Supplementary loan for non-residential energy upgrades (523)
Borrow up to €5 million per project for energy improvements to non-residential buildings in Germany that already have an eligible KfW or BAFA grant approval.
Tämän rahoitusmahdollisuuden kuvaus on toistaiseksi englanniksi.
This loan provides extra finance alongside an approved grant, not another grant: you repay it with interest. It can cover up to 100% of the eligible costs recorded in your grant decisions, limited to €500 per m² of supported net floor area and €5 million per project. Costs from both KfW and BAFA approvals can count. Recoverable VAT is excluded, and the loan cannot be increased beyond the amount applied for.
The approved 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, and no later than three months after the grant is paid.
Loan terms run from four to 30 years. During the initial repayment-free years you pay interest quarterly; afterwards, repay the loan in equal quarterly instalments. Your financing partner sets the interest rate based on your finances and the security you provide. The federal interest subsidy does not continue into a renewal after the first fixed-rate period.
During that first fixed-rate period, extra repayments of at least €5,000 are free. The required repayment of a temporarily financed grant can be smaller. After accepting a renewal beyond the first fixed-rate period, early repayment is only possible in full and with a fee.
Draw the loan within 12 months of approval, extendable by up to 24 months for undrawn money. From month 13, undrawn amounts cost 0.15% per month. Spend each amount drawn on the approved purpose within 12 months or an interest surcharge applies.
Eligibility
- The work must improve the energy performance of a non-residential building in Germany. You need an approved, unpaid grant under BEG EM, the federal scheme for individual energy improvements, under its rules dated 21 December 2023 or 17 July 2026. The grant approval must be no more than 12 months old.
- You must commission the work and hold the grant approval in your own name. Eligible applicants include individuals, sole traders, freelancers, companies including municipal companies, public-law bodies, associations, nonprofits including churches, and other private-law legal entities including contractors. Federal and state governments and their institutions, and political parties, cannot apply.
- If you do not own the building, inform its owner before applying about the funding and its maximum amount. The bank receiving KfW refinancing may hold no more than 25% of the funded company, directly or indirectly, throughout the loan term.
- Refinancing existing debt and retrospective extra finance for cost overruns are excluded. Documented temporary finance is not treated as refinancing. You may begin the approved work after grant approval and before applying for this loan. KfW's general project exclusions also apply.
- Several applications for different improvements at the same property are possible, including from different applicants, but they must stay within the per-m² and per-project loan limits.
How to apply
- Tila
- Jatkuva haku
- Hakukierroksen ehdot
- KfW must receive the loan application within 12 months of grant approval and before grant payout. Funding is subject to available budget.
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 applies to KfW for you. The application must reach KfW within 12 months of the grant approval, before the grant has been paid.
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. Missing proof can lead to termination of the loan. Report changes affecting eligibility or funding, including withdrawal of the grant, promptly through the partner.
Keep grant decisions, invoices, payment records and grant payout documents for ten years after loan approval. Follow the factsheet's official logo and acknowledgement requirements for funding-related publications, building signs and invitations. Funding depends on available public money; there is no legal entitlement.