The one German state line written explicitly for cluster living: Nr. 6 of the Förderrichtlinie Öffentliches Wohnen NRW 2026 funds Gruppenwohnungen und Clusterwohnungen for 3–12 persons as social rental housing. It rides on the rental line (Nr. 2) and only states what differs. The owner entity is the borrower — eG, e.V., GmbH/gGmbH, Stiftung or GbR, as in nrw-wohnraumfoerderung-mietwohnraum.
- Each person rents their own Individualbereich under a separate Mietvertrag, plus a right of use over the shared areas. The dwelling must not fall under § 18 Abs. 1 WTG (no provider-run care setting).
- Grunddarlehen at the Nr. 2.5.1 per-m² rates (€3,110 M1–M3 / €3,350 M4 / €3,490 Bonn, Düsseldorf, Köln, Münster, Einkommensgruppe A) over up to 50 m² per person, made of the Individualbereich plus an equal per-head share of the Gemeinschaftsfläche.
- Individualbereich: own Küchenzeile and own bathroom with WC, minimum 18 m². Shared areas need at least a Gemeinschaftsküche and a dining place sized for the whole group at once. A Gästezimmer and a Betreuerzimmer count as fundable Gemeinschaftsfläche; a Freisitz is required.
- Zusatzdarlehen per Nr. 2.5.2–2.5.7 and 2.5.9–2.5.10 apply, including the €60,000 per unit for a newly founded resident-run Wohnungsgenossenschaft, plus a Brandschutz-Zusatzdarlehen of up to €5,750 per Individualbereich.
- Interest 0% for 5 years, then 0.5% to the end of the 25- or 30-year Zweckbindung; Tilgungsnachlass as in the rental line (30–40% Grunddarlehen, 50% Zusatzdarlehen).
- Möblierungszuschlag up to €45 per month per Individualbereich for built-in furniture is allowed on top of the Bewilligungsmiete. Rent for the shared area is split equally per head at the Einkommensgruppe A Bewilligungsmiete, computed on maximum occupancy.
- Zwischenvermietung of a whole Gruppenwohnung to a Verein, GbR or caritativer Träger is permitted only if every obligation from the Förderzusage passes through in full and no rent above the Bewilligungsmiete is charged. That is the route for an association-run shared house.
- Gates: tenants need a WBS; Belegungs- and Mietbindung run the whole term (belegungsbindung); Individualbereiche are counted as dwellings, so the Nr. 2 minimum of 4 funded units is reached quickly. Apply at the Bewilligungsbehörde (Kreis / kreisfreie Stadt) before Vorhabenbeginn.
- Open question (not a fact): NRW.BANK publishes no separate Gruppenwohnungen product page, so the line is applied for through the Mietwohnraum-Neuschaffung product; whether a pure Clusterwohnung project without a care angle is routinely bewilligt has not been confirmed with a Bewilligungsbehörde.
Related
- nrw-wohnraumfoerderung-mietwohnraum — the parent line whose terms apply unless Nr. 6 says otherwise
- eg-cooperative — the form that also unlocks the €60k per-unit Zusatzdarlehen
- ev-association — the typical Zwischenmieter of a Gruppenwohnung
- belegungsbindung — what the 25/30-year binding obliges
- nrw-modernisierungsfoerderung — the same FRL applied to an existing building
- kfw-297-298 — federal new-build loan usually stacked as Fremdmittel