Hessen’s rental line (Richtlinie zur sozialen Mietwohnraumförderung of 26 June 2026). Natürliche und juristische Personen are förderberechtigt, so an eG, e.V., GmbH or Stiftung can be Bauherr; only Bauträger building to sell are excluded. Minimum 4 units.
- Darlehen per m² Wohnfläche by Bodenpreis: €1,700 (<€300) … €2,500 (€600–1,200) … €2,700 (≥€1,200); +€500/m² for a Gemeinschaftsraum; +€150/m² wheelchair units; lift €3,500/unit.
- Interest 0.6% fixed for the whole binding; Tilgung 2%; 1% fee.
- Finanzierungszuschuss (non-repayable) as a share of the loan: low-income line (Nr. 4) 20% / 30% / 40% for 15 / 20 / 25 years of Belegungs- und Mietbindung; middle-income line (Nr. 5) 20% / 25% / 30%; +€150/m² for EH 40.
- Rent cap: Vergleichsmiete −25% (Nr. 4) or −20% (Nr. 5). Tenant income: Nr. 4 €20,146 single / €30,565 two persons + €6,948 per person; Nr. 5 €24,175 / €36,678 + €8,338; +€924 per child.
- Gates: Eigenleistung ≥ 15%; kommunale Finanzierungsbeteiligung (≥€10,000/unit or land) — waived where a Genossenschaft rents exclusively to its members; Erbbaurecht must outlast binding + loan by 10 years.
- Modellprojekte (Nr. 8) testing “gemeinschaftliche Wohnformen”, flexible floor plans or reduced space consumption get +€100/m² if matching extra costs are shown; ministry decides.
- Apply: register the project at the Wohnraumförderungsstelle (Magistrat/Kreisausschuss) before start; 2026 rounds closed 21 Aug and 20 Nov; WIBank issues the Förderzusage.
- Kumulierung: BEG and Bund model-project funds allowed; other Bund/Land housing money not.
Related
- hessen-darlehen-gemeinschaftliches-wohnen — the ownership/group line of the same ministry
- eg-cooperative — co-op form that unlocks the municipal co-financing waiver
- belegungsbindung — what the 15/20/25-year binding means
- kfw-297-298 — federal new-build loan stackable via BEG
- soziale-wohnraumfoerderung — Bund–Länder framework