Municipal energy-renovation loan (264)

• German municipalities, districts, their legally dependent enterprises and municipal associations can apply. City-states and their institutions qualify when carrying out tasks normally performed by municipalities. Special-purpose associations must be treated like municipal authorities under banking rules: lending to the association must carry a zero risk weight under Articles 115(2) and 114(2) of the EU Capital Requirements Regulation. This concerns the borrower's regulatory treatment, not whether the renovation project has no risk. The association's activities must either be non-economic under EU State-aid rules or, if they are economic, the funding must not constitute State aid for other reasons. Economic activity does not automatically make the funding State aid; KfW checks both the banking and aid conditions individually. Independent municipal companies use products 261 or 263 instead.
• Buildings must be in Germany. If you do not own the building, its owner must also qualify and must be informed before application about the funding and maximum support. The original building application or notification must be at least five years old.
• Whole-building work must reach Effizienzgebäude 70 or better for non-residential buildings, or Effizienzhaus 85 or better for homes. These are energy-performance standards for the building as a whole, not individual equipment upgrades; lower numbers mean greater energy efficiency. At least 65% of heating and cooling energy demand must come from renewable energy or unavoidable waste heat. The NH sustainability class additionally requires QNG PLUS certification, which confirms compliance with the programme's building-sustainability requirements. Separate Denkmal standards apply to listed buildings and, for homes, other officially recognised buildings worth preserving.
• A qualifying first purchase must take place within 12 months of acceptance of the renovation works. Eligible renovation costs must be itemised in the purchase contract or a separate cost statement. The buyer is responsible for meeting the technical requirements.
• Only renewable-energy-based heat generators qualify. Gas heating equipment and its associated installation work are excluded. Where the municipality has made and published a decision that the property is to join a heat network, heating support covers that connection, not an individual heating system, within the scope of that decision. Keep the building in its supported residential or non-residential use for at least ten years after completion.
• Whole-building BEG funding and BEG funding for individual measures cannot be combined. After completing a project funded through the whole-building programme, you must wait at least three years before applying for individual-measure funding. The reverse restriction also applies: after receiving individual-measure funding, you must wait three years before applying for whole-building funding. The supplementary loan described above is specifically offered alongside an individual-measure grant. Do not combine this loan with grant 464 for the same measure. Public grants and repayment subsidies for the same funded costs are subject to a combined 90% ceiling; other combination exclusions also apply.
• Refinancing existing loans and retrospective top-up financing are excluded. The supplementary variant has the specific grant-based application and temporary bridge-financing rules described here.

Status

Nabór ciągły

Ograniczenia naboru

• Awards depend on available funds; there is no entitlement to funding.

For whole-building work, choose an expert from the official energy-efficiency expert directory in the relevant residential or non-residential BEG category. For listed buildings, or other officially recognised buildings worth preserving in the residential programme, use the corresponding Denkmal category. Commission the expert separately and have their services invoiced separately. The expert and their employer must be independent of the executing contractors and suppliers: they cannot have ownership, shareholding or employment ties to them, be commissioned by them, or arrange work or supplies for them. The expert prepares the application confirmation, which you sign and submit with the loan request.

Apply before signing a binding construction or purchase contract. Planning and advice can take place earlier. A contract conditional on KfW funding is allowed before application, but apply before building work starts or the first purchase payment. Alternatively, a documented KfW advisory meeting before signing a works contract allows you to apply before construction begins; this exception does not cover purchase contracts.

Create the application document using KfW's web application linked from the product page. Download, print, sign and seal it, then submit it with the required documents through KfW's upload function, by email to kommune@kfw.de, or by post to KfW Niederlassung Berlin, 10865 Berlin. For supplementary borrowing, submit the grant award instead of an expert's application confirmation; the application is independent of project start, but the award must still meet the age and unpaid-status conditions.

For whole-building work, prove the use of funds within 54 months of loan approval with the expert's completion confirmation and cost evidence. For supplementary borrowing, submit the KfW grant payout confirmation and/or BAFA final decision immediately after receipt, within three months at the latest.