Berlin.Builders can also take advantage of various subsidies in the new year. There is support not only for new buildings, but also for renovations, energy-efficient renovations or when buying a property. “In addition to subsidies from the state development bank KfW, residents as well as country-specific and municipal subsidies are possible,” says Florian Becker, Managing Director of the Building Owner Protection Association in Berlin. Some grants are linked to income and age limits. An overview:
Reorientation of energetic subsidies: From January 1, 2021, the new federal subsidy for efficient buildings (BEG) will apply in Germany. The BEG integrates several programs of the previous sponsoring bank KfW and the Federal Office of Economics and Export Control (BAFA). “In the future, homeowners can apply for financial support even if they apply for several measures,” explains Frank Hettler from the information program Future Old Buildings. Anyone interested in financial support for individual energy measures can, as before, choose between a grant and a loan with a repayment allowance. The new loan variant will only be available from July 1, 2021. Until then, the old KfW funding rules apply.
BAFA grants: Owners and home buyers can apply to the Federal Office of Economics and Export Control (BAFA) for funding for investments in renewable energies. In January 2021, BAFA will start subsidizing individual measures. Individual measures are those that do not achieve an overall efficiency house standard for a building. Proportional costs are funded, for example for measures on the building envelope, system technology, renewable energies for heating, connection to a renewable building or heating network and measures for heating optimization.
Funding by KfW: KfW also promotes energy measures. When building to a high energy standard, for example, there is a repayment subsidy that does not have to be repaid. “This is particularly interesting for the building owners because it reduces the credit volume,” says Becker. The repayment subsidy depends on the house’s energy efficiency standard. The lower the energy consumption, the higher the funding.
Promotion for property: KfW grants low-interest loans as part of the home ownership program as well as optional interest rate reductions. “In addition to low interest rates, KfW also offers start-up years without repayment,” says Björn Pätzold from Dr.Klein-Baufinanzierung. The range of grace-free start-up years is between one and five years. “During this time, builders and home buyers do not have to make any repayments, they just pay the loan interest.”
Age-appropriate renovation and burglary protection: KfW-Bank promotes age-appropriate renovations and burglar protection measures with cheap loans and grants. This funding is not tied to the age of the applicant. Anyone who wants to make their house safer and less accessible can apply for it.
Support for families: Families can still benefit from the Baukindergeld, which is also part of KfW. “If you want to take advantage of this, you have to hurry,” emphasizes Becker. “Because the program ends on March 31, 2021. By then, the purchase contract and building permit must be available.”
Wohnriester: House and apartment owners who use their property themselves can use the Riester subsidy, the so-called Wohn-Riester. “All builders who are compulsorily insured in the statutory pension insurance, as well as civil servants, are entitled to this”, says Thomas Hentschel from the consumer center in North Rhine-Westphalia. Riester savers can use their credit to reduce debt at any time, either initially as equity or during the ongoing financing. mr
© Mannheimer Morgen, Saturday, January 2nd, 2021
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