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Energy saving house with solar thermal financed with KfW loan
Energy saving house with solar thermal financed with KfW loan

Video: Energy saving house with solar thermal financed with KfW loan

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Birgit Eschstruth and her life partner Thomas Klingor are enthusiastic about new technologies and embarked on the adventure of building a house in their early 50s. And with a special concept: They built a turnkey solar house in Schaafheim, in the Darmstadt-Dieburg district. This is an energy-saving house that heats almost independently thanks to solar thermal energy.

Several factors played a role for the medical assistant Birgit Eschstruth when deciding on this property. “The crucial thing was that I got the property from my parents. And my father wanted something to come out of it that he could experience and see. 'Build a little house for you, ' he said, 'the 50-year-old looks back. “In addition, given the historically low interest rates, investing in fixed deposits or the like is out of the question. We prefer to invest our money in concrete and thus create lasting value for the next generation,”adds Thomas Klingor (51), a civil engineering professional.

Energy saving house with lots of space

However, the KfW 55 efficiency house did not become small. On the ground floor, the couple live 83 square meters: bedroom, bathroom and open kitchen-living room area, barrier-free and age-appropriate with wide doors, walk-in closet and large shower. The upper floor with three rooms on 88 square meters and a 30 square meter partially covered terrace is rented. And under the roof, the children of Birgit Eschstruth, Jennifer (18) and Colin (19) have quartered themselves on 60 square meters.

Fit for the future with a sun house

The second influencing factor was a building contractor from the neighboring town. “He gave us the tip to go to the construction fair in Aschaffenburg. There we heard a lecture by Professor Timo Leukefeld from the Sonnenhaus Institute, an expert in energy self-sufficient houses and an energy ambassador for the German government. We knew straight away that it was. That is the future, we can stand behind it,”enthuses Thomas Klingor. “Before, we had looked at at least ten different companies and house concepts. But this time we came home totally convinced,”adds the client.

Sonnenhaus mit Banner an der Straße
Sonnenhaus mit Banner an der Straße

A sun house follows the principles and standards of solar construction.

Photo: LBS

Energy from the roof via photovoltaics

The centerpiece of the sun house is the 6070 liter buffer storage, which is built on 16 square meters on the ground floor because there is no cellar. It has the task of storing the energy of the solar system (and possibly the wood boiler) for several days during the heating season. 42 square meters of solar collectors provide heat for the buffer storage, which feeds the underfloor heating and the external fresh water module. Another 30 square meters of photovoltaic collectors supply the house with electricity from above. The modules are completely integrated in the roof area. A log stove provides warmth when the sun is not shining. The builders expect three solid cubic meters of firewood per year for the whole house. “Compared to an oil or gas heating system, however, the construction costs are around 30, 000 euros higher. But the system is actually indestructible, because the circulation pumps are the only wear parts that could break. We think the investment will pay for itself in about thirty years. We may not experience that anymore, but we also built it for the children.”

Everything was just right for the “sun worshipers”: the existing building site, the energy concept and the financing with the Kreissparkasse Groß-Gerau. “We sat with our LBS district manager Anna Maria Marceddu for a long time. There was a fair struggle for the conditions so that we were able to buy our sun house in October 2016. "The prospects for the future are bright:" In the new house we can consume a lot of energy and do not have to save. It doesn't cost anything when the sun is shining."


Thomas Klingor stands in front of the buffer tank, the heart of the system. The wood stove provides warmth when the sun is not shining.

Photo: LBS

The sun house - simply explained

The term sun house refers to a house that follows the principles of solar construction and meets the requirements of this standard. The special thing about it is the solar-thermal construction and heating concept for these buildings: They largely cover their annual heat requirements for heating and hot water directly from the sun. Architects, property developers, planners, energy consultants, installers and solar system manufacturers have been part of the Sonnenhaus Institute competence network since 2004. All of them have committed themselves to the efficient and direct use of solar energy to supply buildings with heat and electricity. In this way, they achieve maximum independence and natural comfort for the residents and users of these sun houses, explains the Sonnenhaus Institute eV

The financing modules

Cleverly combined: low interest rates and security! Anna Maria Marceddu, LBS district manager at the LBS FinanzCenter Darmstadt explains: “The focus of the financing for this exciting construction project is special conditions of the KfW (Kreditanstalt für Wiederaufbau) for energy-efficient construction. We have combined this with a low-cost annuity loan from the Sparkasse, which can be replaced by special payments after ten years, such as payable life insurance. In this way, the building owner can borrow more quickly. Birgit Eschstruth has also converted an existing Riester pension contract into an LBS-Wohn-Riester contract. With this, she can use the saved credit in one sum - including the state subsidy through the homeowner allowance - to later debt relief for the property he uses."

The three components at a glance:

  • one KfW 153 loan for energy-efficient construction for each residential unit with an interest rate guarantee of 20 years,
  • a KfW 281 loan for renewable energies (solar system etc.) with an interest rate security of ten years and
  • a savings bank annuity loan that is fixed for ten years.
Anna Maria Marceddu
Anna Maria Marceddu

Anna Maria Marceddu, LBS district manager at the LBS FinanzCenter Darmstadt

Photo: LBS

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