The Kreditanstalt für Wiederaufbau (KfW) offers private persons, landlords to finance part of their financing with promotional loans and grants. A combination of state subsidies and your real estate financing can mean better conditions and savings for you.
If you build a new house or buy or renovate a house or apartment, you can get low-interest KfW loans. Further funding programs support the conversion to renewable energies, the installation of photovoltaic systems or the conversion to barrier-free, age-appropriate living space. It is important that the KfW funding is applied for before the start of construction or renovation or before the purchase. You submit the KfW application to the same financial institution where you want to carry out the financing.
We advise and support you in finding and applying for the appropriate funding.
Promotion of home ownership by the states and municipalities
Development banks in the German federal states also grant cheap loans and grants for building or buying your own home. Each federal state has its own funding conditions. You can find information on your Landesbank website. The application for funding itself is usually submitted to the Landratsamt (district office) or, in the case of urban districts, to the responsible department. You can get a good overview on the page „Aktion pro Eigenheim“ (Promotion per home) (https://www.aktion-pro-eigenheim.de/haus/foerderung/bundeslaender/)
Numerous municipalities support the purchase of residential property through grants, benefits, or loans to support the move to their region. It can be worthwhile to ask your local authority about funding opportunities.