Plain-language context on rates, subsidies and regulation around homeownership.
Prolongation, refinancing or a forward loan? Plus the 10-year exit right under § 489 BGB that many don't know about.
Loans up to €100,000 at around 1% interest, but less than half of the €800M budget remains. Why the Dec 31 deadline is deceptive.
New KfW conditions for the building efficiency subsidy (BEG) take effect July 21, 2026. Anyone with a valid application confirmation can still apply under current terms until July 20.
Current rates for 10, 15 and 20-year fixations, why the ECB rate hike affects them, and what it means for your planning.
The A/B/C category system, Hamburg's new Grundsteuer C, varying municipal rates, and the pending constitutional complaint against the federal model.
Rates range from 3.5% to 6.5% depending on the state – up to €12,000 difference on a €400,000 property. Plus the reform debate and Hesse's Hessengeld program.
Since July 1, 2026, KfW subsidizes converting commercial space into housing. The key facts at a glance.
Higher subsidies, shorter taxation period, new eligible groups – and an important decision for everyone with an existing contract.