Three separate stock strands sit inside the same Verwaltungsvorschrift. Which one a cohousing group can use depends on who owns the building and whether it accepts a social binding. Applications for the modernisation strands go directly to the L-Bank, not through the Wohnraumförderungsstelle.
- Abschnitt IV — sozial orientierte Modernisierung, no new binding. Only for rental objects that already were (or are) state-funded. Loan up to €120,000/unit for a whole-building measure, €50,000/unit for single measures or altersgerechter Umbau, at 1.00% p.a. for 10 years, 24 months tilgungsfrei, 3% Tilgung, plus a 3% Tilgungszuschuss for a whole measure, for a Sanierungsfahrplan, and again for full DIN 18040-2 accessibility. The flat must stay rented for the subsidy period, and the § 559 BGB modernisation rent rise must be reduced by the annual interest saving (§ 559a BGB). L-Bank may waive Eigenleistung.
- Abschnitt V — soziale Modernisierung with a new binding. A pure grant per m² Wohnfläche scaled by binding length. Whole measures to “Sanierung Plus”: €480 (10 yr) / €610 (15) / €1,000 (25) / €1,200 (30) / €1,600 (40) per m². Single measures on BEG-EM terms or altersgerechter Umbau: €410 / €530 / €930 / €1,100 / €1,460 per m². Amounts scale with the rent cut (reference 33%, range 20–40%). Already-let flats qualify only if the sitting household could get a Wohnberechtigungsschein. This is the strand for a co-op or Verein that buys an old Mehrfamilienhaus and is willing to bind it — the largest single lever in the BW stock.
- Abschnitt VIII — WEG-Modernisierungsdarlehen, no binding. The applicant is the Wohnungseigentümergemeinschaft, represented by its Verwalter (Vordruck 9026), and the money comes as a Verbandskredit to the community rather than to individual owners: up to €120,000/unit (whole measure) or €50,000/unit (single measure or accessibility) at 1.00% p.a. for 10 years, repaid within 10 years, with the same 3% Tilgungszuschüsse. Renewable-energy measures are passed through as KfW money on KfW terms. This is the one BW line that speaks directly to a Baugruppe that has become a WEG.
- State guarantee (Abschnitt IX): the ministry guarantees the WEG Verbandskredite to the L-Bank, which is why a Wohnungseigentümergemeinschaft with no property of its own can borrow as a body at all.
- Common gates: energy standards per Anlage 2, confirmed by an Energieeffizienz-Experte; DAWI over-compensation checks apply to the rental strands; decisions by the end of the following calendar year.
Note the boundary: Abschnitt IV is closed to a building that never had state money, so a group buying an ordinary old house chooses between Abschnitt V (grant, accept a binding) and federal refurbishment money (kfw-261, bafa-beg-em).
Related
- baden-wuerttemberg-wohnungsbau-bw-mietwohnraum — the new-build sibling and the source of the shared rules
- weg-baugruppe — the applicant form for Abschnitt VIII
- eg-cooperative — typical owner under Abschnitt V
- syndikat-haus-gmbh — GmbH owner of a bought Bestand house
- belegungsbindung — the binding Abschnitt V buys with the grant
- kfw-261 — federal efficiency-house refurbishment loan
- bafa-beg-em — federal single-measure grant
- bayern-modernisierungsprogramm — Bavaria’s counterpart, loan-plus-grant instead of per-m² grant