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!
Hello everyone,
first of all, thank you for your discussion!
The decision has been made: it will be KfW 40 with external thermal insulation composite system (ETICS). The main reason is financing... the calculations look quite different with KfW, and we also believe that a KfW 40 house will be more in demand in the future than a 55. We welcome the annual energy savings, but they are not the primary factor.
At some point, you just have to make a decision, and there are pros and cons for everything. The issue with sound insulation only reinforced this.
Now we have another topic with the energy consultant, but formally there will be a new thread for that.
first of all, thank you for your discussion!
The decision has been made: it will be KfW 40 with external thermal insulation composite system (ETICS). The main reason is financing... the calculations look quite different with KfW, and we also believe that a KfW 40 house will be more in demand in the future than a 55. We welcome the annual energy savings, but they are not the primary factor.
At some point, you just have to make a decision, and there are pros and cons for everything. The issue with sound insulation only reinforced this.
Now we have another topic with the energy consultant, but formally there will be a new thread for that.
Ari_tau schrieb:
First of all, thanks for your discussion!
The decision has been made: it will be KfW 40 with ETICS. The main reason is financing... the calculation looks quite different with KfW, and we also believe that a KfW 40 house will be more in demand in the future than a 55. Thank you as well for your feedback. The conclusion of the quote holds true if the resale takes place within this decade. I have certainly mentioned several times that a higher KfW efficiency level is economically largely neutral overall. An ETICS can also be an excellent sound transmitter, so I am somewhat surprised by your decision given the nature of your question.
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