Owner-occupied housing; application for funding

Purpose

The subsidy is intended to help people looking for housing to become homeowners by building or purchasing a house or condominium for their own residential purposes (= owner-occupation, Art. 3 Para. 1 Sentence 4 of the Bavarian Housing Subsidy Act, BayWoFG).

Object

The state promotes the creation or acquisition of owner-occupied housing as part of the Bavarian interest subsidy program for the promotion of owner-occupied housing.

Beneficiary

Beneficiaries are private individuals.

Eligible costs

In the case of residential construction, the total costs as defined in §§ 5 to 8 of the Ordinance on Housing Calculations under the Second Housing Act (Second Calculation Ordinance - II. BV) (= land, construction and ancillary construction costs) are eligible.

In the case of the purchase of residential property, the purchase price and the purchase costs are eligible; in the case of a second purchase (= used residential property), the costs of necessary modernization and repair measures are also eligible.

Type and height

The funding is granted as a subsidy. The funding is granted as a credit/loan.

The type of grant is a project grant.

In the interest subsidy program, funding is provided in the form of a subsidized loan of up to one third of the total costs. In addition, a child allowance of EUR 5,000 per child can be granted in conjunction with the loan.

Please give priority to using the online service offered.

You will find the following additional documents under Forms:

• Promotion of home ownership.
• Information sheet on the collection of personal data in accordance with Art. 12, 13 and 14 GDPR in the area of housing promotion.
• Voluntary housing advice from the district - flyer.

• Only households whose income does not exceed the income limits specified in Art. 11 Para. 1 BayWoFG can benefit from the subsidy.
• Funding is provided with an interest reduction of up to 1/3 of the total costs and a child subsidy of EUR 5,000 per child in conjunction with the loan.
• The construction project may not be started before the funding has been approved.
• There is no legal entitlement to funding.

Exclusion criteria:

Owner-occupied housing may only be subsidized for applicants who are not only staying temporarily in Germany and who are legally and actually in a position to establish a long-term residence for their household as the center of their living arrangements and to run an independent household.

Funding for the purchase of owner-occupied housing is excluded if the seller and buyer are related in a direct line.

There are no fixed deadlines for this funding.

• Application for the Bavarian interest subsidy program for the promotion of owner-occupied housing: Stabau Ia
• Declaration of income of the applicant: Stabau III a
• Income declaration for other household members: Stabau III b

• Application "Owner-occupied and rented accommodation in a two-family house" - Stabau Ia
• Voluntary housing advice from the district - flyer
• Declaration of income of the applicant (Stabau III a)
• Income declaration for other household members (Stabau III b)
• Explanations for completing the "Owner-occupied and rented accommodation in a two-family house" application - Stabau Ia
• Notes on the declaration of income of the applicant and other members of the household
• Promotion of home ownership
• Information sheet on the collection of personal data in accordance with Art. 12, 13 and 14 GDPR in the area of housing promotion
• Proof of "Income and expenditure overview for subsidized residential buildings" - Stabau IV
• Installment call-off - Bavarian housing construction program or interest rate reduction program, new construction and first-time purchase - RA 1
• Installment call-off - Bavarian housing construction program or interest subsidy program, second purchase - RA 2
• Call for installments - Bavarian housing construction program, building modification and building extension - RA 3

There are no costs.

• Bavarian interest rate reduction program for the promotion of owner-occupied housing
• Bavarian Housing Promotion Act (Bayerisches Wohnraumförderungsgesetz - BayWoFG)
• Housing promotion regulations 2023 (WFB 2023)

• Promotion of home ownership

The procedure is a two-stage process:

1. The application must be submitted to the Bayerische Landesbodenkreditanstalt using the forms and documents provided for this purpose. Approval is granted by the district administrative authority.
2. The loan commitment and notification of approval is made by the Bayerische Landesbodenkreditanstalt. Payment is made according to the progress of construction and must be applied for at the district administrative authority. The district administration offices or independent cities are responsible for providing advice.

• Rental apartments for people with disabilities; application for funding for adaptation
• Owner-occupied housing for people with disabilities; application for funding for adaptation