IBB Investment Bank Berlin — housing funding
IBB housing funding, modernisation, rental new-build — combinable with KfW and listed-building depreciation. For investors in Berlin and the Berlin area.
IBB programmes at a glance
IBB housing funding
Core programme for rental construction in Berlin. Low-interest loans for controlled rents. The Berlin rental market has high demand for funded housing.
IBB modernisation programme
Energy and structural modernisation of existing properties — combinable with KfW 261. Relevant for Berlin’s large period stock.
IBB rental new-build
Special programme for new rental construction. Combinable with KfW 297/298 for QNG new builds in Berlin and the surrounding area.
Berlin specifics for investors
Transfer tax 6.0% — the same as Hesse, upper mid-range. On €400,000: €24,000 transfer tax. Total ancillary costs approx. 9–11%.
Rent cap and rent index: Berlin has a particularly regulated rental market. For investments, the rent brake, modernisation-levy rules and rent index must be taken into account. The IBB programmes work with these rules.
Listed stock: Prenzlauer Berg, Charlottenburg, Schöneberg, Friedrichshain — period buildings with refurbishment shares of 50–80%. Combinable with the IBB modernisation programme and KfW 261.
New builds in the Berlin area: Brandenburg / the Berlin fringe (Potsdam, Falkensee, Bernau) also offers QNG new-build projects. The IBB + KfW 297/298 combination is of interest to investors.
Application process IBB Berlin
- Funding check: align the IBB programme + KfW + bank loan
- Application through the financing house bank
- Document rent and occupancy commitments — note the Berlin specifics
- Apply before the purchase contract or the start of refurbishment
Frequently asked questions
What does the IBB Berlin fund?
What about the Berlin rent brake?
Are listed properties in Prenzlauer Berg worthwhile?
Funding in other federal states
L-Bank Baden-Württemberg — housing funding
State funding.
View page → Federal stateLfA Bavaria — housing funding with tax advantage
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.