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Source: Zuständigkeitsfinder Schleswig-Holstein (Linie6PLus)
You can apply for a low-interest promotional loan from KfW Bankengruppe regardless of your age and income. Funding is available for modernisation measures to make your home suitable for the elderly or disabled, as well as for burglary protection measures.
Eligible applicants are
- All sponsors of investment measures in owner-occupied or rented residential buildings and owner-occupied flats (www.kfw.de/159 ).
- First-time buyers of newly barrier-reduced residential buildings or owner-occupied flats.
A complete list of eligible measures can be found on the KfW website. Promotional loans are granted up to an amount of EUR 50,000 per housing unit.
The interest rate depends on the term of the loan and the agreed fixed interest rate and is between 0.75 and 1.06 percent effective annual interest.
KfW grants low-interest loans under this programme only through the intermediation of banks, savings banks and other financing institutions.
Make an appointment with your financing partner (e.g. your bank or savings bank) before starting the modernisation measures, the burglary protection measures or the purchase of the modernised property. They will apply for the promotional loan from KfW on your behalf. (See procedure)
The application must be submitted before the project begins. The start of a project is deemed to be the start of construction work on site. Planning and consulting services as well as the conclusion of supply and service contracts are not yet considered the start of the project. In the case of an application for funding for the initial purchase of suitably converted residential property, the conclusion of the purchase contract is deemed to be the start of the project.
Your financing institution will require standard bank collateral for the loan. You must also provide proof to your financing institution that the funds are being used for the intended purpose.
What are the fees?
The interest rate of the loan depends on its term and on the agreed fixed interest rate and is between 0.75 and 1.06 percent effective annual interest rate.
Applications / forms
Make an appointment with your financing partner (e.g. bank or savings bank) before starting the modernisation measures, the burglary protection measures or the purchase of the modernised property. They will apply for the promotional loan from KfW on your behalf.
What else should I know?
Instead of a low-interest promotional loan, owner-occupiers in particular can apply directly to KfW for an investment grant for age-appropriate conversion. More information is available at www.kfw.de/455-B .
Technically approved by
Federal Ministry of the Interior