Financing advantage with a KfW loan

    KfW loan offers for heat pumps in 2024

    Credit programmes

    • Programme 261 - Energy-efficient refurbishmentFor refurbishments that improve energy efficiency.
    • Programme 159 - Energy-efficient constructionFor new buildings with high energy standards.

    Interest rates (as at 15 July 2023)

    • Annuity loan:
      • 0.33% p.a. for a term of 4-10 years
      • 1.36% p.a. for 11-20 year term
      • 1.61% p.a. for 21-30 year term
    • Term loan:
      • 1.72% p.a. for a term of 4-10 years

    2. tables for overview

    Table: KfW loan options for heat pumps

    Credit typeInterest rate p.a.Runtime
    Annuity loan 0.33%0,33%4-10 years
    Annuity loan 1.36%1,36%11-20 years
    Annuity loan 1.61%1,61%21-30 years
    Term loan1,72%4-10 years

    Table: Maximum subsidy amounts for heat pumps

    Type of fundingMaximum amount
    Promotion for single-family homesEUR 30,000
    Maximum subsidy67,500 EUR

    3. additional information

    • Requirements for fundingCompliance with KfW efficiency house standards and advice from an energy efficiency expert.
    • Further funding opportunitiesIn addition to the KfW programmes, there are also grants and subsidies from BAFA for certain heating and refurbishment measures.

    4. info graphics for creation

    • Graphic 1Distribution of interest rates for KfW loans - A bar chart showing the different interest rates for annuity loans and bullet loans over different terms.
    • Graphic 2Maximum subsidy amounts - A bar chart showing the maximum subsidy amounts for different heat pump projects.