2: Bullet loan
In addition to the annuity loan, program 261 is also available in the “final loan” variant. KfW customers only pay back the interest during the entire term. At the end of the term, the entire loan amount is due in one sum.
The effective annual interest rate is 1.77 percent pa, the term and fixed interest rate are four to ten years.
Loan amount and repayment subsidy Construction and purchase of a new efficient house
The maximum loan amount for the efficiency house level 40 with sustainability class is 120,000 euros per residential unit. Customers receive five percent of this as a repayment bonus, up to a maximum of 6,000 euros. The loan to be repaid decreases by this amount.
Refurbishment of existing real estate into an efficiency house
The maximum loan amount increases to EUR 150,000 per residential unit if the property also meets the criteria for a renewable energy class.
This happens, for example, when a new heating system based on renewable energies is installed as part of the refurbishment into an efficiency house – and this covers at least 55 percent of the building’s energy requirements.
The maximum repayment subsidy is 37,500 euros per residential unit. The following applies: The higher the efficiency house level of the property after the renovation, the higher the repayment subsidy.