The calcimo KfW loan calculator shows how a KfW funding loan changes your monthly payment, interest and remaining balance when it replaces part of your bank loan. You also get the key requirements of programmes 296, 298, 300 and 308 at a glance.
A KfW loan can replace part of your financing at a lower interest rate. These requirements matter most for the four key programmes when buying or building.
With a free calcimo account, you can calculate the KfW loan right away: as a standalone comparison or as part of the cashflow calculation for your property.
This overview simplifies the key points of the KfW fact sheets. The current KfW conditions and the review by your financing partner are decisive.
The KfW calculator compares a pure bank loan with a combination of bank loan and KfW loan. You see how much the payment drops during the interest-only years and what it looks like afterwards.
A low initial payment looks attractive but can lead to a higher remaining balance. The comparison shows both sides so you can plan the follow-up financing realistically.
Whether it is a new-build investment or a home for yourself: the key requirements of KfW programmes 296, 298, 300 and 308 are summarised right next to the calculation.
KfW is the German federal development bank. Its funding loans support climate-friendly new builds and home ownership for families, among other things. The loans are usually not requested from KfW directly but through a bank, savings bank or financing broker.
KfW loans typically come with a comparatively low nominal rate, a long term and initial interest-only years. A KfW loan usually covers only part of the financing; the rest is a regular bank loan.
Enter the total loan, the programme, the KfW amount, the current KfW nominal rate, the term and the interest-only years. The calculator deducts the KfW amount from the bank loan and compares both options.
During the interest-only years, the monthly payment drops noticeably because only interest is due on the KfW share. This creates financial room, especially while building or moving in.
At the same time, nothing is repaid during this period. Afterwards the payment rises, and the remaining balance is often higher than with immediate repayment. Plan consciously for when the full payment starts.
For rented new builds, programmes 296 (affordable climate-friendly new build) and 298 (climate-friendly new build) are the main options. They depend on the energy standard of the building and apply per residential unit.
Families with children who move in themselves can use programme 300 (home ownership for families, new build) or 308 (buying an existing home), depending on the project. The number of children, household income and, for 308, the renovation of the purchased building play an important role.
Funding loans usually have to be requested before the project starts. The exact deadlines and technical requirements are listed in the respective KfW fact sheet. Conditions can change at short notice; the rate on the day of approval is decisive.
It depends on the programme. KfW 296 and 298 offer up to €100,000 per residential unit, 298 with the QNG seal up to €150,000. For KfW 300 and 308, the maximum depends on the number of children and, for 300, also on the QNG standard.
Yes. In practice, the KfW loan usually covers only part of the financing. The rest is a bank loan. The KfW calculator compares exactly this combination with a pure bank loan.
During the interest-only years, you only pay interest on the KfW share. This lowers the payment at first, but the debt does not shrink during that time. Depending on rate and term, the balance after ten years can therefore be higher than without KfW.
Yes. Programmes 296 and 298 fund climate-friendly new builds regardless of whether you live there or rent them out. Programmes 300 and 308 are aimed at owner-occupied homes for families.
No. The calculator gives you a first orientation. Whether you are eligible and on which terms is checked by KfW and your financing partner.