Lower Saxony’s owner-occupier line. Produktinformation Stand 01.07.2026. Natural persons only — the household is the applicant, never the group entity, so in a Baugemeinschaft each household applies for itself.
- Loan: up to 90 % of total cost, capped at €180,000 (income group A) or €140,000 (B and C). +€10,000 (A) or €7,500 (B/C) per child and per household member with a disability, but never past the 90 % ceiling.
- Grant: €10,000 per child and per household member with a disability, in every income group. The grant is only available alongside the loan — grant-only is excluded.
- Interest: 0 % for years 1–20, market rate from year 21. Tilgung 2 %. Verwaltungskosten 0.5 % p.a. of residual; Bearbeitungsentgelt 1 % of loan and 0.75 % of grant. Nachrangige Grundschuld.
- Gates: income within § 3 Abs. 2 NWoFG (A), +40 % (B), or +60 % (C, only in areas under § 4 Abs. 1 Nr. 3/4 DVO-NWoFG); self-use for 20 years; Eigenmittel 10 %, or 7.5 % with two or more children or a disabled household member, of which at most 5 % as Sach- und Arbeitsleistungen; applicant must own the plot or hold an Erbbaurecht (a secured commitment is enough at application); after servicing the debt, €675 must remain per month for the applicant, €600 per further person, €475 per child.
- Hard exclusions: anyone who has had state Eigentumsförderung before; substantial other assets; owning other let, leased or vacant property; and Wohngebäude with more than 2 Wohnungen.
- Apply to the local Wohnraumförderstelle before Vorhabenbeginn where eligible spend is €100,000 or more.
Related
- niedersachsen-wohnraumfoerderung — the frame and income groups
- niedersachsen-nbank-mietwohnraum — the group-level alternative
- weg-baugruppe — the form a group ends in if it goes down this route
- gbr-baugemeinschaft — the building phase, before individual ownership
- grunderwerbsteuer-baugemeinschaft — the tax trap on that path
- kfw-124 — federal home-ownership loan, and kfw-300 for families
- wohn-riester — the tax route into co-op shares instead
- erbbaurecht — expressly accepted here in place of ownership (WP6)
Detail
- The size caps are generous but real: 90 / 110 / 130 / 150 m² for 2–5 persons in an Eigenheim, 60 / 75 / 90 / 105 / 120 m² for 1–5 persons in an Eigentumswohnung, +15 m² for a disabled or care-dependent member, +15 m² for a proven home office.
- The Erbbaurecht carve-out matters: a group on foundation or municipal leasehold land is not shut out of the household subsidy.
- Combinable with the separate NBank Modernisierung von selbstgenutztem Wohneigentum line where the two touch different eligible costs.
- Open question (not a fact): the exclusion of “Wohngebäude mit mehr als 2 Wohnungen” sits awkwardly beside the published size table for an Eigentumswohnung in einem Mehrfamilienhaus. The likely reading is that the exclusion bites on building a block of more than two units, while buying one condominium in a larger building stays eligible — but this was not stated on the Produktinformation of 01.07.2026. A Baugemeinschaft of more than two households should confirm with the Wohnraumförderstelle before relying on it.