Swabian-style courtyards in Hiltenfingen.

In Hiltenfingen, eight modern townhouses are being built, designed in a country house style and meeting the KfW-40-QNG energy efficiency standard. This residential concept is modern, well-thought-out, and perfectly integrated into the rural landscape. The goal is to create affordable, high-quality living spaces with a high quality of life. "Affordable" is a relative term when buying property, but considering the price per square meter, the subsidies, the tax benefits, and the favorable timing for a purchase in Hiltenfingen, this goal has been demonstrably achieved. The "Schwabenhöfe" complex comprises two buildings, each with four units. They are appealing due to their integrated garage with direct access to the living space, an open-plan living, dining, and cooking area facing the garden, an upper floor for cozy evenings, and an attic as a retreat. Large windows, including those in the attic, provide bright rooms, while a west-facing terrace and balcony offer plenty of evening sun. Units 1 and 5 are larger end-of-terrace townhouses with additional rooms; they have a separate garage on the property instead of an integrated one, and no balcony. Highest energy efficiency with the KfW-40-QNG standard:
The biggest advantage is the energy efficiency: The Schwabenhöfe are built to the KfW-40-QNG standard, which is currently the most demanding new construction standard. A KfW-40 house requires only about 40 percent of the energy of a comparable reference building, and the QNG certification further confirms high environmental standards. This means for the residents: permanently minimal heating and energy costs, high living comfort, and a stable, future-proof home. This is made possible by a central heat pump for all eight units, underfloor heating, and a large photovoltaic system with a storage unit. The homes will be delivered fully finished, with no hidden costs. Attractive funding options from KfW:
The KfW-40-QNG standard also unlocks attractive funding options. Two programs offer low-interest loans:
• "Climate-friendly new construction of residential buildings" (No. 297/298): up to €150,000 per unit for private individuals
• "Homeownership for families, new construction" (No. 300): up to €270,000 per unit for families
(As of May 2026) Combined with a bank loan, this results in affordable installment payments that are often comparable to the potential rental income. You can find financing examples in the brochure. Tax benefits through special depreciation:
Buyers also benefit from the tax depreciation options. In addition to the standard depreciation, a portion of the building's value can be claimed each year. Thanks to the high energy efficiency standard, an additional special depreciation of 5 percent is available. This significantly reduces the tax burden in the first few years and improves profitability. You can also find example calculations in the brochure. You will find all the details in the comprehensive brochure, which you can download directly from our website:
www.middendorf-home.d­e/schwabenhoefe/