Financing a Carport with Tool Shed: Your Guide for 2025
30 Jun 2025
Katrin Straub
Managing Director at nextsure
A carport with a tool shed protects your car and creates valuable storage space. However, the costs can quickly exceed 10,000 euros. Discover how to find the right financing for your construction project and benefit from government regulations.
The topic in brief and concise terms
The total cost for a carport with a tool shed is usually between €3,000 and €15,000, depending on the material and personal contribution.
A modernisation loan is often available at a more favourable interest rate for property owners than a flexible instalment loan.
The requirement for a building permit depends on your federal state; an inquiry with the building authority is always necessary.
Die Entscheidung für einen Carport mit integriertem Geräteschuppen ist eine Investition in Komfort und den Werterhalt Ihrer Immobilie. Die Kosten für ein solches Projekt variieren je nach Material und Größe zwischen 3.000 und über 15.000 Euro. Eine durchdachte Finanzierung ist daher entscheidend. Dieser Artikel führt Sie durch die verschiedenen Optionen, von flexiblen Ratenkrediten bis zu wohnwirtschaftlichen Darlehen, und beleuchtet wichtige rechtliche Aspekte wie die Baugenehmigung. So treffen Sie eine fundierte Entscheidung, die sich langfristig auszahlt.
Cost analysis: The real expenses for your construction project
The total costs for a carport with a storage shed consist of various items. Basic kits made of wood start at around 2,500 euros. For more durable models made of aluminium, you should expect to pay at least 4,000 euros. Additional costs for the foundation, depending on size and ground conditions, range from 500 to 1,500 euros. Many underestimate the extra expenses for professional assembly, which often account for 20 to 30 percent of the kit costs. A double carport made of wood with a 10 square meter shed can quickly reach 12,000 euros including all ancillary costs. Careful planning of these expenses is the first step towards solid financing of your carport. The choice of the right financing method strongly depends on this calculation.
Comparison of Financing Methods: Instalment Loan, Modernisation Loan and Building Savings
There are primarily three ways to finance your carport. A classic instalment loan provides maximum flexibility, as it is not tied to a specific purpose and covers amounts up to 75,000 euros. A modernisation loan is often more favourable in terms of interest, but generally requires property ownership and is purpose-specific. The interest difference can be up to two percentage points. A third option is an existing building savings contract, which offers low loan interest rates once allocated. Here is an overview of the most common options:
Instalment loan: Ideal for tenants or for amounts under 10,000 euros, as the process is straightforward.
Modernisation loan: The best choice for property owners, often with interest benefits of one percent or more compared to instalment loans.
Housing loan without land register entry: Many banks offer loans up to 50,000 euros without the costly land register entry.
Building savings loan: Sensible for a long lead time, as the savings phase can take several years.
Our expert tip: Compare the effective interest rates of at least three different providers to save several hundred euros. A loan with free use gives you the necessary freedom for unforeseen costs. Next, we will check whether government grants can reduce your costs.
Check government grants: subsidies for e-mobility and sustainability
State subsidies can significantly reduce the costs of your project. Particularly relevant was the KfW programme "Solar Power for Electric Cars (442)". This programme offered grants of up to €10,200 for the combination of a photovoltaic system, a battery storage unit, and a wallbox. A south-facing carport was often the ideal structural condition for this. However, the funds for this programme were exhausted within a few hours in the past and are currently suspended for 2024 and 2025. It is advisable to regularly check the KfW website for any possible reintroduction. Regardless of federal programmes, some municipalities and states offer their own subsidies for the installation of wallboxes or green roofs on carports, which often range from €200 to €500. It may be worthwhile to enquire at your local council. A modernisation loan for energy-efficient refurbishment can be an alternative if you are planning further renovations. However, the legal framework must be clarified before construction begins.
Navigating Legal Hurdles: Understanding Building Permits and Neighbour Rights
The need for a building permit is the most common legal hurdle when constructing a carport. The regulations vary significantly between the 16 federal states. In Bavaria, covered parking spaces up to an area of 50 square metres are often exempt from permits. In North Rhine-Westphalia, this limit is only 30 cubic metres of enclosed space. Therefore, it is essential to inquire with the relevant building authority before purchasing or construction, as this can save you fines of up to 50,000 euros. Also, bear in mind the regulations regarding boundary constructions. Generally, carports can be erected directly on the property boundary if they do not exceed certain dimensions (e.g., a maximum length of nine metres on one boundary). Our expert tip: Obtain your neighbour's written consent, even if it's not legally required. This can prevent future conflicts. A look at your municipality's development plan provides insight into further local requirements. With solid planning for home and living, you can protect yourself. Once the carport is in place, the question of proper protection arises.
Your path to a new carport: A step-by-step guide
From the initial idea to the finished carport, it's just a few well-planned steps. A systematic approach helps save time and money. The entire process typically takes between four and twelve weeks from planning to completion. Start with a detailed cost estimate that includes at least a 15 percent buffer for unexpected expenses. Obtain at least three comparative quotes for materials and tradespeople. Use an online calculator for construction financing to compare initial terms. Remember that even a smaller project like a carport can increase your property's value by up to five percent. With the right preparation, your construction project will be a complete success. Request an individual risk analysis now: Have your insurance situation reviewed for free and receive specific optimization suggestions.
More useful links
Wikipedia provides a comprehensive article about carports, covering definitions, construction methods and possible uses.
The Deutsche Bundesbank offers financial stability reports that provide insights into the stability of the financial system.
The Federal Ministry of Finance provides information on household-related services and their tax deductibility.
The ifo Institute offers current data and analyses on the construction economy in Germany.
On gesetze-im-internet.de, the Building Code (BauGB) can be accessed online, which contains important legal foundations for construction projects.
FAQ
Kann ich für einen Carport staatliche Förderungen bekommen?
Direkte Förderungen nur für einen Carport sind selten. Eine Förderung ist jedoch möglich, wenn der Bau Teil einer größeren Maßnahme ist, wie der Installation einer Wallbox mit Photovoltaikanlage (z.B. über das derzeit pausierte KfW-Programm 442). Prüfen Sie auch lokale Förderprogramme Ihrer Gemeinde.
Wie lange dauert die Finanzierung und der Bau eines Carports?
Die Kreditzusage für einen Raten- oder Modernisierungskredit erfolgt oft innerhalb weniger Tage. Die gesamte Projektdauer von der Planung über die eventuelle Genehmigung bis zur Fertigstellung des Baus beträgt typischerweise vier bis zwölf Wochen.
Was passiert, wenn ich ohne Baugenehmigung baue?
Wenn Sie einen genehmigungspflichtigen Carport ohne Genehmigung errichten, kann die Baubehörde ein Bußgeld verhängen und den Abriss der Anlage anordnen. Die Bußgelder können je nach Bundesland mehrere zehntausend Euro betragen.
Erhöht ein Carport den Wert meiner Immobilie?
Ja, ein hochwertiger Carport mit Geräteschuppen kann den Wert einer Immobilie steigern. Er wird als nützliche Erweiterung und Schutz für Fahrzeuge angesehen, was für potenzielle Käufer ein attraktives Merkmal ist und den Verkaufswert um bis zu fünf Prozent erhöhen kann.
