Families with at least one child under 18 and taxable household income up to €90,000 (+€10,000 per further child) get a KfW loan from 0.01% effective for a climate-friendly new build — up to €270,000. The family programmes stayed stable in the 10 June 2026 KfW rate adjustment. Always apply BEFORE construction starts, via your financing partner.
Why KfW 300 is the biggest rate lever for families
In Munich, every tenth of a percentage point decides thousands of euros. That is exactly why the KfW Wohneigentum für Familien (300) programme is so valuable: it subsidises part of your financing to a rate the open market cannot touch. As of 29 May 2026 the effective rate starts at 0.01%, while a standard 10-year bank mortgage sits near 3.6%.
Especially relevant for mid-2026: KfW raised rates in several residential new-build programmes on 10 June 2026 — but the family programmes 300 (new build) and 308 (existing purchase) were exempted, as was Efficiency House 55 under the Climate-Friendly New Build programme. So the 0.01% entry in programme 300 still applies. It is not permanent, though: subsidy rates track the capital market, and the rate valid on your commitment date is what counts.
The catch: KfW 300 comes with three clear conditions — children in the household, an income ceiling, and a high energy standard. Clear all three and you get a subsidised loan that improves your whole financing across its entire term.
The conditions in detail (as of June 2026)
The loan amount depends on the number of children and the energy standard. Fixed-rate period up to 10 years, total term up to 35 years.
| Term / variant | Fixed period | Effective rate p.a. |
|---|---|---|
| 4–10 years | 10 years | 0.01% |
| 11–25 years | 10 years | 0.98% |
| 26–35 years | 10 years | 1.22% |
| Interest-only | matches term | 1.35% |
Source: KfW, programme 300 conditions, as of 29 May 2026. The product rate valid on the commitment date governs.
Maximum loan amounts for a climate-friendly residential building (Efficiency House 40):
| Children | Climate-friendly building | With QNG certificate |
|---|---|---|
| 1–2 children | €170,000 | €220,000 |
| 3–4 children | €200,000 | €250,000 |
| 5+ children | €220,000 | €270,000 |
The QNG certificate (sustainable-building quality seal) is optional but lifts the maximum substantially — in Munich, where every extra subsidised euro replaces expensive capital, often worth the effort.
Who qualifies? Understanding the income limit
Eligible: private individuals who will occupy the funded new build themselves (at least 50% co-ownership), with at least one child under 18 in the household, who own no residential property at application, and who did not use the old Baukindergeld.
The decisive hurdle is income. Maximum taxable annual household income:
- 1 child: €90,000
- 2 children: €100,000
- 3 children: €110,000 — plus €10,000 per further child
The word taxable matters: not your gross income, but the considerably lower zu versteuerndes Einkommen from your tax assessment — after work-related costs, pension contributions and allowances. The average of the 2nd and 3rd year before applying counts (for a 2026 application: the 2023 and 2024 assessments). Many families who feel excluded on gross salary still fit on taxable income — I check that concretely in the first consultation.
New build or existing? KfW 300 vs. KfW 308
A common mix-up: KfW 300 is only for building or first-buying a new, climate-friendly home (Efficiency House 40 with QNG-PLUS). Buying a used flat or house in Munich uses the sister programme KfW 308:
| Children | Max. household income | Max. loan (KfW 308) |
|---|---|---|
| 1 child | €90,000 | €100,000 |
| 2 children | €100,000 | €125,000 |
| 3+ children | €110,000 (+€10,000/child) | €150,000 |
For existing purchases, renovation costs are not eligible under 308 — that is what KfW 261 is for. In practice, for buyers of existing homes we often combine KfW 308 for the price with KfW 261 for the subsequent energy upgrade.
Worked example: what a Munich family saves
A family with two children builds a climate-friendly terraced house (EH40) for €750,000 with €150,000 equity. Financing need: €600,000. We structure it:
- €170,000 KfW 300 at 0.01% effective (10-year fix)
- €430,000 bank mortgage at 3.6% effective (10-year fix)
The blended effective rate drops from 3.6% to about 2.58%. On the KfW tranche alone you save roughly €6,000 in interest in the first year versus pure bank financing. Over the 10-year fix, the advantage compounds — depending on repayment — to roughly €45,000–55,000. With the QNG certificate and thus €220,000 of KfW loan, the blended rate falls further.
What to do now
- Check the income limit. Take your 2023 and 2024 tax assessments and average the taxable income. €90,000 for one child, +€10,000 per further child.
- Clarify the energy standard. KfW 300 requires Efficiency House 40 with QNG-PLUS — get written confirmation from the developer.
- Bring in an energy-efficiency expert (from the dena list) — no expert, no subsidy; part of that cost is itself eligible.
- Model the whole financing. KfW 300 delivers its value combined with a bank mortgage and possibly KfW 124. Through my access to 450+ banks I optimise the blended effective rate.
- Apply BEFORE construction starts. The KfW application runs through the financing partner and must be filed before the project begins. Sign the build contract first, and you lose the subsidy.
For internationals, none of these steps requires German citizenship — only your residence, income and the will to plan early. Bring your situation to a free consultation (in English) and I will tell you honestly whether KfW 300 fits, and how to structure the rest.
General information, not individual investment, tax or legal advice. Subsidy conditions, rates and income limits can change at short notice; the official KfW information sheets at the time of application govern. Sources: KfW programme 300 (conditions as of 29 May 2026), KfW 308, KfW leaflet 6000005060, KfW rate adjustment of 10 June 2026.