Incentivi per la riqualificazione energetica in Germania
Scopri tutti gli incentivi, prestiti e crediti d'imposta disponibili in Germania per ristrutturare la tua abitazione.
9 dispositiviBAFA / KfW (Bundesförderung für effiziente Gebäude — BEG)Reference updated on 20 maggio 2026
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The calculator applies all Germania schemes below to your personal situation.
BEG EM — Individual measures (BAFA)
AttivoBAFA — Bundesamt für Wirtschaft und AusfuhrkontrolleSussidio
Interventi ammissibili
Isolamento esternoIsolamento internoIsolamento tettoIsolamento pavimentoSostituzione infissiSostituzione porteVMC doppio flussoBMS
Importi
- 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)
AttivoKfWSussidio
Interventi ammissibili
PdC aria-acquaPdC aria-ariaPdC geotermicaPdC acqua-acquaCaldaia biomassaStufa a pelletSolare termicoAllaccio rete teleriscaldamento
Importi
- 30% · Base subsidy
- 20% · Climate speed bonus (+20 pp)
- 30% · Income bonus (+30 pp if income ≤€40,000) (Molto 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)
AttivoKfWPrestito agevolato
Interventi ammissibili
Riqualificazione globaleIsolamento esternoIsolamento tettoSostituzione infissiPdC aria-acquaVMC doppio flusso
Importi
- 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
AttivoKfWPrestito agevolato
Interventi ammissibili
PdC aria-acquaIsolamento esternoIsolamento tettoSostituzione infissiVMC doppio flussoRiqualificazione globale
Importi
- 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)
AttivoBAFASussidio
Interventi ammissibili
Piano di ristrutturazioneAudit energetico
Importi
- 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
AttivoFinanzamt (Bundesfinanzverwaltung)Credito d'imposta
Interventi ammissibili
Isolamento esternoIsolamento tettoIsolamento pavimentoSostituzione infissiSostituzione porteVMC doppio flussoPdC aria-acquaCaldaia biomassa+1
Importi
- 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)
AttivoKfWPrestito agevolato
Interventi ammissibili
FotovoltaicoAccumulo batterie
Importi
- 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
AttivoBundesfinanzministeriumIVA ridotta
Interventi ammissibili
FotovoltaicoAccumulo batterie
Importi
- 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
AttivoNRW.BANKPrestito agevolato
Interventi ammissibili
Isolamento esternoIsolamento tettoSostituzione infissiPdC aria-acquaVMC doppio flussoRiqualificazione globale
Importi
- 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.
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