ᐅ Single-family house with two housing units eligible for KFW funding

Created on: 12 Aug 2025 21:51
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Buddy90
Hello everyone!
I am still in the middle of planning a single-family house (approximate base dimensions 10 x 8.80 m (33 x 29 ft)).
The KFW advisor suggested that we might consider having two separate dwelling units so that we could qualify for a total of €200,000 under KFW terms…

What might a floor plan look like that would be accepted by KFW as two dwelling units but can still be used as a single-family house in practice?

The plan is for a monolithic construction house with, of course, a photovoltaic system, heat pump, and controlled mechanical ventilation.
What additional work would roughly be required to achieve KFW40 standard in order to benefit from the KFW terms?

I would really appreciate any input.
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nordanney
14 Aug 2025 15:05
Schorsch_baut schrieb:

Our neighbors are currently renovating their facade, which was insulated in the 1990s. They are removing everything and starting over.
It is also possible, if desired, to add insulation on top of the existing one. Since the old insulation is probably not very thick, this is usually not a problem. The only requirement is that the old plaster should be in good condition.
Of course, you can also make things more complicated and expensive for yourself.
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Schorsch_baut
14 Aug 2025 15:26
nordanney schrieb:

If desired, you can simply add insulation on top. Since the old insulation is probably not very thick, this is not a problem. Only the old plaster needs to be in good condition.
But you can also make it more complicated and expensive.

We also considered that, but then the insulation would have been almost as expensive or the layer very thick. The old insulation was made of polystyrene and was very crumbly on the south side. Now they are insulating with softwood fiberboard panels.
11ant14 Aug 2025 17:34
Buddy90 schrieb:

THANK YOU!
Your thanks for the most insignificant sentence of my brief reply is only mildly appreciated, especially since you simultaneously criticize @Papierturm for his efforts to provide a helpful answer. That makes me less inclined to respond to you.
https://www.instagram.com/11antgmxde/
https://www.linkedin.com/company/bauen-jetzt/
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Buddy90
15 Aug 2025 05:59
Well... I asked a specific question... And a long text was written that simply didn’t answer my question...

There is a reason why I directly ask whether a monolithic construction is more cost-effective...

I am well aware that it has to comply with the building permit / planning permission and so on...
familie_s16 Aug 2025 13:27
Arauki11 schrieb:

@familie_s How are you insulating your roof, and with what materials? I'm curious.
We have now installed 6cm (2.4 inches) Pavatex wood fiber insulation on the roof frame, and between the rafters there will be an additional 24cm (9.5 inches) of wood fiber insulation.

Sorry for the late reply. Building takes a lot of time.
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Arauki11
16 Aug 2025 17:51
familie_s schrieb:

We have now installed 6cm (2.4 inches) Pavatex wood fiber insulation on the roof frame, and between the rafters there will be another 24cm (9.4 inches) of wood fiber.
Sorry for the late reply. Building takes a lot of time.

No problem.
That sounds good. We also insulated our roof with 24cm (9.4 inches), I think it’s called PIR. I just wanted to suggest adding an intermediate layer of wood fiber and to take a closer look at sound insulation, because the intermediate layer can help prevent the occasional cracking noise from PIR insulation caused by rising temperatures. But in your case, it seems different.