{"id":29087,"date":"2025-01-08T14:00:00","date_gmt":"2025-01-08T13:00:00","guid":{"rendered":"https:\/\/finbird.de\/mortgages\/template-2\/"},"modified":"2026-05-04T11:58:09","modified_gmt":"2026-05-04T10:58:09","slug":"renovation-projects","status":"publish","type":"page","link":"https:\/\/finbird.de\/en\/baufinanzierung\/modernisierung\/","title":{"rendered":"Modernisierung &#038; Sanierung finanzieren"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"29087\" class=\"elementor elementor-29087\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5344f77 e-con-full e-flex e-con e-parent\" data-id=\"5344f77\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f02b88e elementor-widget elementor-widget-jet-engine-component-45627\" data-id=\"f02b88e\" data-element_type=\"widget\" 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.elementor-element.elementor-element-28642bd{--width:65%;}}@media(max-width:1250px) and (min-width:768px){.elementor-45627 .elementor-element.elementor-element-28642bd{--width:100%;}}\/* Start custom CSS for heading, class: .elementor-element-8cb7e1b *\/@media (max-width: 1024px) {\n    .elementor-45627 .elementor-element.elementor-element-8cb7e1b {\n        hyphens: auto;\n        text-wrap: balance;\n    }\n}\/* End custom CSS *\/\n\/* Start custom CSS for heading, class: .elementor-element-2eed972 *\/.elementor-45627 .elementor-element.elementor-element-2eed972 {\n    text-wrap: balance;\n}\/* End custom CSS *\/\n\/* Start custom CSS for icon-list, class: .elementor-element-ecc6afa *\/.elementor-45627 .elementor-element.elementor-element-ecc6afa .elementor-icon-list-item:has(.elementor-icon-list-text:empty) {\n    display: none;\n}\/* End custom CSS *\/\n\/* Start custom CSS for container, class: .elementor-element-40206c8 *\/.elementor-45627 .elementor-element.elementor-element-40206c8 {\n    transition: none;\n}\/* End custom CSS *\/<\/style><style type=\"text\/css\">.jet-component-instance-5516.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8:not(.elementor-motion-effects-element-type-background), .jet-component-instance-5516.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/apartment-renovation-before-after.jpg\");}@media(max-width:1250px){.jet-component-instance-5516.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8:not(.elementor-motion-effects-element-type-background), .jet-component-instance-5516.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/apartment-renovation-before-after.jpg\");}}@media(max-width:767px){.jet-component-instance-5516.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8:not(.elementor-motion-effects-element-type-background), .jet-component-instance-5516.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/apartment-renovation-before-after.jpg\");}}<\/style>\t\t<div data-elementor-type=\"jet-engine-component\" data-elementor-id=\"45627\" class=\"elementor elementor-45627 jet-listing-grid--45627 jet-component-instance-5516\" data-elementor-post-type=\"jet-engine\" style=\"\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40206c8 e-flex e-con-boxed e-con e-parent\" data-id=\"40206c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-28642bd e-con-full e-flex e-con e-child\" data-id=\"28642bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cb7e1b elementor-widget elementor-widget-heading\" data-id=\"8cb7e1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Renovations<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eed972 elementor-widget elementor-widget-heading\" data-id=\"2eed972\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><p>Professional solutions for financing modernization, renovation and refurbishment projects.<\/p><\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be9e6c4 elementor-widget elementor-widget-spacer\" data-id=\"be9e6c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9cd174 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"e9cd174\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-en.finbird.digital\/?source=\/en\/mortgages\/renovation-projects\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact An Advisor<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-095c9a4 elementor-widget elementor-widget-spacer\" data-id=\"095c9a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecc6afa elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ecc6afa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66a93c0 e-flex e-con-boxed e-con e-parent\" data-id=\"66a93c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19a5bb4 elementor-widget elementor-widget-heading\" data-id=\"19a5bb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Renovation Measures<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dfdd4b elementor-widget elementor-widget-text-editor\" data-id=\"9dfdd4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Modernizing an existing property increases the quality of the building substance of one's own living space and usually also has a positive influence on the value of the property. finbird supports you in finding optimal financing options for modernization, renovation or comprehensive refurbishment projects for your property. In particular, we structure financing concepts for our customers to achieve higher energy efficiency while always checking the possibilities of integrating public funding for the project.