Energy-efficient renovation of existing buildings
Max Amount: €150.000
Click for information about KfW programs and calculations
What is KfW Financing?
KfW (Kreditanstalt für Wiederaufbau) offers subsidized loans for energy-efficient construction and renovation. These promotional loans can be combined with regular bank loans to reduce overall financing costs.
KfW Programs
KfW 261 - Residential Building Loan
Energy-efficient renovation of existing buildings
KfW 297 - Climate-friendly New Construction
New construction of climate-friendly residential buildings
KfW 300 - Home Ownership for Families
New build/purchase for families with children (income limit €90,000)
KfW 308 - Young Buys Old
Purchase of existing properties with renovation obligation for families
KfW 124 - Home Ownership Program
Purchase or construction of owner-occupied property
KfW 134 - Cooperative Housing
Acquisition of cooperative shares for owner-occupancy
How It Works
1. Apply for a KfW loan through your regular bank
2. The KfW loan is combined with your bank loan
3. You benefit from the lower blended interest rate
Calculation Formulas
(Bank × Bank Rate + KfW × KfW Rate) ÷ TotalLoan × (Interest + Repayment) ÷ 12Market Cost − Combined CostTips
- KfW loans often allow special repayments without prepayment penalty
- Check current funding conditions on the KfW website
- Applications are always submitted through your regular bank