Ayudas a la rehabilitación energética en Alemania
Descubre todas las subvenciones, préstamos y deducciones fiscales disponibles en Alemania para rehabilitar tu vivienda.
9 dispositivosBAFA / KfW (Bundesförderung für effiziente Gebäude — BEG)Reference updated on 20 de mayo de 2026
Calculate your grants in a few clicks
The calculator applies all Alemania schemes below to your personal situation.
BEG EM — Individual measures (BAFA)
ActivoBAFA — Bundesamt für Wirtschaft und AusfuhrkontrolleSubvención
Obras elegibles
Aislamiento exteriorAislamiento interiorAislamiento cubiertaAislamiento sueloCambio ventanasCambio puertasVentilación doble flujoDomótica
Importes
- 15% · Base rate
- 20% · With iSFP bonus (+5 pp)
- 30.000 € · Annual ceiling per dwelling (no iSFP)
- 60.000 € · Annual ceiling with iSFP
Conditions: BzA confirmation required BEFORE contract; suspensive clause needed. Minimum gross investment €300.
KfW 458 — Heating subsidy (BEG EM)
ActivoKfWSubvención
Obras elegibles
Bomba de calor aire-aguaBomba aire-aireBomba geotérmicaBomba agua-aguaCaldera biomasaEstufa de pelletsSolar térmicaConexión red calor
Importes
- 30% · Base subsidy
- 20% · Climate speed bonus (+20 pp)
- 30% · Income bonus (+30 pp if income ≤€40,000) (Muy modesto)
- 5% · Efficiency bonus (+5 pp)
- 70% · cap 21.000 € · Combined cap 70% — max €21,000 (SFH, €30,000 eligible)
- +2 more
Conditions: BzA required BEFORE contract. From 1 Jan 2026, air-water heat pumps eligible only if noise emissions ≥10 dB below EU Ecodesign limits.
2026 changes: New noise thresholds for air-water heat pumps from 1 Jan 2026 (≥10 dB below EU Ecodesign); acoustic planning now eligible.
KfW 261 — Efficient House Loan (BEG WG)
ActivoKfWPréstamo bonificado
Obras elegibles
Rehabilitación integralAislamiento exteriorAislamiento cubiertaCambio ventanasBomba de calor aire-aguaVentilación doble flujo
Importes
- 120.000 € · Max loan per dwelling
- 150.000 € · Max loan with EE/NH class
- 25% · cap 37.500 € · Repayment grant EH 40 + EE/NH (up to 45% with WPB/serial)
- 10% · WPB bonus (+10 pp)
- 15% · Serial renovation bonus (+15 pp)
Conditions: BzA BEFORE contract. 2026 BEG WG envelope cut to €2.0B (-58% vs 2025), risk of running out.
KfW 358/359 — Individual measures supplementary loan
ActivoKfWPréstamo bonificado
Obras elegibles
Bomba de calor aire-aguaAislamiento exteriorAislamiento cubiertaCambio ventanasVentilación doble flujoRehabilitación integral
Importes
- 120.000 € · Ceiling per dwelling
Conditions: KfW 358 (Plus): subsidised rate for households ≤€90,000 income (from 0.01%). KfW 359: market rate (~3-4%). Released after BEG EM or KfW 458 approval.
BAFA — Energy advice for residential buildings (iSFP)
ActivoBAFASubvención
Obras elegibles
Plan rehabilitaciónAuditoría energética
Importes
- 50% · cap 650 € · 50% of fee, cap €650 (1-2 dwellings)
- 50% · cap 850 € · 50% of fee, cap €850 (≥3 dwellings)
- 250 € · WEG meeting presentation flat rate
Conditions: Direct payment to owner since 1 Apr 2025. iSFP via iSFP-Druck app required.
Tax reduction § 35c EStG — Energy renovation
ActivoFinanzamt (Bundesfinanzverwaltung)Crédito fiscal
Obras elegibles
Aislamiento exteriorAislamiento cubiertaAislamiento sueloCambio ventanasCambio puertasVentilación doble flujoBomba de calor aire-aguaCaldera biomasa+1
Importes
- 7% · cap 14.000 € · Year 1-2 — 7% (max €14,000/year)
- 6% · cap 12.000 € · Year 3 — 6% (max €12,000)
- 40.000 € · Total ceiling over 3 years per property
Conditions: Property used exclusively for personal residence. Fachunternehmer certificate required. Not combinable with BEG/KfW on same expenses.
KfW 270 — Renewable Energies Standard (PV)
ActivoKfWPréstamo bonificado
Obras elegibles
FotovoltaicaAlmacenamiento batería
Importes
- 100% · Up to 100% of costs
Conditions: 2026 effective rate: ~3.27% to 10.78% depending on credit. Up to 30-year term. Application required BEFORE contract.
0% VAT on residential PV
ActivoBundesfinanzministeriumIVA reducido
Obras elegibles
FotovoltaicaAlmacenamiento batería
Importes
- 19% · Savings vs 19% standard VAT
Conditions: 0% VAT on supply and installation of PV on or near residential buildings.
NRW.BANK — Ownership renovation funding
ActivoNRW.BANKPréstamo bonificado
Obras elegibles
Aislamiento exteriorAislamiento cubiertaCambio ventanasBomba de calor aire-aguaVentilación doble flujoRehabilitación integral
Importes
- 220.000 € · Maximum loan
- 25% · Repayment grant group A (25%)
- 50% · Combined for Net-Zero eco insulation (up to 50%)
Conditions: 0.0% rate first 5 years, then 0.5% p.a. Bonus +5 pp for EH 85/70/55; +5 pp for Net-Zero.
Track grant changes in Alemania
Get rate changes, new schemes and budget exhaustion alerts for Alemania by email. One per month max, never spam.