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68dce83 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"68dce83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-en.finbird.digital\/?source=\/en\/mortgages\/renovation-projects\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact An Advisor<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b56e12f e-flex e-con-boxed e-con e-parent\" data-id=\"b56e12f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f187fe elementor-widget elementor-widget-heading\" data-id=\"0f187fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mortgages for Renovations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33d7191 elementor-widget elementor-widget-text-editor\" data-id=\"33d7191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Loans for modernization, refurbishment and renovation are specialized loans for real estate owners who want to renovate their properties. In contrast to regular mortgages, which are used to purchase existing properties, loans for modernization are specifically intended to finance renovation measures of existing properties. This allows for major modernization or renovation work to be carried out that not only increases the property value, but also the energy efficiency and quality of a property. Before you start a modernization project, you should calculate the costs of the renovation projects in detail. It is also advisable to plan a financial buffer into your calculation, since unexpected delays and cost increases can often occur during modernization projects.<\/p><p>Public funding options such as KfW loans and loans provided for renovation measures to increase the energy efficiency of a building can offer attractive conditions for homeowners, especially when combined with the realization of long-term energy-saving potential as part of renovation projects.<\/p><p>Projects may qualify for state funding from the KfW (Kreditanstalt f\u00fcr Wiederaufbau), particularly if the projects are aimed at increasing energy efficiency. An overview of all applicable public funding can be found on the website.<a href=\"https:\/\/www.kfw.de\/kfw.de.html\" target=\"_blank\" rel=\"noopener\"> of KfW<\/a>.<\/p><p>However, as rules and regulations are constantly changing, it is recommended to speak to a mortgage expert who can effectively advise you as a borrower on the current rules for KfW loans, the eligibility of your project and its suitability for certain funding structures.<\/p><p>As part of our consulting services, we at finbird check the integration of government funding for each financing concept and provide you with a comprehensive overview of the funding and financing options available for your new renovation project.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb78bf elementor-widget elementor-widget-image\" data-id=\"5cb78bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark-300x300.png\" class=\"attachment-medium size-medium wp-image-2262\" alt=\"Watermark version of the finbird logo in transparent or light display\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark-300x300.png 300w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark-150x150.png 150w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark-768x768.png 768w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark-12x12.png 12w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark.svg 886w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40f6d72 e-flex e-con-boxed e-con e-parent\" data-id=\"40f6d72\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4251af elementor-widget elementor-widget-heading\" data-id=\"c4251af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financing Cases<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad9ef0f elementor-testimonial--align-left elementor-testimonial--skin-default elementor-testimonial--layout-image_inline elementor-arrows-yes elementor-pagination-type-bullets elementor-widget elementor-widget-testimonial-carousel\" data-id=\"ad9ef0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:12000,&quot;lazyload&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;show_arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"testimonial-carousel.default\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tA couple purchased a heritage-listed flat with the intention of renovating it before renting it out. However, the project presented a number of challenges: strict zoning laws, restrictions regarding strict adherence to the preservation order, and the balancing act between integrating modern elements and preserving the existing building fabric. Thanks to good preparation, the refurbishment was successfully completed and this helped to increase the attractiveness of the apartment for future tenants, while the owners were also able to benefit from tax-efficient depreciation rates.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img class=\"swiper-lazy\" data-src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/apartment-renovation-before-after-300x200.jpg\" alt=\"Apartment room renovation before and after split-screen transformation.\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Refurbishment of a heritage-listed apartment<\/span><span class=\"elementor-testimonial__title\">Berlin<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tNew homeowners in Mainz purchased a house with the goal of increasing its energy efficiency through modernization measures, including improved insulation and the installation of a photovoltaic system. The project was eligible for public funding, but there were delays in obtaining a building permit. The project was structured with a corresponding interest-free period to take into account the uncertainties regarding the delays with building permission. The building permit was granted in time to ensure the successful completion of the measures. The owners benefited from an improved energy balance and lower energy costs in the future.