Overview

• Official figures show just 592 approvals and roughly €70 million in loans disbursed, leaving most of the €350 million annual pot unused.
• Eligibility rules require a retrofit to efficiency class 70 EE within 4.5 years, with income caps and loan limits of about €100,000 to €150,000 cited as key barriers alongside high renovation costs.
• The ministry says it is scrutinizing application patterns in consultation with financing partners and the KfW to pinpoint causes of the weak demand.
• Minister Verena Hubertz intends to consolidate the fragmented funding landscape into two pillars for new construction and renovation, with allocations for 2025 outlined but the federal budget not yet finalized.
• By contrast, the "Wohneigentum für Familien" program has supported about 2,800 families this year and more than 9,300 since mid-2023, even as planned funding is reduced to €250 million in the 2025 draft budget.