Home ownership for families – new construction (300)
A subsidised loan for families with children and limited household income to build or buy a new climate-friendly home they will live in in Germany.
Tämän rahoitusmahdollisuuden kuvaus on toistaiseksi englanniksi.
Finance the construction or first purchase of one new house or apartment in Germany. A first purchase must take place within 12 months of formal acceptance of the building work. The loan can cover building costs, expert planning and construction supervision, the assessment of emissions over the building's life, and sustainability certification. Land costs are excluded. If you do work yourself, only the directly related materials qualify, with the energy expert confirming the work and costs.
The maximum loan depends on your qualifying children and the building standard. The higher amounts require QNG sustainability certification, explained below. You cannot borrow more than the eligible costs.
| Children | Climate-friendly home | With QNG certification |
|---|---|---|
| 1–2 | €170,000 | €220,000 |
| 3–4 | €200,000 | €250,000 |
| 5 or more | €220,000 | €270,000 |
These are ceilings, not minimum loan amounts.
You repay the loan with interest. Terms range from 4 to 35 years: depending on the option, you initially pay interest only and then make monthly payments covering interest and the loan, or repay the whole loan at the end of a 4–10-year term. The interest subsidy applies during the first fixed-rate period, up to ten years; a later renewal is not federally subsidised. Your financing partner agrees the security you must provide. Early repayment must cover the entire outstanding loan and carries a compensation charge; partial extra repayments are not allowed.
Undrawn loan money attracts a fee of 0.15% a month from month 13 after approval. Once drawn, money must be used for the approved purpose within 12 months or an interest surcharge applies.
Eligibility
- Apply as an individual, alone or with your spouse or partner. At application, your household must include at least one biological or adopted child under 18; a child turning 18 that day also counts. Children born later do not count. A child registered in both separated parents' households can count for both. A civil-law partnership (GbR) cannot apply.
- Annual taxable household income must not exceed €90,000 for one child, plus €10,000 for each additional qualifying child. Use the average of the second and third tax years before application: 2024 and 2023 for a 2026 application. Count the future household's spouses/partners or single parent's income, not children's income; this is taxable income shown on tax assessments, not gross salary.
- The future household's partners or single parent must own at least 50% of the new home. It must be a main or sole residence. At application, neither those adults nor their children may already own residential property in Germany, even a small share, whether occupied, rented out, vacant or used by others. An applicant or future household member who has received Baukindergeld (424), this programme (300), or Jung kauft Alt (308) is excluded. Support is once only for a maximum of one dwelling.
- Live in the home as an owner for at least five years after moving in. An interruption of up to two years extends the required period by the time away; the obligation ends no later than the end of the first fixed-rate period. If you stop living in the home during the required period, the annual borrowing rate increases by one percentage point from that date; it does not increase by another point each year. The home must remain in residential use for at least ten years. Report changes such as ending occupation, falling below 50% ownership or demolition immediately: KfW can reclaim part of the support.
- The building must meet Efficiency House 40: its calculated annual primary-energy demand must be no more than 40%, and heat loss through the building's outer surfaces no more than 55%, of the statutory reference building. It must also pass the programme's assessment of greenhouse-gas emissions over its life. Your energy expert verifies these tests. For the higher loan ceiling, an accredited body must additionally certify the building to QNG-PLUS or QNG-PREMIUM, covering wider sustainability requirements such as materials and accessibility.
- The building's heating equipment cannot use fossil fuels or biomass, including in hybrid systems. There are exceptions for heat supplied through networks: a small building network can use up to 30% of its annual heat from these fuels if it serves at least one building built before 1995 or with a building application before 1 January 1995. This category covers networks serving up to 16 buildings and 100 dwellings; larger heat networks do not have this fuel restriction. A biomass room stove is allowed only if it is not needed to meet the heating load and is excluded from the building's energy calculation.
- Holiday/weekend homes and shared-flat use are excluded. This loan cannot replace existing borrowing or provide additional financing for an already-started or completed project, including covering a cost overrun. A first purchase split artificially into a land contract and a separate construction contract is also excluded where a single contract subject to the German developer rules could have been used.
- You cannot combine this loan for the same property with programmes 261, 461, 297/298, 299, 498 or 499. Other support can be combined only within eligible costs, with further exclusions for the same costs under the Kälte-Klima-Richtlinie, combined heat and power law (KWKG), renewable energy law (EEG) and federal efficient heat-network funding.
How to apply
- Tila
- Jatkuva haku
- Hakukierroksen ehdot
- Subject to available funds; the application must reach KfW before project start, with the conditional-contract exception described below.
- Commission an independent energy-efficiency expert from the federal expert list to check the design and prepare the application confirmation (Bestätigung zum Antrag, BzA). For the higher QNG ceiling, also involve an independent sustainability adviser and accredited certification body.
- Apply through a financing partner such as a bank, savings bank, building society or insurer, rather than directly to KfW. Bring the signed BzA, the relevant household adults' tax assessments for the second and third preceding years, and the qualifying children's birth certificates. Foreign tax assessments need a certified translation.
- Arrange the application before signing construction/supply or purchase contracts. It must reach KfW before the project starts, not merely reach your bank. Planning and advice can take place earlier. A contract may be signed earlier only with a condition making it dependent on funding approval; that condition cannot be added afterwards. Construction and payment of the purchase price must wait until application. Starting after KfW receives the application but before approval is at your own risk; waiting for approval avoids that funding risk. There is no entitlement to support, which depends on available funds.
- After completion and moving in, submit the expert's completion confirmation (Bestätigung nach Durchführung, BnD), land-register evidence and official residence registration to your financing partner. Provide the QNG certificate where applicable. The completion proof is due no later than 36 months after full loan disbursement. Keep the required supporting records for ten years after the loan commitment.