Additional Loan of NRW.BANK for Building with Wood
Published
Housing construction has great potential to contribute to resource conservation. For this reason, NRW.BANK supports developers with a new additional loan under the state's housing promotion programme.
Wood as a building material already contributes to climate protection during the construction of a building. This is why the Ministry of Home Affairs, Municipal Affairs, Building and Equality has introduced a new additional loan for construction projects with a high wood content in the context of its housing promotion programme. Regardless of whether the project involves the construction of a new building or the modernisation of existing properties, NRW.BANK offers attractive development loans under the state's housing promotion programme to create affordable and modern housing.
Attractive low interest rates with high redemption discounts of 15 to 25 percent, and partial crediting against equity, as well as a long fixed interest rate.
"Housing developers and investors who opt for a 30-year commitment period are now rewarded by the development bank for North Rhine-Westphalia with an even higher redemption discount of an additional 5 percentage points. For special aspects - such as building with wood - the repayment discount is even 50 percent. In addition, the initial interest rate on the development loans is now uniformly 0.0 percent in NRW for a period of 15 years. In modernisation promotion, building owners can now benefit from a repayment discount of up to 30 percent (regularly 20 percent) if they use certified ecological insulation materials or achieve an above-average energy standard."
The Agency for Renewable Resources (Fachagentur Nachwachsende Rohstoffe e. V. - FNR) provides guidelines for submitting outlines and applications for projects within the scope of the Forest Climate Fund. (FNR) supports potentially interested parties in applying for funding. The guidelines are available in printed form and for Download before.
The 58-page brochure in A5 format provides concise information on the funding procedure and quickly explains how to use the easy-Online internet portal to submit a project outline and project application. Fact sheets and explanations on state aid law supplement the funding guidelines.
The "Guidelines for the submission of outlines and applications under the joint BMEL and BMU Forest Climate Fund funding line" are aimed not only at research institutions and research associations, but also at state forestry institutions, municipalities, forestry associations and other associations, as well as private individuals whose projects fall under one of the five priority areas of the Forest Climate Fund funding guideline.
Funding from the Forest Climate Fund, which is jointly financed by the Federal Ministry of Food and Agriculture (BMEL) and the Federal Ministry for the Environment, Nature Conservation and Nuclear Safety (BMU), can be applied for for projects with a maximum duration of 5 years.
Background:
The Forest Climate Fund funding guideline was launched jointly by BMEL and BMU in 2013 as part of the Energy and Climate Fund.
Forestry and landscaping projects to adapt forests to climate change and to ensure carbon storage and increase CO2-The following projects are aimed at increasing the storage of wood products and the CO2-reduction and substitution by wood products, projects on research and monitoring, and projects on information and communication. The funding procedure is two-stage, i.e. applicants first submit a project outline and after successful review by the project management agency FNR and coordination with the ministries BMU and BMEL, a project application is invited.
The FNR has been active as the BMEL's project management agency for the Renewable Resources funding programme since 1993. It also supports research topics in the fields of sustainable forestry and innovative wood use. Since 1 January 2019, it has also been the project management agency for the Forest Climate Fund funding guideline. The Competence and Information Centre for Forests and Wood (KIWUH) is a department of the FNR.
The following 2 minute video (Nov. 2015) reports on the visions for the urban future of the Morgenstadt program and the focal points of the Fraunhofer Gesellschaft's work:
Strengthen energy refurbishment of buildings and demand responsibility from landlords.
Housing policy must create supportive framework conditions and thus contribute to the reduction of living space.
"For a necessary energy turnaround in the housing industry, conditions must be created that demonstrate noticeable incentives for owners and users to consume less energy in the future," says DAI President Dipl.-Ing. Architekt Arnold Ernst. On the occasion of the Federation Day of the German Associations of Architects and Engineers (DAI), a declaration on current topics of building and planning culture is published in annual succession. For previous DAI statements, see below.
In Germany, CO2 emissions from buildings are equivalent to the pollution caused by traffic. The intensity of the public discussion does not reflect this. This is all the more reason why architects and engineers are called upon to show responsibility in their field and to demonstrate ways in which they intend to make their contribution to sustainable climate protection.
The technical solutions are available, and we need to develop better methods, especially for the sustainable retrofitting of existing buildings. However, there is a lack of incentives for owners and users to implement and tolerate energy-efficient refurbishment. It is easier to demand climate protection than to pay for it. The environmental impact of CO2 emissions is (still) free, but avoiding it costs money, a lot of money in existing buildings. The landlord shies away from the investment because only a small part can be passed on to the rents. The tenant has an understandable insistence on not changing the size and location of his flat, especially as long as the parties keep deciding on new socially undifferentiated benefits in the competition for the cheapest rents. Both landlords and tenants must make their economic contribution in order to finance the comprehensive energy-efficient refurbishment of the housing stock.
The benchmark for all participants must be the Polluter pays principle be. Those who contribute to the release of CO2 must have an economic advantage if they actively participate in the reduction; those who refuse to participate must have an economic disadvantage as a result.
The DAI demands:
A CO2 levy for each sqm of heated floor space according to the information in the energy performance certificate from level B. This levy is covered by the Owner to pay.
A CO2 levy on the energy used according to consumption and specific CO2 emissions. This levy is determined by the Tenant to pay.
Both levies make it more expensive to live in buildings that are not optimised in terms of energy efficiency. Weighing up the direct financial burden on those affected and the long-term burden of climate change, the DAI considers the additional costs incurred to be justified. Support for economically weak households in line with the social market economy must ensure that the entitlement to adequate housing is met.
As appropriate in the sense of social indigence 30 sqm per person + 20 sqm for each additional person in a dwelling are considered. Appropriate transitional periods should on the one hand avoid social hardship and on the other hand continuously stimulate stronger incentives for the adaptation of housing conditions to economic performance. In order to also stimulate the corresponding adjustment processes above the level of social need, the regulation of the rent level should be waived, but in the case of existing tenancies with an appropriate limitation of the annual increase, also in order to facilitate the adjustment to economic performance.
DAI Presidium
Note sdg21: the statement presented here does not reflect the opinion of the sdg21 editorial team.
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