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img class=\"swiper-lazy\" data-src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/thermal-imaging-heat-leak-detection-300x152.jpg\" alt=\"Energy-efficient refurbishment of a detached house\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Energy-efficient refurbishment of a detached house<\/span><span class=\"elementor-testimonial__title\">Mainz<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tA family purchased an older townhouse in Hamburg. They planned a complete refurbishment of the property and the project qualified for the inclusion of public development loans. Although the project included extensive insulation, it faced the challenge of integrating new technologies into the old building substance. All the electrical and plumbing systems had to be renewed and the floor plan redesigned. As part of the project financing, a progressive financing plan was structured for the measures, which provided the necessary financial resources as and when needed and ensured the successful implementation of the individual construction phases until the refurbishment was completed.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img class=\"swiper-lazy\" data-src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/regensburg-historic-architecture-tower-300x200.jpg\" alt=\"Refurbishment of a town house\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Refurbishment of a town house<\/span><span class=\"elementor-testimonial__title\">Hamburg<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Voriger\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"N\u00e4chster\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-368ed38 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"368ed38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-en.finbird.digital\/?source=\/en\/mortgages\/renovation-projects\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact An Advisor<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a167e35 e-flex e-con-boxed e-con e-parent\" data-id=\"a167e35\" data-element_type=\"container\" data-e-type=\"container\" id=\"faq\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d781811 elementor-widget elementor-widget-heading\" data-id=\"d781811\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cf0343 elementor-widget elementor-widget-n-accordion\" data-id=\"6cf0343\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;expanded&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1140\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1140\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are renovation loans and how do I get them? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1140\" class=\"elementor-element elementor-element-e96096a e-con-full e-flex e-con e-child\" data-id=\"e96096a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-144a392 elementor-widget elementor-widget-text-editor\" data-id=\"144a392\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Renovation loans are loans used to finance the modernization, refurbishment or renovation of homes. Homeowners can apply for these loans by determining a specific list of the costs of the planned measures and having relevant building plans drawn up for them. This is usually done in collaboration with an architect or construction expert. Loans for modernization are usually paid out in stages and in line with the implementation phases of the project. Often, the milestones of the project must be documented and verified throughout the entire modernization process by means of invoices or other evidence. The costs of the project should be manageable for the borrower and the project should show how the modernization measures will increase the value of the home.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1141\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1141\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are the advantages of incorporating public funding for renovation projects? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1141\" class=\"elementor-element elementor-element-ae6174a e-con-full e-flex e-con e-child\" data-id=\"ae6174a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3f0ec1 elementor-widget elementor-widget-text-editor\" data-id=\"b3f0ec1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>KfW loans from public funds can be integrated for larger refurbishments. The advantages of integrating KfW funding for renovation projects include low interest rates and repayment bonuses. A project's eligibility for funding is subject to certain conditions, which is why it is important that owners who want to upgrade their living space in an economical and environmentally friendly way familiarize themselves with the KfW's qualification criteria at an early stage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1142\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1142\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What criteria apply to subsidies for energy-efficient refurbishment? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1142\" class=\"elementor-element elementor-element-5a2a868 e-con-full e-flex e-con e-child\" data-id=\"5a2a868\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61747b1 elementor-widget elementor-widget-text-editor\" data-id=\"61747b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In order for an energy-efficient refurbishment to be eligible for public funding, the refurbishment must meet certain energy standards and requirements set by KfW in its guidelines. These requirements demand that the home be brought up to a standard that significantly reduces the house's energy consumption, which can be achieved through measures such as insulation, new windows and modern heating systems.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1143\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1143\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does energy-efficient refurbishment increase the value of a home? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1143\" class=\"elementor-element elementor-element-6a0850a e-con-full e-flex e-con e-child\" data-id=\"6a0850a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18ab342 elementor-widget elementor-widget-text-editor\" data-id=\"18ab342\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Energy-efficient modernization can increase the market value of a home by improving the structure, reducing future energy costs and making the property more attractive to a wider range of potential buyers or renters. Measures such as a photovoltaic system, more efficient insulation or better insulation pay off in the form of lower energy costs and greater comfort.