Federal loan with Tilgungszuschuss for renovating an existing building to Effizienzhaus level (or buying a freshly renovated one). Applicant can be the group entity: “Privatpersonen und WEG, Unternehmen, Körperschaften des öffentlichen Rechts, gemeinnützige Organisationen, Vereine, Kirchen, Wohnungsbaugenossenschaften”. Conditions were re-set on 2026-07-21 (BMWE).
- Up to €150,000 per Wohneinheit (Effizienzhaus with EE or NH class).
- Tilgungszuschuss: EH40 EE 10 % (max €15k) / EH40 NH 15 % (max €22.5k); EH55 EE 5 % / NH 10 %; EH70 NH 5 %; EH85 NH 5 %; EH Denkmal EE 5 % / NH 10 %. EH70 EE and EH85 EE: no grant. Bonuses: Worst Performing Building +10 %, Serielle Sanierung +15 %.
- Term up to 30 yr, Zinsbindung up to 10 yr; rate set at Zusage (volatile).
- Gates: Energieeffizienz-Experte mandatory (BzA before, BnD after); no owner-occupancy, income or child gate; no Umschuldung/Nachfinanzierung; grid-feeding PV → kfw-270.
- Path: Hausbankprinzip via Finanzierungspartner, before Vorhabensbeginn.
- Kumulierung: combinable with kfw-159 and kfw-124/kfw-308; not with bafa-beg-em / kfw-458 for the same measure (BEG rule: WG and EM exclude each other per measure); state energy loans may be stacked up to the eligible-cost ceiling.
Related
- bafa-beg-em — the single-measure grant alternative
- kfw-458 — heating grant (owner-occupiers) / 459 for the entity
- kfw-159 — barrier-reduction loan to stack
- kfw-308 — family loan designed to pair with it
- syndikat-haus-gmbh, eg-cooperative — typical entity borrowers
Detail
Cohousing reading: the standard route for a Syndikat-GmbH or eG buying and refurbishing an old house — the entity borrows and keeps the grant; members are not gated.