The refurbishment counterpart to the new-build line, and — like it — written to include gemeinschaftliche Wohnformen in its own title. This is the line for a group that buys an older building rather than building one.
- Applicant: investors modernising rental housing. The NWoFG Zuwendungsempfänger definition applies, so Genossenschaften and rechtsfähige Baugemeinschaften qualify as on the new-build line.
- Instrument: Darlehen plus Zuschuss, graded by tenant income group A, B or C — the same A/B/C logic as the new-build line, with the deepest grant for group A.
- Hard building gate: the property must have been bezugsfertig before 2004-12-08.
- Hard performance gate: the works must improve the building by at least two energy-efficiency classes under the GEG.
- Apply to the local Wohnraumförderstelle (Landkreis, Stadt, Gemeinde) before starting; NBank issues and administers the Bewilligung.
- Sits below the senior bank loan in the stack and carries Belegungs- und Mietbindung on the refurbished flats, like every NWoFG line.
Related
- niedersachsen-wohnraumfoerderung — the frame, income groups and application route
- niedersachsen-nbank-mietwohnraum — the new-build line, whose A/B/C grades this mirrors
- niedersachsen-nbank-bindungen — pairing works with a purchased binding
- eg-cooperative — a Mietergenossenschaft buying and refurbishing its own building
- syndikat-haus-gmbh — the classic acquisition-and-refurbish model
- kfw-261 — federal Effizienzhaus loan, the obvious stack partner
- bafa-beg-em — single-measure grants
- belegungsbindung — the resulting Bindung
Detail
- Open question (not a fact): the exact loan and grant percentages, interest, term, Zweckbestimmung length, rent caps and equity requirement are set out in the Produktinformation dated 15.07.2026, which was not retrievable on 2026-09-10 (the NBank page carries only the A/B/C description). Do not assume the new-build figures carry over. Request the Produktinformation from NBank-Beratung before modelling.
- NBank runs a separate Modernisierung von Mietwohnungen in Mehrfamilienhäusern line without the climate framing, and a Modernisierung von selbstgenutztem Wohneigentum line for owner-occupiers, which the Eigentumsförderung may be combined with where the eligible costs differ.