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1144\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1144\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What documents are required to apply for renovation loans? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1144\" class=\"elementor-element elementor-element-d4c4254 e-con-full e-flex e-con e-child\" data-id=\"d4c4254\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46580b1 elementor-widget elementor-widget-text-editor\" data-id=\"46580b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>To apply for a loan to modernize a home, borrowers must provide specific project plans, cost estimates, offers from construction companies, proof of ownership of the property and sometimes additional expert opinions. Lenders also require proof of income as part of a solvency evaluation to assess the borrower's borrowing capacity and the viability of the financing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1145\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1145\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Are there special interest rates or conditions for KfW loans? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1145\" class=\"elementor-element elementor-element-310fe34 e-con-full e-flex e-con e-child\" data-id=\"310fe34\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf92a9 elementor-widget elementor-widget-text-editor\" data-id=\"3bf92a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>KfW loans can, depending on the program, provide attractive interest rates that may be lower than standard market interest rates for a real estate loan, especially if they are used for energy efficiency measures or for special target groups such as families. Some of the programs also offer repayment subsidies, i.e. the borrower does not have to repay part of the loan. Attractive interest rates and conditions through public development loans are designed to create incentives for homeowners to carry out energy-efficient and cost-saving modernization of their homes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1146\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1146\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How do I calculate the costs for an energy-efficient refurbishment? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1146\" class=\"elementor-element elementor-element-1c00be2 e-con-full e-flex e-con e-child\" data-id=\"1c00be2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7915c8b elementor-widget elementor-widget-text-editor\" data-id=\"7915c8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The costs of an energy-efficient refurbishment must be determined by a specialist. This is usually done by an architect, a construction company or, in the case of energy-efficient measures, a qualified energy consultant, who prepares a detailed and realistic cost estimate for materials and labor. If KfW promotional loans are involved, a qualified energy consultant must be involved. The energy consultant provides support during the loan application process and accompanies the renovation measures throughout. Compliance with the guidelines set out in the funding programs is a prerequisite for the granting of KfW funds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1147\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1147\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What costs are included in a renovation loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1147\" class=\"elementor-element elementor-element-f869164 e-con-full e-flex e-con e-child\" data-id=\"f869164\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0de61fb elementor-widget elementor-widget-text-editor\" data-id=\"0de61fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Some lenders offer real estate financing that covers both the purchase price of an existing property and a tranche for modernization. The modernization tranche can be taken out either at the time of purchase or afterwards. However, both tranches are usually applied for together, especially if the borrower wants to carry out the modernization work before moving into the new home. A comprehensive refurbishment may also be necessary if the property is not habitable before modernization.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1148\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1148\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the difference between renovation loans and regular mortgages? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewbox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1148\" class=\"elementor-element elementor-element-e9e2dce e-con-full e-flex e-con e-child\" data-id=\"e9e2dce\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d34e80c elementor-widget elementor-widget-text-editor\" data-id=\"d34e80c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Loans for renovation projects are intended for existing homes, while mortgages are usually used to purchase new homes from a developer or to build your own building projects.