Entity-level federal loan for cheap-to-build new flats (EH55, cost- and size-capped, no fossil/biomass heating). Applicants: “Privatpersonen, Unternehmen und kommunale Unternehmen, Wohnungsbaugenossenschaften, Wohneigentumsgemeinschaften”, associations and non-profits — i.e. the group vehicle can borrow.
- Up to €100,000 per Wohneinheit.
- Term 4–35 yr, 10-yr Zinsbindung, rate set at Zusage (volatile); 100 % Auszahlung within 12 months. No Tilgungszuschuss.
- Gates: ≥ EH55; lifecycle-GHG threshold; minimum room count per floor area; lifecycle cost caps per m² (figures live in the KfW Technische Mindestanforderungen — open question (not a fact): current €/m² caps not extracted today); no fossil or biomass heat generator. No owner-occupancy, income or child gate.
- Path: Experte prepares Lebenszyklusanalyse → Finanzierungspartner → Zusage before Baubeginn → BnD.
- Kumulierung: in multi-unit buildings 296 may be combined with kfw-297-298 or kfw-300 across different units. Member-level kfw-134 unaffected.
Why it matters for groups: the cost caps reward the sober, compact typologies most cohousing projects plan anyway, and the loan is not tied to QNG paperwork.
Related
- kfw-297-298 — the standard KFN line
- eg-cooperative, gmbh-ggmbh-project, weg-baugruppe — eligible borrowers
- soziale-wohnraumfoerderung — state affordable-housing loans stacked underneath