SAB · IB Saxony-Anhalt · TAB
Three state development banks for central Germany — Saxony, Saxony-Anhalt, Thuringia. For Leipzig, Dresden, Halle, Magdeburg, Erfurt and Jena. Combinable with KfW and listed-building depreciation.
Three development banks for central Germany
SAB Saxon Development Bank
Housing funding Saxony, modernisation, rental new-build. Especially relevant for Leipzig and Dresden with their large listed stock.
IB Saxony-Anhalt
Investment Bank of Saxony-Anhalt: housing funding, modernisation. Halle and Magdeburg offer low purchase prices with an attractive assessment base.
TAB Thuringian Development Bank
Housing funding Thuringia, modernisation. Erfurt, Jena, Weimar — university cities with stable rental demand and listed stock.
Central Germany specifics
Transfer tax: Saxony 5.5%, Saxony-Anhalt 5.0%, Thuringia 6.5%. For investors, Saxony-Anhalt is particularly attractive with the lowest ancillary costs.
Leipzig: the largest listed-building market in Germany. Period stock with refurbishment shares of 60–80%, combinable with the SAB Saxon Development Bank and KfW 261. Stable rental demand from the university, colleges and culture.
Dresden: premium locations such as Blasewitz, Striesen, Loschwitz with high-quality period buildings. QNG new-build projects in Friedrichstadt and Pieschen too.
Halle: low purchase prices (often €1,500–2,500/m²), an attractive assessment base for listed-building depreciation at moderate risk. Stable university demand.
Erfurt, Jena: both university cities. Jena as a tech hub with above-average rental purchasing power. Erfurt with a particularly dense listed stock.
Combination options
- Leipzig listed: listed-building depreciation §7i + SAB modernisation + KfW 261 — up to three funding components combinable
- Halle/Magdeburg listed: low purchase prices + listed-building depreciation + IB Saxony-Anhalt — an attractive return on equity
- Erfurt listed: listed-building depreciation + TAB + KfW 261 — works well in student cities too
- Dresden QNG new build: KfW 297/298 + new-build special depreciation §7b — a modern investment in a stable region
Frequently asked questions
Why is Leipzig so attractive for listed-building depreciation?
Can I combine SAB, IB Saxony-Anhalt or TAB with KfW?
Are existing properties in Halle a good investment?
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 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 →Check the funding for your project
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