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76324ab e-flex e-con-boxed e-con e-parent\" data-id=\"76324ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84ccdd2 elementor-widget elementor-widget-heading\" data-id=\"84ccdd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financing Process<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ff28cf elementor-widget elementor-widget-text-editor\" data-id=\"8ff28cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As part of our process for private renovation projects, we start with an initial consultation to discuss the scope of the project, the financial requirements and the objectives of the renovation project. We then guide you through the various financing options to determine a suitable financing concept. For each project, we check the possibilities for integrating relevant KfW funding for your renovation project. We take care of the credit application for you and ensure that all the necessary documents are available in the correct form for submission to the lender so that the loan can be approved in good time. As the renovation projects progress, we are available to disburse the funds until the renovation project is completed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b117c97 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"b117c97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-en.finbird.digital\/?source=\/en\/mortgages\/renovation-projects\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact An Advisor<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b9b72d e-flex e-con-boxed e-con e-parent\" data-id=\"9b9b72d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c7f4eba e-flex e-con-boxed e-con e-child\" data-id=\"c7f4eba\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<a class=\"elementor-element elementor-element-b5d2311 e-con-full e-flex e-con e-child\" data-id=\"b5d2311\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/en\/baufinanzierung\/wohneigentum\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2787d3f elementor-widget elementor-widget-image\" data-id=\"2787d3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/key-house-icon-black.png\" class=\"attachment-large size-large wp-image-2573\" alt=\"Schwarzes Icon mit Haus und Schl\u00fcssel \u2013 Symbol f\u00fcr Immobilienkauf, \u00dcbergabe oder Vermietung\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74cfcdc elementor-widget elementor-widget-heading\" data-id=\"74cfcdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Residential Homes<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-193bde6 e-con-full e-flex e-con e-child\" data-id=\"193bde6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/en\/baufinanzierung\/kapitalanlage\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38e25e3 elementor-widget elementor-widget-image\" data-id=\"38e25e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/real-estate-hand-icon-black.png\" class=\"attachment-large size-large wp-image-2567\" alt=\"Schwarzes Icon mit Hand, die ein Haus tr\u00e4gt \u2013 Symbol f\u00fcr Immobilienberatung, Betreuung oder Service\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/real-estate-hand-icon-black.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/real-estate-hand-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7086bee elementor-widget elementor-widget-heading\" data-id=\"7086bee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Investment Properties\n\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-008182a e-con-full e-flex e-con e-child\" data-id=\"008182a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/en\/baufinanzierung\/ferienhaus\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4e76e6 elementor-widget elementor-widget-image\" data-id=\"f4e76e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/resort-icon-black.png\" class=\"attachment-large size-large wp-image-2582\" alt=\"Schwarzes Icon mit stilisiertem Geb\u00e4ude und Palme \u2013 Symbol f\u00fcr Resorts, Ferienimmobilien oder touristische Anlagen\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/resort-icon-black.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/resort-icon-black-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdfb45c elementor-widget elementor-widget-heading\" data-id=\"bdfb45c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Holiday Homes<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54d439a e-flex e-con-boxed e-con e-child\" data-id=\"54d439a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<a class=\"elementor-element elementor-element-5c80289 e-con-full e-flex e-con e-child\" data-id=\"5c80289\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/en\/baufinanzierung\/bauvorhaben\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5da103a elementor-widget elementor-widget-image\" data-id=\"5da103a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/building-project-icon-black.png\" class=\"attachment-large size-large wp-image-4994\" alt=\"Schwarzes Icon mit Geb\u00e4ude und Plan- oder Werkzeugsymbol \u2013 Symbol f\u00fcr Bauvorhaben oder Projektentwicklung\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-761d750 elementor-widget elementor-widget-heading\" data-id=\"761d750\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Building Projects<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-56335e0 e-con-full e-flex e-con e-child\" data-id=\"56335e0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/en\/baufinanzierung\/mehrfamilienhaus\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2d591f elementor-widget elementor-widget-image\" data-id=\"d2d591f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/two-storey-house-icon-black.png\" class=\"attachment-large size-large wp-image-4995\" alt=\"Schwarzes Icon mit zweist\u00f6ckigem Haus \u2013 Symbol f\u00fcr Einfamilienhaus mit zwei Etagen\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ecdf72 elementor-widget elementor-widget-heading\" data-id=\"7ecdf72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Apartment Buildings<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-408ed30 e-flex e-con-boxed e-con e-child\" data-id=\"408ed30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/finbird.de\/en\/baufinanzierung\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ecf941 elementor-widget elementor-widget-image\" data-id=\"2ecf941\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/go-back-arrow-icon-yellow.png\" class=\"attachment-large size-large wp-image-33117\" alt=\"Gelbes Icon mit Pfeil nach links \u2013 Symbol f\u00fcr \u201eZur\u00fcck\u201c oder vorherigen Schritt\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/go-back-arrow-icon-yellow.