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 8 minutes ago

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.

KFW 300 for families can be very attractive
The mortgage decisions to make if you are eligible for KFW 300
What is recommended?

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.

first-time-buyers

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

first-time-buyers

KFW loans and conditions for 2024 and how it applies to your German mortgage

If you are planning to buy your first existing or new home in Germany, build or buy a new climate friendly home, or renovate a property, you should always take a look at KFW loans and subsidies. Your mortgage advisor should always check if and how much it helps.

first-time-buyers

Baukindergeld: Extra benefit for new homeowners with kids

Baukindergeld is a state subsidy (12K euros over 10 years per child) for families and single parents who want to buy their first home in Germany.

Hypofriend
/
First Time Buyers
/
Kfw 300 Great Subsidy For Energy Efficient Houses In Germany

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

The key points in short

Next steps

Table of Contents