The owner-occupier strand of Wohnungsbau BW 2022 (VwV Abschnitt VII), delivered by the L-Bank as the Z15-Darlehen (Z20 for an Energiesparhaus). Household-level only — a Baugemeinschaft member financing their own unit can use it, the GbR or eG cannot. Since 2026 the application runs through the L-Bank’s Z15 online portal, checked by the local Wohnraumförderungsstelle.
- Who: couples, registered partners, durable Lebensgemeinschaften and single parents with at least one child in the household, or severely disabled people with special housing needs. No child, no basic loan — childless couples and singles under 46 only reach the (unsubsidised) Familienzuwachsdarlehen.
- Loan size (Stand 16.01.2026, dynamised yearly with the Baupreisindex): Sockelbetrag €239,500; €292,000 with 1 child, €344,500 (2), €384,000 (3), €412,500 (4), €431,000 (5), +€17,000 per further child; +€50,000 for an Energiesparhaus.
- Terms: rate cut to 1.00% p.a. for 15 years (Z15) or 20 years (Z20, Energiesparhaus); 100% payout; 24 months tilgungsfrei; Tilgung 2.25% p.a., raisable once to max 5% after year 3. Effective rate 1.93% (Z15) / 1.54% (Z20) at 04.09.2026.
- Grants on top: Kompensationsförderung €20,000/unit at EH 55 or better, €4,000/unit at EH 40, up to +€60,000 loan for full barrier-freedom, +25% for an innovatives Bauvorhaben, €1,500 for flexible layouts, €5,000 per extra unit created. An Erbbauzins up to 3.00% p.a. of the land value can be subsidised as a grant instead of land purchase.
- Equity gates: Eigenleistung 25% of total costs, or 15% if the L-Bank loan ranks first; of that at least 8.5% must be real Eigenkapital, and up to 6.5% may be covered by a Zuschuss that partly replaces the loan (min €1,000; usually ≥€100,000 loan must remain). Third-party loans count as equity only under 30-year, interest-free, subordinated terms.
- Income limit (Erlass 01.12.2025): Bezugsgröße €71,000 with no deduction in this section — €71,000 for 1–2 persons, +€9,500 per person from the third (€90,000 for four). Applicants who already own adequate housing are excluded.
- Binding: self-use for the whole Zinsverbilligung period (15 or 20 years); letting it out converts the binding into a Miet- und Belegungsbindung rather than ending it. Altersgerechter Umbau (Nr. 2.5) binds for the duration of self-use, max 5 years.
- Apply before start; combinable with federal KfW ownership money (kfw-124, kfw-300) within the rule that public funds may not exceed total eligible costs.
For a group project the practical route is: the GbR builds, the units are split into Wohnungseigentum, and each qualifying household applies for its own Z15 — the same pattern as in Bavaria. A member joining a co-op instead finances shares through baden-wuerttemberg-g15-genossenschaftsanteile.
Related
- baden-wuerttemberg-g15-genossenschaftsanteile — share purchase instead of a unit, same office, same income test
- baden-wuerttemberg-wohnungsbau-bw-mietwohnraum — the entity-level rental sibling
- weg-baugruppe — the ownership form this presupposes for a Baugruppe member
- gbr-baugemeinschaft — the group phase before individual Z15 applications
- kfw-300 — federal Wohneigentum für Familien, stacked on top
- kfw-124 — federal Wohneigentumsprogramm
- bayern-zinsverbilligungsprogramm — Bavaria’s market-rate counterpart, no child gate