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/go-back-arrow-icon-yellow-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6979adc elementor-widget elementor-widget-heading\" data-id=\"6979adc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Back to Mortgages<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fd3988 e-con-full e-flex e-con e-parent\" data-id=\"5fd3988\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d127b9 elementor-widget elementor-widget-jet-engine-component-45642\" data-id=\"8d127b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-engine-component-45642.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-45642 .elementor-element.elementor-element-7e52cbd{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-45642 .elementor-element.elementor-element-7e52cbd:not(.elementor-motion-effects-element-type-background), .elementor-45642 .elementor-element.elementor-element-7e52cbd > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-695f600 );}.elementor-45642 .elementor-element.elementor-element-1ce9133{--display:flex;--margin-top:75px;--margin-bottom:75px;--margin-left:0px;--margin-right:0px;}.elementor-45642 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--e-global-typography-69aabbb-line-height );letter-spacing:var( --e-global-typography-69aabbb-letter-spacing );word-spacing:var( --e-global-typography-69aabbb-word-spacing );}.elementor-45642 .elementor-element.elementor-element-5f7690c{font-size:var( --e-global-typography-047c7b3-font-size );line-height:var( --e-global-typography-047c7b3-line-height );letter-spacing:var( --e-global-typography-047c7b3-letter-spacing );word-spacing:var( --e-global-typography-047c7b3-word-spacing );}.elementor-45642 .elementor-element.elementor-element-fd84e2b{--swiper-slides-to-display:1;--swiper-offset-size:0px;--arrow-prev-left-align:50%;--arrow-prev-translate-x:-50%;--arrow-prev-left-position:-25px;--arrow-prev-top-align:100%;--arrow-prev-translate-y:-100%;--arrow-next-right-align:50%;--arrow-next-translate-x:50%;--arrow-next-right-position:-25px;--arrow-next-top-align:100%;--arrow-next-translate-y:-100%;--dots-horizontal-position:50%;--dots-horizontal-transform:-50%;--dots-horizontal-offset:0px;--dots-vertical-position:100%;--dots-vertical-transform:-100%;--dots-vertical-offset:-50px;margin:0px 0px calc(var(--kit-widget-spacing, 0px) + 0px) 0px;padding:0px 0px 60px 0px;}}<\/style>\t\t<div data-elementor-type=\"jet-engine-component\" data-elementor-id=\"45642\" class=\"elementor elementor-45642 jet-listing-grid--45642 jet-component-instance-2274\" data-elementor-post-type=\"jet-engine\" style=\"\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e52cbd e-flex e-con-boxed e-con e-parent\" data-id=\"7e52cbd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1ce9133 e-con-full e-flex e-con e-child\" data-id=\"1ce9133\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-f2cd1ce e-con-full e-flex e-con e-child\" data-id=\"f2cd1ce\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7bfd86 elementor-widget elementor-widget-heading\" data-id=\"c7bfd86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Expertise &amp; Insights<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f7690c elementor-widget elementor-widget-text-editor\" data-id=\"5f7690c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Expertise and Insights from the Financing World<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd84e2b fb-carousel-gradient--right elementor-pagination-type-bullets elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-loop-carousel\" data-id=\"fd84e2b\" data-element_type=\"widget\" data-e-type=\"widget\" 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data-widget_type=\"loop-carousel.post\">\n\t\t\t\t\t\t\t<div class=\"swiper elementor-loop-container elementor-grid\" role=\"list\" dir=\"ltr\">\n\t\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t<style id=\"loop-45025\">.elementor-45025 .elementor-element.elementor-element-3e7d00f{--display:flex;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--overflow:hidden;border-style:none;--border-style:none;--border-radius:8px 8px 8px 8px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-45025 .elementor-element.elementor-element-3e7d00f:not(.elementor-motion-effects-element-type-background), .elementor-45025 .elementor-element.elementor-element-3e7d00f > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-ae76eea );}.elementor-45025 .elementor-element.elementor-element-ebe2938 img{width:100%;max-width:100%;height:175px;object-fit:cover;object-position:center center;border-radius:8px 8px 0px 0px;}.elementor-45025 .elementor-element.elementor-element-bfe7a9d{--display:flex;--gap:20px 20px;--row-gap:20px;--column-gap:20px;--padding-top:20px;--padding-bottom:20px;--padding-left:20px;--padding-right:20px;}.elementor-45025 .elementor-element.elementor-element-bfe7a9d:not(.elementor-motion-effects-element-type-background), .elementor-45025 .elementor-element.elementor-element-bfe7a9d > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-ae76eea );}.elementor-45025 .elementor-element.elementor-element-bfe7a9d.e-con{--flex-grow:1;--flex-shrink:0;}.elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-icon{width:14px;}.elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-icon i{font-size:14px;}.elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-icon svg{--e-icon-list-icon-size:14px;}.elementor-45025 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.elementor-button{font-size:var( --e-global-typography-2d5a38a-font-size );line-height:var( --e-global-typography-2d5a38a-line-height );letter-spacing:var( --e-global-typography-2d5a38a-letter-spacing );word-spacing:var( --e-global-typography-2d5a38a-word-spacing );}}\/* Start custom CSS for image, class: .elementor-element-ebe2938 *\/.elementor-45025 .elementor-element.elementor-element-ebe2938 a {\n    width: 100%;\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"45025\" class=\"elementor elementor-45025 swiper-slide e-loop-item e-loop-item-32629 post-32629 post type-post status-publish format-standard has-post-thumbnail hentry category-de-bauvorhaben category-de-baufinanzierung category-de-berlin category-de-duesseldorf category-de-ferienhaus category-de-frankfurt category-de-hamburg category-de-kapitalanlage category-de-mehrfamilienhaus category-de-modernisierung category-de-muenchen category-de-stuttgart category-de-wohneigentum\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-3e7d00f e-flex e-con-boxed e-con e-parent\" data-id=\"3e7d00f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebe2938 elementor-widget elementor-widget-image\" data-id=\"ebe2938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/finbird.de\/en\/blog\/hausbau-mit-baufirma-oder-in-eigenregie\/\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/happy-couple-discussion-with-contractor-768x512.jpg\" class=\"elementor-animation-grow attachment-medium_large size-medium_large wp-image-34473\" alt=\"Happy couple discussing building plans with contractor on lively building site background.\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/happy-couple-discussion-with-contractor-768x512.jpg 768w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/happy-couple-discussion-with-contractor-300x200.jpg 300w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/happy-couple-discussion-with-contractor-1024x683.jpg 1024w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/happy-couple-discussion-with-contractor-1536x1024.jpg 1536w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/happy-couple-discussion-with-contractor-2048x1365.jpg 2048w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/mortgages\/happy-couple-discussion-with-contractor-18x12.jpg 18w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfe7a9d e-con-full e-flex e-con e-child\" data-id=\"bfe7a9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54453c0 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-post-info\" data-id=\"54453c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-5a567d0 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Mortgages<\/span>, <span class=\"elementor-post-info__terms-list-item\">Building Projects<\/span>, <span class=\"elementor-post-info__terms-list-item\">Berlin<\/span>, <span class=\"elementor-post-info__terms-list-item\">D\u00fcsseldorf<\/span>, <span class=\"elementor-post-info__terms-list-item\">Holiday Homes<\/span>, <span class=\"elementor-post-info__terms-list-item\">Frankfurt<\/span>, <span class=\"elementor-post-info__terms-list-item\">Hamburg<\/span>, <span class=\"elementor-post-info__terms-list-item\">Investment Properties<\/span>, <span class=\"elementor-post-info__terms-list-item\">Apartment Buildings<\/span>, <span class=\"elementor-post-info__terms-list-item\">Renovations<\/span>, <span class=\"elementor-post-info__terms-list-item\">Munich<\/span>, <span class=\"elementor-post-info__terms-list-item\">Stuttgart Mortgages<\/span>, <span class=\"elementor-post-info__terms-list-item\">Residential Homes<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d1d5f4 fb-full-link elementor-widget elementor-widget-heading\" data-id=\"4d1d5f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/finbird.de\/en\/blog\/hausbau-mit-baufirma-oder-in-eigenregie\/\">Contracted or Self-Directed House Construction - Advantages &amp; Disadvantages<\/a><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33347da elementor-widget elementor-widget-button\" data-id=\"33347da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Weiterlesen<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"45025\" class=\"elementor elementor-45025 swiper-slide e-loop-item e-loop-item-32633 post-32633 post type-post status-publish format-standard has-post-thumbnail hentry category-de-modernisierung category-de-baufinanzierung category-de-bauvorhaben category-de-berlin category-de-duesseldorf category-de-ferienhaus category-de-frankfurt category-de-hamburg category-de-kapitalanlage category-de-mehrfamilienhaus category-de-muenchen category-de-stuttgart category-de-wohneigentum\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-3e7d00f e-flex e-con-boxed e-con e-parent\" data-id=\"3e7d00f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebe2938 elementor-widget elementor-widget-image\" data-id=\"ebe2938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/finbird.de\/en\/blog\/vorteile-und-nachteile-energieeffizienter-modernisierung\/\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"390\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/thermal-imaging-heat-leak-detection-768x390.jpg\" class=\"elementor-animation-grow attachment-medium_large size-medium_large wp-image-35027\" alt=\"Thermal image analysis to identify heat loss from windows for better energy efficiency.