Build for less, because it's KfW 40 QNG Plus

The QNG standard is more than an environmental label — it is the key to subsidised loans and tax benefits that an ordinary new build does not receive. For owner-occupiers this means a lower monthly payment; for investors it can mean a noticeably better after-tax return — depending on the individual case (a projection, not a guarantee).

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For owner-occupiers & families

Your own home instead of rent — with subsidies

While market interest rates for construction financing are currently around 3.9 %, the KfW 40 QNG Plus standard makes significantly cheaper subsidised loans possible:

KfW “Climate-Friendly New Build” (KFN): subsidised loan from approx. 0.6 %, up to 150.000 € per residential unit — no income limit, available to all buyers.
KfW “Home Ownership for Families” (WEF): from approx. 1.12 % — if your taxable household income is below the limit (90.000 € with one child, +10.000 € per additional child) and you do not yet own residential property.
No buyer's commission: only ~7 % purchase costs in Rhineland-Palatinate (5 % property transfer tax + ~2 % notary/land register).

Please note: KFN and WEF cannot be combined for the same residential unit — we will find the most favourable option with you. All subsidy conditions as of 2026 and, in each individual case, dependent on your creditworthiness.

Mandatory information on financing advertising (Section 17 PAngV): The interest rates stated are entry-level KfW subsidy conditions and do not constitute a loan offer. A representative example with net loan amount, fixed borrowing rate p. a., effective annual interest rate and term will be provided to you individually by our financing partner before any offer. Arranged through independent financing partners; the provider gives no credit or tax advice.

Your personal monthly payment — free of charge

Our financing partner will calculate for you, without obligation, what your dream house costs per month with subsidies — and check which KfW option is most favourable for you.

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For investors

The tax benefit that only QNG makes possible

Because every house meets the Efficiency House 40 with QNG Plus standard and construction costs are below the statutory ceiling, two types of depreciation can be combined:

Declining-balance depreciation (5 %) on the building value
Special depreciation under §7b of the German Income Tax Act for new rental housing
In total, above-average amounts can be written off in the first years — when letting for at least 10 years.

Add the low-interest KFN subsidised loan and a sought-after location in the Mainz commuter belt: a low subsidised interest rate and good conditions for letting and long-term value retention. Future rents and value developments are projections and cannot be guaranteed.

Statements on taxation are general examples and do not constitute tax advice. Whether and to what extent depreciation (§7b of the German Income Tax Act, declining-balance depreciation) is possible in your case depends on the statutory requirements and your individual situation. The assessment basis is the building share (purchase price allocation). Only your tax advisor's calculation is authoritative.

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Transparently calculated

What is added at purchase

In Rhineland-Palatinate, a direct purchase incurs only these ancillary costs — no buyer's commission.

5.0 %property transfer tax (Rhineland-Palatinate)

~1.5 %notary

~0.5 %land register

0 %buyer's commission

Around 7 % total purchase costs — compared with often over 10 % in a classic estate agent purchase with buyer's commission.

Let's run the numbers for your case

Whether as your own home or as an investment — arrange a consultation and receive the price list, subsidy calculation and the right documents.

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