Property
KfW Loans 2026: Up to €150,000 for Your Home!
January 10, 2026
5 Min.
CheckAlle Property Team
The KfW programs 2026 offer super cheap rates for new builds and renovations. All funding options at a glance!
Government Funding: Grab It Now!
KfW has increased its programs for 2026. Whether new build, renovation or buying an old house – there are cheap loans and grants for almost everyone!
The Top Programs 2026
🏗️ Climate-Friendly New Build (297/298)
- Budget 2026: €1.1 billion
- EH55 standard: Up to €100,000 loan
- EH40 + QNG: Up to €150,000 at only 2.31% interest!
👨👩👧 Young Buys Old (308)
- For families: Buy old house and renovate
- Mega rate: From 0.01% (!)
- Loan: €100,000-150,000 depending on children
- New: Energy standard lowered from EH70 to EH85 EE!
🔥 Heating Subsidy (458)
- Base grant: 30%
- Speed bonus: +20% for quick replacement
- Income bonus: +30% for low earners
- Maximum: 70% subsidy possible!
How to Apply Correctly
- Before construction: Application MUST be submitted before first spade
- Through your bank: KfW loans only via house bank
- Grants direct: Heating subsidy directly at KfW
Conclusion: Don't Miss Out!
KfW funding 2026 is better than ever. Combine multiple programs and save tens of thousands on building or renovating!
KfW
Funding
Mortgage
2026
Loan