Jung kauft Alt – existing-home purchase loan (308)

• Apply as an individual, including as a single parent, with at least one biological or adopted child in your household under 18 at application. KfW also counts a child turning 18 on the application day; children born later do not count.
• Annual taxable household income must not exceed €90,000 with one child, plus €10,000 for each additional qualifying child. Use the average taxable income of the parents/partners in the future household from the second and third calendar years before application: 2024 and 2023 for a 2026 application. Children's income is excluded.
• At application, neither the relevant parents/partners nor their children may already own a home or any share of residential property in Germany, whether occupied, rented out or empty. No applicant or future household member may already have received Baukindergeld (424), family new-build support (300) or this product (308).
• The parents/partners or single parent must own at least 50% of the purchased home. At least one must use it as their main or sole residence. Own use is required for at least five years from moving in. An interruption of up to two years is allowed, extending the required period by the interruption; this duty ends no later than the end of the first fixed-interest period. The home must remain in residential use for at least ten years. Report changes such as ending own use or falling below 50% ownership promptly through the lender; KfW can reclaim support proportionately. If selling during the ten-year period, inform the buyer of the funding, residential-use duty and prohibition on worsening the building's energy quality.
• A valid energy demand or consumption certificate must show class F, G or H when you apply. Within 54 months of KfW approval, complete one of the two renovation routes below.

For the whole-building route, renovate to at least Effizienzhaus 85 EE or Effizienzhaus Denkmal EE: formal building-energy targets that include a renewable-energy requirement. A separately commissioned, independent energy-efficiency expert must assess the renovation and certify that the applicable technical requirements are met. The expert must be listed in the federal funding-programme expert register maintained by dena. Use its residential-building expert search to find one. A better energy standard still has to meet the EE renewable-energy requirements.

Alternatively, complete all four measures to the BEG EM technical requirements: replace the heating with a system using at least 65% renewable energy, replace the windows, insulate the façade, and insulate the roof or the top-floor ceiling beneath an unheated attic. Heating replacement is not required if the existing system already uses at least 65% renewable energy or the building uses only a heat network. Building surfaces, or parts of them, already meeting the EnEV 2001 Annex 3 requirements for existing external building elements are exempt from renovation.

If renovation misses the target but achieves at least Effizienzhaus 100 EE, a lower whole-building energy standard, the loan interest rate rises by one percentage point a year from completion, at the latest 54 months after approval. This is a consequence of missing the required target, not an alternative target to choose when applying.

Buying through a German civil-law partnership (Gesellschaft bürgerlichen Rechts, or GbR) is excluded; this differs from eligible individuals buying together as a household. Shared-flat use, holiday or weekend homes and land-only purchases are also excluded. You cannot use this loan to replace existing loans (refinancing) or cover further costs of a project already started or completed (Nachfinanzierung).

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1. Approach a bank, savings bank, building society, insurer or finance intermediary. The lender submits the application to KfW. It must reach KfW before you sign the notarised purchase contract—not merely reach your lender. Waiting for approval before buying avoids proceeding at your own risk.
2. If signing earlier, the contract must already contain a suspensive condition tied to funding approval, so the purchase only takes effect if that condition is met. You cannot add it retrospectively. Do not make a deposit or purchase payment before application.
3. Provide the relevant tax assessments, birth certificates and the property's F/G/H energy certificate. For a 2026 application, the tax assessments are for 2024 and 2023.
4. Complete the renovation and submit evidence to your lender within 54 months of approval. This includes the signed completion confirmation (Bestätigung nach Durchführung), the purchase contract, land-register ownership evidence and registration evidence of own use. The whole-building route needs the energy expert's confirmation; the individual-measures route needs contractor declarations for the measures under §35c EStG, with expert confirmation also permitted for proving the energy requirements.

Funding is subject to KfW's decision and available funds; there is no entitlement.