Make optimal use of government grants
Discover suitable funding opportunities for your property with Auctoa – whether for renovations, energy-efficient construction, or age-appropriate modifications. We help you identify and apply for government grants and low-interest loans.
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Individual Assessment
Application Support
Funding for Real Estate: A Guide for Heirs and Owners
KfW Programmes
BAFA Grants
State Development Banks
Tax Benefits
An overview of the key funding programmes for energy-efficient renovations
The energy-efficient renovation of existing properties is a key component of the energy transition and is comprehensively supported by the state. Heirs in particular often face the decision to modernise an inherited property to increase its value or improve its energy efficiency. This is where our funding check comes in. **Why renovate for energy efficiency?** In addition to contributing to climate protection, you benefit from lower energy costs, improved living comfort, and an increase in the value of your property. Legal regulations, such as the Building Energy Act (GEG), define minimum standards. **Overview of the funding landscape:** The Kreditanstalt für Wiederaufbau (KfW) and the Federal Office for Economic Affairs and Export Control (BAFA) are central contact points. *KfW programmes* offer loans and repayment subsidies for renovations to energy-efficient houses or individual measures. *BAFA grants* (BEG EM) support individual measures on the building envelope, system technology, and heating optimisation. The *Federal Funding for Efficient Buildings (BEG)* consolidates these offers. **Requirements and application process:** The conditions are programme-specific. An energy efficiency expert is usually required. Applications must be submitted before measures begin. **Tips for you as an heir:** Check renovation options and funding eligibility early on. Our funding check and professional energy advice are important first steps.
YOUR PATH TO MORE VALUE
Making the most of funding opportunities
KfW-Check
Analysis of suitable KfW programmes for renovation, new construction and barrier reduction.
BAFA analysis
Identification of BAFA grants for individual measures and heating replacement.
State funds
Examination of regional funding programmes in your federal state.
Renovation bonus
Renovation bonus: Tax savings as an alternative to direct funding.
Denkmal depreciation
Demonstrating the potential for depreciation of listed properties.
New Build Assistance
Funding for climate-friendly construction and QNG standards.
Accessible
Grants and loans for age-appropriate renovations.
Application Guide
Step-by-step guidance through the application process.
Expert Network
Mediation of qualified energy consultants and specialist planners.
Secure funding for your property with Auctoa
Missed funding opportunities?
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Age-appropriate renovation: Grants and loans for accessible living
The desire to live independently at home for as long as possible brings barrier-free living into focus. For heirs, this may mean adapting an inherited property or enhancing its appeal. **What does "age-appropriate renovation" mean?** The goal is to eliminate obstacles, e.g. through threshold-free transitions, wider doors, stairlifts, or adapted bathrooms and kitchens. **Funding opportunities:** The *KfW Programme "Age-Appropriate Renovation – Investment Grant (455-B)"* supports measures to reduce barriers. The *KfW Programme "Age-Appropriate Renovation – Loan (159)"* offers low-interest loans. *Care insurance funds* provide grants for home improvements if a care level is assessed. Additionally, *state funding programs* may be applicable. **Important aspects:** Define your needs, obtain quotes, and ensure compliance with technical minimum requirements (often DIN 18040). The Auctoa funding check assists you in selecting programs and submitting applications.
Funding for new construction: Focus on energy efficiency and sustainability
Anyone who tears down an inherited property to build anew or builds on an inherited plot can benefit from new construction subsidies. The focus is on energy efficiency and sustainable building. **Why is energy-efficient new construction promoted?** Government incentives are designed to encourage builders to exceed legal minimum standards, benefiting both the environment and operating costs. **Key support programmes:** The *KfW Programme "Climate-Friendly New Buildings (KFN) – Residential Buildings (297, 298)"* supports new buildings that meet the "Climate-Friendly Residential Building" standard (with QNG seal if applicable) through low-interest loans. The *Quality Seal for Sustainable Buildings (QNG)* takes into account ecological, socio-cultural, and economic aspects. *Regional funding programmes* also exist. **What should builders be aware of?** Early planning, involving an energy efficiency expert and possibly a QNG certifier, is essential. The application must be submitted before the start of construction. Sustainable materials are becoming increasingly important. Auctoa assists you with a funding check to identify suitable subsidies.
Tax advantages for renovation and monument protection: What heirs need to know
In addition to direct grants, heirs can also benefit from tax advantages, for example, with energy-efficient renovations and listed buildings. **Tax bonus for energy-efficient renovation measures (§ 35c EStG):** Owner-occupiers can deduct 20% of the expenses (up to €40,000) over three years for measures on owner-occupied properties older than ten years. This is an alternative to the KfW/BAFA funding. **Monumental depreciation (Denkmal-AfA) (§ 7i, 10f EStG):** For listed buildings, production and maintenance costs (in consultation with the monument authority) can be claimed for tax purposes – over 12 years if rented out (§ 7i EStG), or over 10 years if owner-occupied (§ 10f EStG). **Further tax aspects:** Labour costs for craftsman services (§ 35a EStG) are deductible up to €1,200 annually. Auctoa supports you in understanding these potentials; tax advice is essential.
