L-Bank Baden-Württemberg — housing funding BW
L-Bank housing funding BW, rental construction and modernisation loans — combinable with KfW 261 and listed-building depreciation. For investors in Stuttgart, Freiburg and the Rhine-Neckar area.
L-Bank programmes at a glance
L-Bank housing funding BW
Funding for the construction and acquisition of rental flats at controlled rents. Low-interest loans with long terms — attractive for new rental construction in Stuttgart, Freiburg and Mannheim.
L-Bank modernisation loan
Low-interest loans for energy and structural modernisation of rental flats. Combinable with KfW 261 — relevant for stock in energy class G/H in Heidelberg, Freiburg and the Black Forest.
L-Bank home-ownership funding
Home-ownership funding for families with children in Baden-Württemberg — income-dependent. Of interest to families in Stuttgart and the surrounding area.
Baden-Württemberg specifics for investors
Transfer tax 5.0% — favourable for the south. BW charges 5.0% — together with notary (approx. 1.5%) and any agent fee, ancillary costs of approx. 8–10% arise. Favourable compared with NRW (6.5%) or Thuringia (6.5%).
Stuttgart: high purchase prices, a strong rental market. Stuttgart is among the most expensive German property markets. In return, the rental market is stable and the vacancy rate low. For investors, the combination of L-Bank housing funding + listed-building depreciation in Stuttgart’s period quarters (Bad Cannstatt, Heslach) is attractive.
Freiburg: a university city with stable demand. Freiburg offers attractive period stock. Listed properties in the city core and in Wiehre have refurbishment shares of 40–70% — combinable with the L-Bank modernisation loan and KfW 261.
Application process L-Bank Baden-Württemberg
L-Bank loans are applied for through the financing house bank — always before the purchase contract or the start of the measure:
- Funding check: align the L-Bank programme + KfW + bank loan
- Application through the financing house bank — not directly with the L-Bank
- Check rent and occupancy commitments for funded rental flats
- Listed-building depreciation: structure the purchase-price / refurbishment split correctly
Frequently asked questions
What does the L-Bank fund in Baden-Württemberg?
Can I combine L-Bank and KfW?
How high is the transfer tax in BW?
Are listed properties in Freiburg worthwhile?
Funding in other federal states
LfA Bavaria — housing funding with tax advantage
State funding.
View page → Federal stateIBB Investment Bank Berlin — housing funding
State funding.
View page → Federal stateNorthern Germany funding: IFB Hamburg · NBank · ILB Brandenburg
State funding.
View page → Federal stateWIBank Hesse — housing funding
State funding.
View page → Federal stateNRW.BANK — housing funding NRW
State funding.
View page → Federal stateRLP & Saarland funding: ISB Rhineland-Palatinate · SIKB Saarland
State funding.
View page → Federal stateSAB · IB Saxony-Anhalt · TAB
State funding.
View page →Check the funding for your project
I check state funding, the KfW combination and the right bank for your property — free, non-binding, in German and Russian.