Builders, who act under the premise of an energy-efficient and therefore ecologically
It is economically advanced construction method, benefit from the particularly favorable conditions of the HeW Ecological Building Program. Support is given for new buildings that are either designed as passive houses or that meet the requirements of the programs. Furthermore, the installation of modern and renewable energy based heating systems is supported by a loan.
The maximum payout amounts to 50,000 usd, whereby up to 100 percent of the eligible costs can be financed. The loan can be repatriated over a term of four to thirty years and can be repaid up to three years after payment. Special repayments on scheduled payments are possible at any time without indemnity. In the 40s variant as well as passive houses, the loan is paid out one hundred percent, and in the 60s variant to 96 percent.
The interest on the loan is extremely favorable and well below that of the free market.
In the case of passive houses and buildings that meet the requirements of energy-efficient house 40, a ten-year loan with fixed-rate interest rates and two grace periods without start-up costs 4.52 per cent interest Years effectively at significantly less than a traditional mortgage lending mortgage. The financing of heating systems and buildings in accordance with the energy-efficient house 60 program also keeps the costs within a justifiable framework: for a loan with the above mentioned design, 5.47 percent interest effectively accrue per year.
The condition for the granting of the favorable loan is the fulfillment of the ecological requirements, which are measured in particular by the primary energy demand of the newly created object and its transmission heat loss. For example, a building financed by the HeW Energy Savings House 40 program can not consume more than 40 kilowatt hours of energy per year per square meter of building area. Furthermore, the thermal envelope of the building must meet special requirements: The transmission heat loss must be below the upper limit specified in the Energy Saving Ordinance by at least 45 percent. Passive houses in addition to the conditions must not exceed a yearly heat demand of 15 kilowatt hours.
In the 60s variant, slightly more liberal conditions apply: the primary energy demand per year and square meter may amount to a maximum of 60 kilowatt hours and the maximum transmission heat loss must fall below the maximum value specified in the EnEV by at least thirty percent.
The restrictions can only be implemented if a proper planning is carried out by an expert.
The confirmation of the fulfillment of all necessary criteria must be confirmed by the borrower as well as by the expert during the application process.
The favorable terms of the cological building loans are only a part of the monetary benefit realized by the modern construction method. The energy-efficient procedures significantly reduce the operating costs of the building. In times of rising prices for heating oil and gas, this situation is becoming increasingly important.
Anyone who does not shy away from the ecological construction method is in any case in good hands in HeW’s program. Collateral is only required for the loan in the usual way; the application is made via the house bank, which is responsible for the settlement as the transmitting authority.