KFW Energy Efficient Construction and Refurbishment

  • Información general
  • Nombre del IF:KFW Energy Efficient Construction and Refurbishment
  • País:Alemania
  • Región:Germany
  • Descripción del modelo
  • Titularidad:Público
  • Autoridad de gestión:KfW
  • Gestor del Fondo:KfW promotional programs for energy efficiency in the residential housing sector
  • Duración:2009
  • Tamaño del fondo (Fondos totales disponibles en EUR):n/a
  • Fuente de financiación:(GRANTS) Subsidised by funds provided by the Federal Ministry of Building, Transport and Urban Development / (LOANS) KfW, via the capital market
  • Tipo de proyecto:Eficiencia energética
  • Subtipo de proyecto:Rehabilitación de edificios, Fachadas, Carpinterías
  • Descripción del IF:The objective of the programme “Energy Efficient Construction and Refurbishment” is to provide financing by way of soft loans and grants for energy efficient construction and refurbishment activities for the German residential sector. The programme targets the reduction of CO2 emission levels in the German housing sector.
  • Objetivos generales:The promotional programmes are available for all private investors in the residential building sector in Germany as well as housing companies at equal conditions. The target clients of the promotional programme “Energy Efficient Construction and Refurbishment” are all investors in residential buildings who are aiming to improve energy efficiency levels (including also public companies and bodies as well as social institutions). Contracting companies are also allowed to apply for promotional loans for energy efficient refurbishment if the purpose of the loan is the installation of a new heating system in a residential building. The loan programme however is also available to public companies and bodies as well as social institutions.
  • Principales resultados alcanzados:The “KfW Efficiency House” standard has become a market wide brand for energy efficiency in buildings. The promotional programmes have a proven and very positive impact on climate and economy: - Positive impact on the climate by reduction of CO2: during the period between 2006 to 2012, the programmes lead to a reduction in total of 5.9 m t CO2-equivalents per year - High volume of investment triggered. - High number of jobs created or conserved. - Broad reach: the promotional programmes reach a high number of households: In 2012 alone, 240,000 housing units were refurbished to more energy efficient levels, 116,000 energy efficient housing units were newly built with support of the programmes (roughly every second newly built housing unit in Germany). - Well established programme structure and distribution network. - Benefit for public households.
  • Descripción del modelo financiero
  • Tipo de beneficiarios:Rehabilitación de edificios, Fachadas, Carpinterías
  • Tipo de instrumento financiero:
  • Modelo de reembolso:Loans at low interest rate, partial debt relief is booked according to energy efficiency level reached.
  • Links de interés: https://www.kfw.de/inlandsfoerderung/Privatpersonen/Bestandsimmobilie/
  • Otra información: In order to benefit from the advantages of promotional financing conditions, it is a precondition that the efficiency standards achieved are better than the requirements as set out in the German Energy Savings Ordinance. The programme reduces the complex legal requirements to two values: First, the annual primary energy demand compared to the demand of a new building (the so called “reference building”) and second, the structural heat insulation (specific transmission heat loss) likewise compared to the reference building. The basis for measuring the level of energy efficiency is the so-called “KfW-Efficiency House Standard”. There are three levels of promotional incentives for energy efficient construction activities expressed as Efficiency House Standards 40, 55 and 70. This means, that the primary energy consumption of the housing unit in question corresponds to 40%, 55% or 70% of what the reference building is allowed to consume according the Energy Efficiency Ordinance. For all levels, the promotional interest rate is equal. The difference consists in the scope of partial debt relief (in percent), in the sense of a repayment bonus which is granted to the borrower in addition to the favourable interest rate of the loan compared to market levels once the targeted efficiency level is reached and proven by an energy expert: For instance, the efficiency House 40 benefits from 10% debt relief. The maximum loan amount is 50,000 EUR. For energy efficiency refurbishment activities, there are in total six promotional levels: starting with Efficiency House 55 as the most ambitious level, followed by Efficiency House 70, 85, 100 and 115 as well as a separate level for monument buildings. The incentive in terms of partial debt relief is even bigger, starting at 2.5% for the Efficiency House 115 and reaching 17.5% debt relief for the most ambitious level Efficiency House 55. For those customers who do not target a deep retrofit of their building or housing unit, KfW offers promotional loans for single measures such as windows, heating systems or insulation. And for those customers who do not want to apply for a loan, there is the option to apply for a grant for investment. The amount available is based on the same energy efficiency levels as for the loans and calculated based on the maximum loan amount applicable. It varies between 10% and 25% of the maximum loan amount of 75,000 EUR (i.e. between 5,000 EUR and max. 18,750 EUR).
  • Perfil de riesgo
  • Riesgo de rendimiento:n/a
  • Riesgo financiero:KfW
  • Proyecto de ejemplo - Caso (Ejemplo de un proyecto financiado a través del instrumento financiero descrito)

Título del proyecto: KfW Promotional Programes

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