The Path to Funding: Application Process and Important Deadlines
The use of funding is a multi-step process. **Step 1: Information and planning.** Analyse your needs, research funding (e.g. with our check) and consider involving an energy efficiency expert if necessary. **Step 2: Obtaining quotes and creating a financing plan.** Gather quotes and develop a financing plan. **Step 3: Application submission – the critical point.** Submit the application *before* starting any measures (contract conclusion/start of construction), usually online with KfW or BAFA. **Step 4: Approval and implementation.** Wait for the funding decision before you start. Implement measures as per the decision. **Step 5: Proof and disbursement.** Submit proof of use (invoices, confirmations) after completion. Grants will then be disbursed. **Important deadlines:** Pay attention to application, validity, and submission deadlines to avoid losing funding entitlement. The Auctoa funding check makes it easier to get started.
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Combination of Funding: Opportunities and Limitations
The combination of different subsidies can significantly reduce the financial burden for real estate projects. It is important to carefully examine the respective guidelines for cumulation. **Basic principle:** A combination is often possible as long as the total subsidies do not exceed the eligible costs (over-subsidisation prohibition). **Typical combination possibilities:** KfW loans with BAFA grants (within the framework of the BEG, but not for the same measure), federal funding with state funding. **Limits:** An important restriction concerns the combination of direct grants (KfW, BAFA) and the tax bonus under § 35c EStG for the same measure – here you must choose. However, the monument depreciation (Denkmal-AfA) is often combinable with loans. **Strategic planning:** Identify all suitable programmes, check cumulation rules and develop a strategy for optimal utilisation. Consulting with experts can be very valuable here.
Subsidies for the Energy Certificate: When is it subsidised?
The energy certificate assesses the energy efficiency of a property. There are consumption and demand certificates. Direct subsidies for the pure creation costs of an energy certificate are rare. However, it can be part of subsidised measures: **1. As part of a subsidised energy consultation:** The BAFA supports the "Energy Consultation for Residential Buildings (EBW)", which often includes an individual renovation roadmap (iSFP). The energy certificate can be the result of this process. The iSFP bonus can also increase the subsidy rate for implementation measures. **2. As part of subsidised renovation measures:** In the case of comprehensive, subsidised renovations (KfW/BEG WG, BAFA/BEG EM), costs for specialist planning and construction supervision by energy efficiency experts are eligible for funding. A new energy certificate after renovation can be part of these costs. **3. For certain new construction grants:** Here too, the creation of the energy certificate can be part of the eligible costs. If you need an energy certificate solely due to a sale or rental obligation, the costs are usually borne by yourself.
State Development Banks: Regional Grants for Your Property
In addition to nationwide programs from KfW and BAFA, the regional development banks (e.g., investment banks of the federal states) offer specific regional funding opportunities. These can be a valuable addition, especially for heirs and heiresses who are looking to modernise a property. **What are regional development banks?** They pursue economic and structural policy goals and support, among other things, social housing, homeownership, energy-efficient renovation, barrier-free building, and monument protection. **Advantages:** Often better adaptation to regional needs, compatibility with federal funding, sometimes different access requirements. **Examples (vary greatly):** Modernisation loans, grants for young families, support for multi-generational living. **How do you find suitable regional funding?** Identify your regional development bank, visit its website, use funding databases, or seek advice. The Auctoa funding check also includes references to relevant regional programs. For heirs and heiresses, it is important to make full use of the entire spectrum.
The role of the energy consultant in the funding process
When applying for funding for energy-efficiency measures, a qualified energy consultant (Energy Efficiency Expert, EEE) is often essential. For heirs who wish to enhance an inherited property energetically, their role is crucial. **Who is a qualified energy consultant?** Professionals with proven expertise, often listed in the Federal Energy Efficiency Experts List (dena-list). **Core tasks:** Assessment and potential analysis, creation of a renovation concept/individual refurbishment roadmap (iSFP), funding advice and support with the technical application process (BzA/TPB), optional specialist planning, construction supervision and quality assurance, preparation of documentation after completion of measures (BnD/TPN). **Why are they so important?** They enable access to funding, ensure the quality of the measures, and help to avoid mistakes and comply with regulations. For heirs, the collaboration is an investment that often quickly pays off through higher funding and energy savings.
