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KFW 300: Great Subsidy for Energy-Efficient Houses in Germany

KFW 300 is in principle a very attractive program; it comes with interest rates as low as 0,01 % and very high loan amounts, of up to 270.000 €. You may be able to save 60.000 € in interest payments and even more if you invest the savings.
Dr. Chris Mulder

Dr. Chris is a former Senior Economist and Manager at the IMF and The World Bank. He is a Hypofriend Co-founder.

Published on Mar 11, 2024 Published on Mar 11, 2024 . Updated a month ago

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Dr. Chris is a former Senior Economist and Manager at the IMF and The World Bank. He is a Hypofriend Co-founder.

The key points in short

  • KFW is very generous but in practice only works for new houses and rarely for apartments.
  • It is for families with at least one child younger than 18 who will live in the property themselves.
  • The energy standards are quite rigorous.
  • Next steps

  • If eligible for a KFW 300 talk to a mortgage advisor.
  • We can share with you the detailed calculations and recommendations.
  • Typically, choosing the longest repayment period is best, and a modest delay in the start of repayment could work well too.