Renovate, modernize, build energy-efficiently - anyone investing in their property can benefit from attractive state subsidy programs. In 2025, some schemes were adapted, expanded or newly launched. Owners who plan and apply in good time can benefit from considerable financial advantages.
KfW promotional programs: Classics with a new focus
The Kreditanstalt für Wiederaufbau (KfW) remains the most important point of contact for promotional loans and grants relating to real estate. Particularly relevant:
KfW 261/262: promotional loans for renovations with a loan amount of up to € 150,000 and repayment grants of up to 25 %
KfW 300: Promotion for climate-friendly new buildings (e.g. Efficiency House 40), ideal for building owners
What is new is the stronger focus on "climate-neutral refurbishment", in which additional points such as ventilation, heat recovery or PV systems are taken into account. For owners with a holistic concept, this results in real added value.
BAFA grants supplement the financing
The Federal Office of Economics and Export Control (BAFA) awards grants for individual measures such as heat pumps, radiator replacement or insulation work. The amount varies depending on the measure - grants of up to 40 % are possible if an individual renovation roadmap is also available.
Do not overlook regional subsidies
Many federal states and local authorities offer supplementary programs - for example, grants for barrier-free conversions, unsealing surfaces or greening facades. Anyone investing in smaller towns or rural areas should check whether there are special funding initiatives for the development of existing buildings.
Conclusion
In 2025, property owners will have numerous opportunities to finance investments with subsidies. Those who plan early, combine different programs wisely and observe the funding conditions will save money and make their property fit for the future.
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