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KfW Programme 297 / 298

Climate-friendly New Build (KFN 297/298) in Detail

Up to 100.000 € without and 150.000 € with QNG per residential unit — interest-reduced for the Efficiency House 40. Here you find conditions, requirements, application route and a calculation example.

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What does KFN 297/298 subsidize?

The Climate-friendly New Build subsidizes the new construction of efficiency houses of level 40 with an interest-reduced loan. Programme 297 (without QNG) offers up to 100.000 € per residential unit, programme 298 (with QNG seal) up to 150.000 € per residential unit (Quelle: kfw.de, Programme 297/298, Stand 2026). In addition to the EH-40 standard, a prerequisite is a greenhouse gas proof over the life cycle; the application runs prior to project start via a financing partner.

Maximum Loan Amounts and Conditions

Programme 297 (without QNG)

bis 100.000 €

per residential unit, interest-reduced loan for the Efficiency House 40 incl. greenhouse gas proof over the life cycle (Quelle: kfw.de, Programm 297, Stand 2026).

Programme 298 (with QNG)

bis 150.000 €

per residential unit if additionally the QNG seal is achieved and the associated greenhouse gas limit values are met (Quelle: kfw.de, Programm 298, Stand 2026).

The funding lever is the interest reduction: The KFN nominal interest rate is below the free market rate. The specific amount depends on term and interest rate fixation; the daily current conditions of the KfW are binding. The QNG seal explains the QNG page.

Requirements for the Building

Basic prerequisite is the Efficiency House-40 standard: The annual primary energy demand amounts to a maximum of 40 % of the reference building, and the transmission heat loss clearly falls below the legal requirements. For all KFN projects, a proof of the greenhouse gas emissions over the entire life cycle must also be provided (Quelle: kfw.de, Programme 297/298, Stand 2026).

For the higher funding level 298, the building must additionally receive the QNG seal („Qualitätssiegel Nachhaltiges Gebäude“). This is associated with stricter greenhouse gas limit values over the life cycle as well as further sustainability criteria. Which detailed requirements an EH 40 meets is set out on the page Requirements out.

Application Route via the House Bank

KFN applications are submitted via a financing partner, not directly with the KfW. The process in brief: (1) obtain an offer from a funding-eligible manufacturer and prepare the EH-40 proof, (2) involve energy efficiency experts who issue the confirmation for the application (BzA), (3) submit the application via the house bank prior to project start, (4) sign the construction contract after approval. If the contract is concluded first, the project is considered started and the application is rejected (Quelle: kfw.de, Stand 2026). The complete process is described on the page Process.

Calculation Example: Interest Advantage (Reference Values)

The following values are to be understood explicitly as reference value ranges — the actual advantage depends on the interest rate environment, the term and the interest rate fixation. Only the daily current KfW conditions are binding.

ScenarioLoan AmountMarket Interest Rate (Reference Value)KfW Interest RateInterest Advantage (Reference Value)
KFN 297, 1 residential unit100.000 €Richtwert 3,5–4,0 % p.a.Reference value significantly belowmedium five-digit amount over interest rate fixation (reference value)
KFN 298 with QNG, 1 residential unit150.000 €Richtwert 3,5–4,0 % p.a.Reference value significantly belowhigher five-digit amount over interest rate fixation (reference value)

Reference values, Stand 2026. Binding conditions: KfW — Climate-friendly New Build.

Frequently Asked Questions about KFN 297/298

Answers on maximum loan amounts, requirements and application route for the Climate-friendly New Build — with source and Stand 2026.

What is the difference between KfW 297 and 298?
Programme 297 subsidizes the Efficiency House 40 without sustainability seal with up to 100.000 € loan per residential unit. Programme 298 additionally requires the QNG seal and increases the maximum loan amount to up to 150.000 € per residential unit (Quelle: kfw.de, Programme 297/298, Stand 2026). Both belong to the Climate-friendly New Build (KFN) programme.
What is the maximum loan amount for KFN?
For programme 297 (without QNG) it is up to 100.000 € per residential unit, for programme 298 (with QNG) up to 150.000 € per residential unit (Quelle: kfw.de, Programme 297/298, Stand 2026). For multiple residential units in one building, the limit is multiplied accordingly.
Which energy requirements apply to KFN?
Prerequisite is the Efficiency House-40 standard: The annual primary energy demand of the new build is a maximum of 40 % of a reference building. In addition, a proof of the greenhouse gas emissions over the life cycle must be provided. For the higher level (298) the QNG seal with its own greenhouse gas limit values is added (Quelle: kfw.de, Programme 297/298, Stand 2026).
How does the application via the house bank work?
The KFN application is not submitted directly to the KfW but via a financing partner (house bank, savings bank or intermediary) — and prior to project start, that is before concluding supply or construction contracts. An energy efficiency expert prepares the confirmation for the application (BzA). Only after approval is the construction contract signed (Quelle: kfw.de, Stand 2026).
How large is the interest advantage compared to a bank loan?
The KFN interest rate is noticeably below the free market rate; the exact difference varies with the interest rate environment. Over a typical interest rate fixation the advantage for a 100.000-€ loan adds up to a medium five-digit amount (reference value). The binding, daily current conditions are published by the KfW (Quelle: kfw.de, Stand 2026).
Can KFN be combined with WEF 300?
No, not for the same project: You choose either KFN (297/298) or WEF (300). WEF is more favorable in terms of interest but is tied to children in the household and an income limit; those who do not meet the WEF criteria use KFN (Quelle: kfw.de, Programme 297/298/300, Stand 2026). KFN remains combinable with state programmes and the bank loan — the allocation is clarified by the financing partner.
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