Berlin’s member-level line: the Land Berlin (via IBB) lends a household the money to buy its Geschäftsanteile in a Wohnungsbaugenossenschaft. Legal basis: Verwaltungsvorschriften für die Förderung des Erwerbs von Geschäftsanteilen von Wohnungsbaugenossenschaften in Berlin 2023 (Bekanntmachung 23.02.2023, last amended 18.12.2024, ABl. 21.03.2025).
- Amount: zinsloses öffentliches Darlehen €2,000 – €50,000 per household, sized to the share (Geschäftsanteil or projektbezogene Beteiligung).
- Term: Zinsbindung and Laufzeit up to 30 years; up to 5 tilgungsfreie Jahre, then individual Tilgung (min €50/month). Sondertilgung from €1,000 allowed.
- Grant element: Tilgungsverzicht 15 % at payout, plus a further 10 % after nine-tenths of the term (or when 90 % repaid) if the household still holds a valid WBS.
- Gates: Hauptwohnsitz Berlin; Wohnberechtigungsschein (WBS) at application (income may exceed § 9 Abs. 2 WoFG by max 120 %); first-time purchase of shares in an eG or eG in Gründung (i.G.) for a self-used flat in Berlin; once per household; move in within 6 months of the loan contract (new build: 6 months after Bezugsfertigkeit). Move-out triggers repayment; not transferable.
- Applicant: the natural person (household), not the co-op. Loan contract with IBB.
- Path: apply at IBB before signing the shares (a Reservierungsgebühr is harmless); Antrag + Selbstauskunft + Unterlagencheckliste. IBB phone 030 2125-3488.
- Combinability: households without WBS are pointed to kfw-124 via IBB; kfw-134 is the federal alternative/complement (Hausbank, no WBS gate) — whether both may finance the same share is an open question (not a fact); ask IBB before stacking.
Cohousing lens: this is the piece that lets low-income members join a Berlin group that chose the eG form — the co-op raises equity from members (genossenschaft-shares) and Berlin lends members that equity. It pairs with the co-op-level line berlin-ibb-genossenschaftsfoerderung-neubau-bestand, where paid-in Geschäftsanteile count as the co-op’s Eigenkapital.
Related
- berlin-ibb-genossenschaftsfoerderung-neubau-bestand — the entity-level twin (co-op as borrower)
- genossenschaft-shares — what the loan buys
- eg-cooperative — required entity form (eG or eG i.G.)
- kfw-134 — federal share-purchase loan, no WBS gate
- kfw-124 — IBB’s fallback for non-WBS households
- berlin-netzwerkagentur-generationenwohnen — free advice for groups forming a Berlin co-op