ᐅ Adding a second residential unit to the house to qualify for KfW subsidy program 153
Created on: 6 Dec 2017 16:36
H
HäuslebauerEE
Hello everyone,
The KfW funding program 153 has been discussed here several times, but I couldn’t find an answer to my specific question in the search. Here is the issue:
We are planning a single-family house with about 200 m² (2,150 sq ft) of living space. In the initial talks with our preferred construction company and the "seller" (timber frame construction), the idea was suggested: simply add an additional living unit on the ground floor, since then the KfW bank would provide an additional loan including a subsidy (KfW 55 house). This initially sounded great because we wouldn’t have to change our floor plan, and only needed to install a connection for a washing machine and a shower in the bathroom.
However, during further planning with the involvement of an architect, it suddenly became much more complicated. Now, separate electricity meters are required, special ceiling insulation (apparently necessary if the apartment is rented out, which we have no intention of doing), and our staircase needs to be enclosed with doors to meet F90 fire protection standards. This makes no sense to us at all, as it a) results in significant extra cost and b) these doors don’t fit into our design at all. At the bank, we had already planned to apply for the KfW loan twice. (This can be changed, but it fit well into our calculations.)
So my question is: Is it possible to obtain the KfW loan without these complex requirements? Maybe someone has had similar experiences and can offer advice – I’m grateful for any tips.
Thanks in advance, and have a nice evening everyone.
The KfW funding program 153 has been discussed here several times, but I couldn’t find an answer to my specific question in the search. Here is the issue:
We are planning a single-family house with about 200 m² (2,150 sq ft) of living space. In the initial talks with our preferred construction company and the "seller" (timber frame construction), the idea was suggested: simply add an additional living unit on the ground floor, since then the KfW bank would provide an additional loan including a subsidy (KfW 55 house). This initially sounded great because we wouldn’t have to change our floor plan, and only needed to install a connection for a washing machine and a shower in the bathroom.
However, during further planning with the involvement of an architect, it suddenly became much more complicated. Now, separate electricity meters are required, special ceiling insulation (apparently necessary if the apartment is rented out, which we have no intention of doing), and our staircase needs to be enclosed with doors to meet F90 fire protection standards. This makes no sense to us at all, as it a) results in significant extra cost and b) these doors don’t fit into our design at all. At the bank, we had already planned to apply for the KfW loan twice. (This can be changed, but it fit well into our calculations.)
So my question is: Is it possible to obtain the KfW loan without these complex requirements? Maybe someone has had similar experiences and can offer advice – I’m grateful for any tips.
Thanks in advance, and have a nice evening everyone.
Alex85 schrieb:
The issue with extra insulation (soundproofing?) applies to apartment buildings, but not to multiple housing units within a single- or two-family home.Where does this misconception come from?
The established technical building regulation according to the state building code is DIN 4109. This standard addresses sound transmission within multi-story apartment buildings and single-family semi-detached and terraced houses.
As soon as there are 2 housing units of any kind in one building, DIN 4109 is the absolute minimum requirement. This can lead to additional construction work compared to a single-family house, where there is no sound transmission between separate housing units.
T
toxicmolotof6 Dec 2017 23:01Your wording is incorrect @ypg.
It should say: [...] and thus exploits all taxpayers.
Well, that goes too far.
It should say: [...] and thus exploits all taxpayers.
Well, that goes too far.
MayrCh schrieb:
Where does this misconception come from?
The applicable technical building regulation according to the state building code is DIN 4109. This standard addresses sound transmission within multi-story apartment buildings, as well as semi-detached and terraced houses.
As soon as there are two residential units of any kind within one building, DIN 4109 is the absolute minimum requirement. That is why there may be additional construction efforts compared to a single-family house, since in that case there is no sound transmission between different residential units.First of all, this is neither about multi-story apartment buildings nor semi-detached or terraced houses.
Furthermore, the KfW defines for itself and its funding program what constitutes an independent dwelling, and these criteria are significantly less extensive than the regulations you mentioned.
"An independent dwelling is defined as a self-contained apartment (own entrance, cooking facilities, running water, and toilet) that is suitable and intended for permanent residence."
The critical point is the own entrance, which cannot simply be created if one wants to separate a floor in a single-family house in this way. This requires additional apartment doors, a common hallway, and/or similar features.
Anyone who meets these criteria does not need to feel guilty or expect legal action, as they fully comply with the funding requirements—even if some might disapprove of this subsidy.
T
toxicmolotof7 Dec 2017 09:22Alex85 schrieb:
that is suitable and intended for permanent residence.Here Alex is back to those great definitions again. But who decides whether a residential unit is intended as a dwelling? Please consider the causal chain behind this.
I know plenty of people who have planned (and also built) a second living unit and were therefore able to claim subsidies two or three times. But in my opinion, if you say A, you must also be able to say B. It must, as you yourself say, be suitable and intended as an independent dwelling.
Hello,
we are currently building a house that includes a second living unit, which is required at the moment. However, if no one is going to live there and you only want to receive the funding, you should carefully consider the additional effort involved.
For example, we had to install a higher level of sound insulation in the secondary unit, which did not have to be included in the KfW funding application but had to be part of the building permit / planning permission.
Not to mention the second bathroom, kitchen connections, separate meter, and private entrance door.
Of course, these things do not cost the full 100,000 you receive, but it is not free either.
For us, the most important thing was that we are not forced to rent it out in case our housemate is no longer there and the children are not interested.
we are currently building a house that includes a second living unit, which is required at the moment. However, if no one is going to live there and you only want to receive the funding, you should carefully consider the additional effort involved.
For example, we had to install a higher level of sound insulation in the secondary unit, which did not have to be included in the KfW funding application but had to be part of the building permit / planning permission.
Not to mention the second bathroom, kitchen connections, separate meter, and private entrance door.
Of course, these things do not cost the full 100,000 you receive, but it is not free either.
For us, the most important thing was that we are not forced to rent it out in case our housemate is no longer there and the children are not interested.
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