Apply for a loan to build or purchase a KfW Efficiency House

You and your financing partner must submit the application for funding in writing to the Kreditanstalt für Wiederaufbau (KfW).

• You look for an energy efficiency expert in your area on the website of the German Energy Agency (dena).
• You discuss the planning and monitoring of your refurbishment measure with the expert. This expert will check the eligibility of your measure and prepare the confirmation for the application (BzA). The expert will provide you with the identification number (ID) of the BZA (BzA-ID), which you will need for your application.
• Talk to your financing partner (a bank, building society or financial intermediary with whom you would like to take out your construction financing) about including a development loan. They will advise you on which additional documents are required and will submit the application to KfW on your behalf.
• KfW will review your application and inform you or your financing partner whether your loan with repayment subsidy will be approved.
• If KfW has approved your funding application, you conclude a loan agreement with your financing partner
• As soon as you have received approval for your funding, you can start the construction work or conclude the purchase contract.
• Depending on the progress of the construction work, your financing partner will pay you the loan in one lump sum or in installments.
• Once you have completed the project, you must provide your financing partner with proof,
  • that you have spent the money from the loan on the planned measure and
  • that your measure meets the standard of a KfW Efficiency House.
• Your financing partner checks and confirms your evidence and forwards it to KfW.
• If KfW has also checked the evidence, you will receive the repayment subsidy as a credit to your loan account. This reduces your loan term.
  

Applications can be submitted by

• anyone building a residential property,
• first-time buyers of a newly constructed residential property,
• Contractors who plan, build and operate energy-efficient refurbishment measures on behalf of others

The following are eligible to apply:

• All sponsors of investment measures in newly constructed owner-occupied or rented residential buildings and condominiums
• Buyers of newly constructed residential buildings or condominiums

Further requirements:

• The application must be submitted before construction work begins.
• The residential property must meet the minimum technical requirements for a KfW Efficiency House

You must involve an energy efficiency expert from the federal government's list of experts

You must submit your application to your financing partner:

• Confirmation of application

Once you have completed your measure, you must submit the following to your financing partner:

• Confirmation after implementation

You will receive both confirmations from your energy efficiency expert.

Not applicable

• Application: before the start of construction work
• Loan drawdown period: within 12 months of commitment, extension to a maximum of 36 months is possible.
• Commitment fee: You pay no commitment fee in the first 12 months after commitment
• Proof of use of funds: within 15 months of full disbursement of the loan
  

3 to 5 days

Note:
You can start implementing the measure immediately after you have been approved for funding.

Leaflet Energy-efficient construction - Loan (153)

• §§ Sections 23 and 44 of the Federal Budget Code (BHO) (analogous application)
• Leaflet Energy-efficient construction - Loan (153)
• Minimum technical requirements for energy-efficient construction - loan (153)

• Forms: yes
• Online procedure possible: no
• Written form required: yes
• Personal appearance required: no (depends on the procedure of the financing partner)

Note:
You will receive the original forms from your financing partner. You fill out the forms together.

05.10.2020