Federal subsidized loan financing a private individual’s purchase of cooperative shares for self-occupied co-op housing. Works for founding a new Wohnungsgenossenschaft (eG) or joining an existing one.
- Up to €150,000/unit (raised from €100k on 2026-02-03, confirmed live in Merkblatt Stand 02/2026), term up to 35 yr (variants 10/10, 25/3, 35/5; Mindestlaufzeit 4 yr).
- Interest subsidized in the first fixed-interest period (5 or 10 yr Bindung), plus a repayment grant (Tilgungszuschuss) of 15% capped at €22,500.
- Gates: only natural persons (not the entity); the apartment must be the borrower’s main/sole residence; second homes and rent-free relative transfers are excluded. Requires a Wohnungsgenossenschaft (eG).
- Applied for through the borrower’s house bank (Hausbankprinzip) before share purchase. Abruffrist 12 mo, auto-extend up to 24 mo.
Re-verified 2026-06-06 against live KfW page + Merkblatt PDF (Stand 02/2026): all
figures unchanged. Source URL updated (old Bestehende-Immobilie/Förderprodukte/
path now 404; live path is Bestandsimmobilien/Finanzierungsangebote/).
This is the federal anchor of the legal form is the gateway to funding principle: no eG, no Programm 134.
Related
- eg-cooperative — the required entity form
- genossenschaft-shares — what the loan finances the purchase of