WIBank Hesse — housing funding
Hessian housing-funding programme, modernisation loan, home-ownership funding — combinable with KfW and listed-building depreciation. For investors in Frankfurt, Wiesbaden and Rhine-Main.
WIBank programmes at a glance
WIBank Hessian housing funding programme
Core programme for rental construction in Hesse. Low-interest loans for controlled rents — relevant for Frankfurt, Wiesbaden and the Rhine-Main area.
WIBank modernisation funding
Energy modernisation of rental flats — combinable with KfW 261. Especially relevant for Wiesbaden’s period stock and Frankfurt’s old buildings.
WIBank home-ownership funding
Home-ownership funding for families in Hesse — income-dependent. Often very welcome in the expensive Rhine-Main area.
Hesse specifics for investors
Transfer tax 6.0% — upper mid-range. On a €400,000 purchase price: €24,000 transfer tax. Total ancillary costs approx. 9–11%.
Wiesbaden: period and Art-Nouveau buildings — typically a 68% refurbishment share for listed properties. Wiesbaden’s Westend is a hotspot for listed-building investment. Stable rental demand from public authorities and insurers.
Frankfurt: the highest purchase prices in Hesse, a strongly international rental market driven by the banking sector. QNG new-build projects in Westhafen, Niederrad and Sachsenhausen are attractive too.
Frankfurt area: Bad Homburg, Oberursel, Königstein — high purchasing power, low vacancies. WIBank programmes are available here as well.
Application process WIBank Hesse
- Funding check: align WIBank + KfW + bank loan + listed-building depreciation
- Application through the financing house bank
- Note the rent commitment for WIBank housing funding
- Apply before the purchase contract or the start of refurbishment
Frequently asked questions
What does the WIBank fund in Hesse?
Are Wiesbaden listed buildings a good investment?
How high is the transfer tax in Hesse?
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 stateIBB Investment Bank Berlin — housing funding
State funding.
View page → Federal stateNorthern Germany funding: IFB Hamburg · NBank · ILB Brandenburg
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.