For Baugemeinschaften that end in individual ownership: Planungs-GbR → Bau-GbR → WEG. There is no group-level line; each household applies alone under the IFB Förderrichtlinie Eigenheim (gültig ab 2026-01-01).
- Hard gate: family household with ≥3 children (§ 32 EStG), or ≥1 child plus a household member with GdB ≥80 %. Natural persons only; self-use as Hauptwohnung; Ersterwerb/Neubau within 2 years of completion.
- Income: § 8 HmbWoFG limits, may be exceeded by up to 100 %.
- Loan: max €550,000 (1 child + GdB 80 %), €600,000 (2–3 children), €650,000 (4), €700,000 (5+); 2 % fixed for 15 years (1.5 % for the 1-child/disability case); rangerste Grundschuld; Gesamtkosten ≤ €7,000/m² Wfl.
- Grants: energy modules (e.g. IFB-Effizienzhaus-40 €76.50/m², Passivhaus €187/m², Niedrigstenergie €202/m²).
- Equity: 10–20 % of costs. Apply before Baubeginn or signing the contract.
- Members who do not meet the child gate finance on the open market; the Agentur für Baugemeinschaften still provides land and advice.
Related
- hamburg-ifb-baugemeinschaften-genossenschaftlich — the co-op route with group-level funding
- hamburg-agentur-fuer-baugemeinschaften — land and process for both routes
- weg-baugruppe — the end form
- gbr-baugemeinschaft — planning and building phase
- grunderwerbsteuer-baugemeinschaft — tax trap on the GbR→WEG path
- kfw-124 — federal home-ownership loan, combinable (WP1)
- kfw-300 — federal family line with its own child/income gates (WP1)