All cupboards have been ransacked, clothes and files are on the floor, there is no trace of laptops or jewelry – the mere idea of how burglars rage in their familiar home leaves many people with shivers. Especially in the dark season, many homeowners think about how they can better protect their home against intruders.
There are plenty of offers for devices that secure windows and doors, repel intruders or trigger alarms. They range from the surveillance camera on the front door to sensors on the windows and walled-in safes. The costs for this vary greatly: alarm systems for self-assembly are available from 100 euros, while technology from a specialist quickly costs four-digit amounts. Even homeowners with little money in their pockets don’t have to go for the cheapest. Because they can have part of the costs reimbursed by the state.
Those who want to upgrade their burglar protection can get financial support from the state development bank KfW. This contributes up to 1,600 euros towards the costs of measures that protect a property from burglars. It pays a grant of 20 percent for installation costs of up to 1,000 euros. The bank subsidizes measures that exceed this amount with ten percent. Everything that serves security in the home is eligible for funding: from the alarm and intercom system to the installation of burglar-proof doors and windows. It does not matter whether the property in question belongs to the applicant or not. However, before they can replace the door lock, for example, tenants need the permission of their landlord. You must also hire a specialist for all work. This may only start work after KfW has approved the grant.
The federal states and municipalities also grant funding
Owners and tenants can also apply for low-interest loans from KfW, which they can also use to finance burglary protection measures. The maximum loan amount is 50,000 euros per residential unit. Depending on the debtor’s creditworthiness, the bank grants the loan from 0.76 percent APR.
In addition to the federal government, some federal states and cities are also promoting the retrofitting of their own four walls. In North Rhine-Westphalia, funding is provided by the NRW Bank. Tenants and owners can take out a low-interest loan of between EUR 5,000 and a maximum of EUR 25,000 per residential unit via the state development bank. The loan is interest-free for the first ten years, after which the debtor pays interest of 0.5 percent for up to 15 additional years. The NRW-Bank also grants redemption discounts of up to 20 percent.
The city of Heidelberg supports its citizens with the support program “The Heidelberg Castle Prize”. Heidelberger receive a grant of 25 percent up to a maximum of 2500 euros if they install security technology such as alarm systems. Residents of the city of Friedrichshafen can also apply for a financial injection for burglary protection. In 2017 the city expanded its program “Climate protection through energy saving” to include a corresponding passage. Applicants must prove that they have obtained advice from the city’s criminal police advice center and that they have implemented at least one of the recommended measures.
Most funding agencies specify a de minimis limit below which they will not subsidize measures. At KfW, applicants must invest at least 500 euros. The upper limit is 15,000 euros. If you spend more money on burglary protection, you have to pay the difference out of your own pocket – but you can claim the additional expense for tax purposes: In the tax return, up to 6000 euros of installation and conversion costs can be deducted as a household-related service.
Do you already know ours Newsletter “The Week”? In your mailbox every Friday – if you want. Here you can sign up