State subsidies

State subsidies — the low-interest programme of your federal state.

Each federal state has its own development bank with programmes for home ownership and refurbishment. These funds can often be combined with the bank loan and with KfW — the order of application matters. Pick your state.

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By federal state

State subsidies, KfW and the bank loan interlock — but only if the applications are filed in the right order. We coordinate the parts and broker the bank side under §34i GewO.

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Baden-Württemberg

L-Bank housing funding — Stuttgart, Freiburg, Karlsruhe and around.

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Bavaria

LfA development bank Bavaria — Munich, Nuremberg, Augsburg.

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Berlin

IBB Investment Bank Berlin — housing funding in the capital.

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North Rhine-Westphalia

NRW.BANK — Cologne, Düsseldorf and the Ruhr area.

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Hesse

WIBank Hesse — Frankfurt, Wiesbaden, Darmstadt.

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Hamburg · Lower Saxony · Brandenburg

IFB Hamburg, NBank and ILB Brandenburg at a glance.

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Rhineland-Palatinate · Saarland

ISB Rhineland-Palatinate and SIKB Saarland.

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Saxony · Thuringia · Saxony-Anhalt

SAB, TAB and IB Saxony-Anhalt — Leipzig, Dresden, Halle, Erfurt.

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Frequently asked questions

Can I combine state subsidies and KfW?

In many cases yes. The programmes do not generally exclude each other, but the order of application is decisive — the application must be in place before the purchase contract.

Do you apply for the subsidy for me?

We coordinate the parts and broker the bank financing under §34i. You file the subsidy application yourself or through the financing bank; we tell you when and in which order.

Is the effort worth it?

State loans are often clearly cheaper than the market rate and can save several thousand euros over the term. We check whether it fits your case free of charge.

Let’s talk about your financing

Message me on WhatsApp or book a 30-minute call. The first check is free of charge.