KfW 270 Interest Rates 2026
Affordable Photovoltaic Financing
Up to 50 Million Euros per Project | 100% Financing Possible | Repayment-Free Start Period | Free Special Repayments
What is the KfW 270 Program?
Renewable Energies - Standard
The KfW 270 - Renewable Energies Standard is an affordable promotional loan from KfW Banking Group for investments in the generation of electricity and heat from renewable sources. The program is aimed at private individuals, companies, and public institutions.
Eligible Measures:
- Photovoltaic systems (roof and ground-mounted)
- Battery storage (including retrofitting)
- Solar thermal systems
- Biogas and wind power plants
- Hydro and geothermal power
Application Process:
- Through your local bank
- Apply BEFORE project start
- For private individuals and companies
- Fast processing possible
Max. Loan Amount
Financing
Max. Term
Repayment-Free
Current KfW 270 Interest Rates - January/February 2026
Interest Rates by Term and Price Class
| Term | Price Class A | Price Class B | Price Class C |
|---|---|---|---|
| 5 Years | 4.00% eff. | 4.45% eff. | 4.90% eff. |
| 10 Years | 4.20% eff. | 4.65% eff. | 5.10% eff. |
| 15 Years | 4.35% eff. | 4.80% eff. | 5.25% eff. |
| 20 Years | 4.50% eff. | 4.95% eff. | 5.50% eff. |
As of: February 2026. Price classes are based on creditworthiness and financial circumstances. Fixed interest period: 10 years. Contact your local bank for exact conditions.
Interest Rate Trends 2026
- ECB rate cuts since mid-2024 having positive effect
- Rates expected to remain stable
- KfW rates often 0.5-1% below market rates
- Early application recommended
Key Terms
- 100% financing without equity possible
- 1-3 years repayment-free start period
- Free special repayments at any time
- Commitment fee: 0.15%/month from 2nd month
Eligible Measures in Detail
- Roof systems of all sizes
- Ground-mounted systems
- Agri-PV systems
- Facade PV
- Inverters
- Mounting systems
- Home storage systems
- Commercial storage
- Retrofitting to PV
- Control technology
- Backup power function
- Installation
- Flat plate collectors
- Vacuum tube collectors
- Heating support
- Hot water preparation
- Process heat
- Buffer storage
Additionally Eligible:
- Planning and project development costs
- Expert assessment costs
- Grid connection costs
- Meters and measurement technology
- Cabling and electrical work
- Roof renovation (if required for PV)
Application Process Step by Step
Obtain quotes for solar system
- Get at least 3 quotes from specialist companies
- Check installer qualifications
- Use our free comparison tool below
Request financing from your local bank
- KfW 270 is only applied for through your local bank
- Schedule a consultation appointment
- Bring quotes and income documentation
Submit loan application (BEFORE project start!)
- Application must be submitted before signing the contract
- Bank forwards application to KfW
- Subsequent applications will be rejected
Wait for loan approval
- Processing time: approx. 2-4 weeks
- Faster with complete documentation
- Approval is the "green light"
Place order and installation
- Only sign contract after loan approval
- Installation by specialist company
- Disbursement upon invoicing
Important Notice
The KfW 270 loan must be applied for BEFORE the project begins. The start of the project is already considered to be signing the contract with the installer, not the actual construction start. Plan sufficient time for your application.
Combining with Other Subsidies
KfW 270 + Regional Funding
- KfW 270 for base financing
- Municipal grants for storage
- Check state funding programs
- GHG quota for EV wallbox
Total funding must not exceed investment costs
KfW 270 + KfW 442
- KfW 442: Solar power for electric vehicles
- Grant for PV + storage + wallbox
- Combinable with KfW 270 loan
- Ideal for e-mobility households
Requirement: Electric vehicle owned or ordered
Tax Benefits to Consider
For Private Individuals (Own Use):
- 0% VAT on PV systems up to 30 kWp
- No income tax on self-consumption
For Businesses:
- Input tax deduction for commercial use
- Depreciation over 20 years
- Investment allowance possible
KfW 270 vs. Other Financing Options
| Criteria | KfW 270 | Personal Loan | Mortgage |
|---|---|---|---|
| Effective Interest Rate | 4.0-5.5% | 5-9% | 3.5-4.5% |
| Max. Term | 20 Years | 7-10 Years | 30 Years |
| Repayment-Free Period | 1-3 Years | No | Possible |
| Land Registry Entry | No | No | Yes |
| Special Repayment | Free | Partial | Limited |
| 100% Financing | Yes | Yes | Rarely |
Our Recommendation
For photovoltaic financing up to 50,000 euros, KfW 270 is usually the best choice: Affordable rates, long terms, repayment-free start period, and free special repayments. For very small amounts under 10,000 euros, a regular personal loan may be simpler.
Sample Calculation: 10 kWp PV System with KfW 270
Investment Costs
10 kWp system with 10 kWh storage
KfW 270 Terms
- Loan amount: 22,000 Euros (100% financing)
- Term: 15 years
- Interest rate: 4.35% eff. p.a. (Price Class A)
- Repayment-free: 2 years
Monthly Payments
- Years 1-2: approx. 80 Euros/month (interest only)
- Years 3-15: approx. 175 Euros/month (principal + interest)
Your Savings from the PV System
- Electricity cost savings: approx. 120 Euros/month
- Feed-in tariff: approx. 30 Euros/month
- Total: approx. 150 Euros/month
Conclusion
In the first 2 years, you pay only 80 Euros/month while saving approx. 150 Euros/month. This gives you a positive cash flow of about 70 Euros/month from day 1. From year 3, the payment rises to 175 Euros, but savings remain - you finance the system almost entirely from savings.
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Frequently Asked Questions About KfW 270 Loans
The effective annual interest rates for KfW 270 currently range between 4.00% and 5.50% depending on creditworthiness, term, and price class. Rates are regularly adjusted based on current capital market conditions.
The KfW 270 program finances photovoltaic systems, battery storage (including retrofitting), solar thermal systems, biogas and wind power plants, and hydropower. Planning and installation costs are also eligible.
Yes, the KfW 270 loan can be combined with other funding programs, such as regional grants or KfW 442 for solar power + storage + wallbox combinations. The total funding must not exceed investment costs.
Eligible applicants include private individuals, freelancers, companies of all sizes, non-profit organizations, and public institutions. Requirements are sufficient creditworthiness and the investment must be made in Germany.
The application must be submitted BEFORE the project begins. The start of the project is already considered to be the signing of the contract with the installer. Subsequent applications will be rejected.
KfW 270 offers terms of 5, 10, 15, or a maximum of 20 years. The interest rate is fixed for 10 years. Special repayments are possible at any time free of charge.
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