\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/thermal-imaging-heat-leak-detection-768x390.jpg 768w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/thermal-imaging-heat-leak-detection-300x152.jpg 300w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/thermal-imaging-heat-leak-detection-1024x520.jpg 1024w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/thermal-imaging-heat-leak-detection-1536x780.jpg 1536w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/thermal-imaging-heat-leak-detection-2048x1040.jpg 2048w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/thermal-imaging-heat-leak-detection-18x9.jpg 18w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfe7a9d e-con-full e-flex e-con e-child\" data-id=\"bfe7a9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54453c0 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-post-info\" data-id=\"54453c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-5a567d0 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Mortgages<\/span>, <span class=\"elementor-post-info__terms-list-item\">Building Projects<\/span>, <span class=\"elementor-post-info__terms-list-item\">Berlin<\/span>, <span class=\"elementor-post-info__terms-list-item\">D\u00fcsseldorf<\/span>, <span class=\"elementor-post-info__terms-list-item\">Holiday Homes<\/span>, <span class=\"elementor-post-info__terms-list-item\">Frankfurt<\/span>, <span class=\"elementor-post-info__terms-list-item\">Hamburg<\/span>, <span class=\"elementor-post-info__terms-list-item\">Investment Properties<\/span>, <span class=\"elementor-post-info__terms-list-item\">Apartment Buildings<\/span>, <span class=\"elementor-post-info__terms-list-item\">Renovations<\/span>, <span class=\"elementor-post-info__terms-list-item\">Munich<\/span>, <span class=\"elementor-post-info__terms-list-item\">Stuttgart Mortgages<\/span>, <span class=\"elementor-post-info__terms-list-item\">Residential Homes<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d1d5f4 fb-full-link elementor-widget elementor-widget-heading\" data-id=\"4d1d5f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/finbird.de\/en\/blog\/vorteile-und-nachteile-energieeffizienter-modernisierung\/\">Energy Efficiency &amp; Modernization: Advantages &amp; Measures<\/a><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33347da elementor-widget elementor-widget-button\" data-id=\"33347da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Weiterlesen<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"45025\" class=\"elementor elementor-45025 swiper-slide e-loop-item e-loop-item-32814 post-32814 post type-post status-publish format-standard has-post-thumbnail hentry category-de-wohneigentum category-de-baufinanzierung category-de-bauvorhaben category-de-berlin category-de-duesseldorf category-de-ferienhaus category-de-frankfurt category-de-hamburg category-de-kapitalanlage category-de-mehrfamilienhaus category-de-modernisierung category-de-muenchen category-de-stuttgart\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-3e7d00f e-flex e-con-boxed e-con e-parent\" data-id=\"3e7d00f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebe2938 elementor-widget elementor-widget-image\" data-id=\"ebe2938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/finbird.de\/en\/blog\/schufa-score-und-einfluss-auf-den-hauskauf\/\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"576\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/kodak-office-building-glass-facade-768x576.jpg\" class=\"elementor-animation-grow attachment-medium_large size-medium_large wp-image-35025\" alt=\"Modern office building with elegant glass fa\u00e7ade and red accent, surrounded by green spaces.\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/kodak-office-building-glass-facade-768x576.jpg 768w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/kodak-office-building-glass-facade-300x225.jpg 300w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/kodak-office-building-glass-facade-1024x768.jpg 1024w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/posts\/kodak-office-building-glass-facade-1536x1152.jpg 1536w, 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elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-5a567d0 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Mortgages<\/span>, <span class=\"elementor-post-info__terms-list-item\">Building Projects<\/span>, <span class=\"elementor-post-info__terms-list-item\">Berlin<\/span>, <span class=\"elementor-post-info__terms-list-item\">D\u00fcsseldorf<\/span>, <span class=\"elementor-post-info__terms-list-item\">Holiday Homes<\/span>, <span class=\"elementor-post-info__terms-list-item\">Frankfurt<\/span>, <span class=\"elementor-post-info__terms-list-item\">Hamburg<\/span>, <span class=\"elementor-post-info__terms-list-item\">Investment Properties<\/span>, <span class=\"elementor-post-info__terms-list-item\">Apartment Buildings<\/span>, <span class=\"elementor-post-info__terms-list-item\">Renovations<\/span>, <span class=\"elementor-post-info__terms-list-item\">Munich<\/span>, <span class=\"elementor-post-info__terms-list-item\">Stuttgart Mortgages<\/span>, <span class=\"elementor-post-info__terms-list-item\">Residential Homes<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d1d5f4 fb-full-link elementor-widget elementor-widget-heading\" data-id=\"4d1d5f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/finbird.de\/en\/blog\/schufa-score-und-einfluss-auf-den-hauskauf\/\">Schufa Score &amp; Financing: Influence on a Mortgage and the House Purchase<\/a><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33347da elementor-widget elementor-widget-button\" data-id=\"33347da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Weiterlesen<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\">\n\t\t\t\t<svg aria-hidden=\"true\" 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transparently.<\/p>","protected":false},"author":6,"featured_media":34457,"parent":1631,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-29087","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/pages\/29087","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/comments?post=29087"}],"version-history":[{"count":0,"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/pages\/29087\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/pages\/1631"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/media\/34457"}],"wp:attachment":[{"href":"https:\/\/finbird.de\/en\/wp-json\/wp\/v2\/media?parent=29087"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}