Supplementary loan for home energy upgrades (358/359)
Borrow up to €120,000 per dwelling for energy improvements to German homes that already have an eligible KfW or BAFA grant approval.
Αυτή η ευκαιρία είναι προς το παρόν διαθέσιμη στα Αγγλικά.
Finance grant-approved improvements such as heating replacement, insulation or energy controls. This is extra borrowing alongside your grant, not another grant: you repay the loan with interest.
The amount is calculated from the eligible costs in your grant decisions, up to €120,000 per dwelling; Plus 358 covers only your own occupied dwelling. The grant is deducted from the maximum loan unless you also borrow temporarily to cover it while awaiting payment. If you do, repay that part through your financing partner promptly, no later than three months after the grant is paid.
You can choose a loan with an initial interest-only period followed by equal monthly payments covering interest and repayment, with a term of 4–35 years. Alternatively, pay interest throughout a 4–10-year term and repay the whole loan at the end. Plus 358 gives qualifying owner-occupiers an additional interest reduction during the first period for which the rate is fixed. Agree the assets or other security required for the loan with your financing partner.
Draw down the loan within 12 months of approval, extendable to 36 months. From month 13, undrawn amounts incur a charge of 0.15% per month.
Eligibility
The work must be on a residential building or dwelling in Germany. You need an approved, unpaid KfW or BAFA grant under the BEG EM rules for individual energy improvements dated 21 December 2023 or 17 July 2026. The loan application must be made within 12 months of that grant approval.
- Standard 359: for those commissioning eligible work, including individuals, condominium owners’ associations (WEG), civil-law partnerships, sole traders, freelancers, companies, public-law bodies, nonprofits and other private-law legal entities, including housing cooperatives and energy-service contractors. Federal and state governments, their institutions and political parties cannot apply.
- Plus 358: for private owners living in a single-family home or their separately owned apartment as their main or sole residence, with annual household taxable income no higher than €90,000. Use the average for the second and third calendar years before applying, as shown in tax assessments. Count adult owners registered there as their main or sole residence and their spouses, civil partners or cohabiting partners registered there on the same basis; minors are excluded.
- Multi-family buildings and shared property: an undivided multi-family building uses 359. For work on common property, the WEG must apply collectively under 359 using its grant approval. Its appointed property management submits the application; only if no management has been appointed may an authorised owner do so. Common property includes windows, load-bearing parts and central heating serving the building, even where a component is inside an apartment. An individual owner’s additional income or early-heating-replacement bonus does not support a separate loan application. An owner applies separately under 358 or 359 only for work exclusively on their legally separate property (Sondereigentum), such as non-load-bearing internal walls or a heating system owned with their apartment. The legal ownership boundary, not simply where the work takes place, determines the route.
Normally, the grant approval must be in the loan applicant’s name. A bank-agreed exception allows the grant recipient to be jointly liable rather than the first loan applicant if both belong to the funded household and its relevant average taxable income is no more than €90,000.
Refinancing existing debt and retrospective extra finance for cost overruns are excluded; documented temporary finance is not treated as refinancing. You may nevertheless begin the approved work after the grant decision and before applying for this loan.
How to apply
- Κατάσταση
- Ανοιχτό συνεχώς
- Περιορισμοί γύρου
- KfW must receive the loan application within 12 months of the eligible grant approval, before grant payout. Funding depends on available budget; there is no legal entitlement.
Take your KfW grant approval and/or BAFA award notice to a financing partner such as a bank, savings bank, building society or insurer. It submits the loan application to KfW; do not apply for this loan through the grant portal. KfW must receive the application within 12 months of the grant decision, before the grant has been paid.
For Plus, also provide a land-register extract proving ownership, registration certificates proving the relevant household members’ main or sole residence, and their tax assessments for the second and third calendar years before application.
After receiving the KfW grant payout confirmation or BAFA final award notice, submit it to your financing partner promptly and within three months. Submit both if both grants were used to calculate the loan. Report changes affecting eligibility or funding promptly through the partner. Keep application documents, invoices, payment records and grant confirmations for ten years after loan approval.