quotes with different masonry options. I hope you have kept 11ant Steinemantra in mind and have not asked for variants that he is not experienced with. A typical builder usually works with two standard wall constructions. If options A and B are used roughly 60:40 or 40:60 among the houses he builds, you can equally choose either A or B. If the ratio is 3:1, I would clearly prefer the more common option. Under no circumstances would I choose X or Y (which would both be a first for him) or swap out the brick or one of the two wall leaves within A or B for an unfamiliar product (unless it was only an upgrade, for example switching from a standard unfilled brick to its insulated version). In that sense, it would always be the worst mistake in my opinion if the builder offered you “everything you want.” As a joke, I would ask such a candidate to explain the concept of the stretcher bond in simple terms (or to recite any standard installation guideline).
https://www.instagram.com/11antgmxde/
https://www.linkedin.com/company/bauen-jetzt/
H
HoisleBauer225 May 2023 18:05Is it really an issue if the construction company only builds the more specialized masonry about five times a year instead of fifty? Especially since you can regularly supervise the company with an expert if you want everything done perfectly...
@11ant How many cases do you know of where the construction company really messed up badly and made serious mistakes that they then had to fix?
@11ant How many cases do you know of where the construction company really messed up badly and made serious mistakes that they then had to fix?
X
xMisterDx5 May 2023 18:28HoisleBauer22 schrieb:
Is it really an issue if the construction company only builds the more specialized masonry maybe five times a year instead of fifty? Especially since you can regularly have an expert inspector closely monitor the work if you want it done perfectly... Who is more likely to grill a steak perfectly… someone who does it daily or someone who only throws one on the charcoal grill during summer?
Routine allows work to be done efficiently and with minimal mistakes. And in skilled trades, about 90% of the work is routine.
Regarding the expert inspector — sure, you can send that steak back from the charcoal grill until it’s done just right.
But why put yourself through that stress? It’s better to just go to a steakhouse in the first place.
Oh, and it’s not like the masons stand at attention and nod respectfully when the expert shows up. Often, the construction site is halted until a legal resolution is reached. That can even take years.
HoisleBauer22 schrieb:
Is it really a problem if the construction company only builds this more specialized masonry about five times a year instead of fifty? Especially since you can regularly have an expert closely supervise the work if you want it done perfectly... The expert usually supports the process on-site, but thorough planning is already preventive. Even a single-family house with a straightforward floor plan has around a hundred or so corners where various materials meet. You can look for challenges everywhere, but you don’t have to. Take, for example, stones with very different weights: even with similar handling weight, they come in completely different sizes—or conversely: with similar specific weight but different dimensions, different techniques and tools are needed for their installation. If a worker doesn’t have the right tool at hand, they will usually improvise with an unsuitable one rather than fetch the correct tool. A classic example is using the usual bag of mortar—for stones that have completely different handling requirements. There is such a widespread lack of awareness that verges on negligent carelessness, making “perfection” a completely unrealistic standard given the potential consequences.
HoisleBauer22 schrieb:
@11ant How many cases have you seen where the construction company seriously messed up and made major mistakes that they then had to fix? Personally, meaning directly involved or for “my” clients, I cannot recall any. The first reason is “prevention” through careful selection of contractors, whom I always consider as part of a system of techniques and materials. The second reason is simply that I am not a construction damage expert, so cases like that never come across my desk. However, I have seen many such cases in this and other forums. If you search here for terms like “overlap measurement” or “professionally done,” you will get an indicator of the casual attitude toward structural work and component connections. Especially when it comes to wall and floor coverings, customers often increase the risk by requesting à la carte materials and/or extravagant installation methods (or oversized formats).
https://www.instagram.com/11antgmxde/
https://www.linkedin.com/company/bauen-jetzt/
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