The best state line in the north for a group that wants to build and let. Legal base RL Mietwohnraum 2026; Produktinformation Stand 31.08.2026. Covers Neubau, Aus-/Umbau, Erweiterung and Ersterwerb within 2 years of completion.
- Applicant: the group entity. Natural and legal persons and Personenvereinigungen mit eigener Rechtspersönlichkeit, explicitly including Genossenschaften and Baugemeinschaften; a Baugemeinschaft should be rechtsfähig.
- Amount, as a share of eligible cost, by tenant income group: A — loan up to 40 % plus grant up to 40 %; B — 60 % / 20 %; C — 70 % / 10 %. The grant is only available alongside the loan. Modellhafte Wohnungsbauprojekte add up to 5 percentage points, Housing First up to 10.
- Cost basis: €4,800 per m² Wfl. (Mietstufe I–III) or €5,000 (IV–VII), covering DIN 276 KG 200–700 plus land (KG 100, generally to Bodenrichtwert).
- Interest: 0 % until the end of year 35 after Bezugsfertigkeit, then up to 3 points over the § 247 BGB Basiszinssatz but never above market. Full repayment by year 42. Verwaltungskosten 0.5 % p.a. of residual; Bearbeitungsentgelt 1 % of loan and 0.75 % of grant.
- Gates: Eigenmittel ≥20 % of eligible cost, at least half of it cash or an unencumbered plot; nachrangige Grundschuld — a pure Objektgesellschaft always has to post extra security; usually ≥3 units, but gemeinschaftliche Wohnformen are an explicit exception; Zweckbestimmung 35 years; rent €6.50–9.00/m² by Mietstufe and income group, +€0.30 at KfW-EH 40, fixed for 3 years, no Staffel- or Indexmiete.
- Apply to the local Wohnraumförderstelle before Vorhabenbeginn. Buying the plot or taking an Erbbaurecht does not count as a start.
Related
- niedersachsen-wohnraumfoerderung — the frame, income groups and the municipal application route
- niedersachsen-nbank-modernisierung-mietwohnungen — the refurbishment sibling
- niedersachsen-nbank-bindungen — binding stock instead of building
- eg-cooperative — named eligible applicant
- gbr-baugemeinschaft — named, but must be rechtsfähig
- mopeg-egbr — how a Baugemeinschaft becomes rechtsfähig
- gmbh-ggmbh-project — a project company qualifies, at the price of extra security
- syndikat-haus-gmbh — fits the Objektgesellschaft description, so expect Bürgschaften
- belegungsbindung — the 35-year Zweckbestimmung
- kfw-297-298 — federal new-build loan, and the EH 40 standard that lifts the rent cap
- hessen-darlehen-gemeinschaftliches-wohnen — the comparable west-German group line
Detail
- Gemeinschaftliche Wohnformen (Nr. 5.1.4) are defined as several people or households living in one Wohneinheit, in single rooms or self-contained flats, with shared kitchens, dining or living rooms, the household essentially self-organised by the residents. Cluster-Wohnungen, Wohngemeinschaften and Wohngruppen all qualify, and funding is not limited to Mehrfamilienhäuser — other building structures count. Cap: 40 m² per person including shared area. In a WG, one shared bathroom plus a separate WC per three individual rooms; in a Wohngruppe each apartment needs its own kitchenette and bathroom.
- Modellhafte Wohnungsbauprojekte (Nr. 5.1.5) explicitly include testing gemeinschaftlicher Wohnformen, alongside serial/modular building, flexible floor plans, cutting running costs and reducing floor-area consumption. Selection turns on transferability, and the project must plausibly inspire similar local schemes. Deviations from the normal rules are permitted where the experiment needs them — the single most flexible door in the Niedersachsen system for an unconventional group.
- Standard adequate sizes: 50 / 60 / 75 / 85 m² for 1–4 persons, +10 m² each further person, +12 m² (or 15 with a Freisitz) for wheelchair-accessible units; the Förderstelle may allow +10 %.
- Zwischenmietverhältnisse are barred, so a group cannot head-lease and sublet.
- Excluded: buildings under three units as a rule, Eigentumswohnungen intended for letting, and non-permanent or temporary accommodation.