The refurbishment arm of NRW’s social housing funding (FRL öff Wohnen NRW 2026 Nr. 4, disbursed by NRW.BANK). This is the line a group that buys an existing building rather than building new should look at first, because it accepts both rental stock and owner-occupied units. Antragsberechtigt are natürliche und juristische Personen with sufficient creditworthiness who own the property, so an eG, e.V., gGmbH or Stiftung applies in its own name.
- Loan up to 100% of the recognised Bau- und Baunebenkosten, capped at €220,000 per dwelling or Eigenheim; Bagatellgrenze €5,000 — below that nothing is granted. A unit can be funded repeatedly up to that cap.
- Interest 0% for 5 years, then 0.5% until the end of the Zweckbindung; market rate afterwards (self-use: base rate + 2 points, reset every 10 years). Verwaltungskostenbeitrag 0.5% p.a. from year three. Tilgung 2% p.a.
- Tilgungsnachlass: 25% for rental housing and for owner-occupied Einkommensgruppe A, 15% for rental Einkommensgruppe B. Stacked bonuses: +5% EH 85, +10% EH 70, +15% EH 55, +5% Netto-Null-Standard, +5% for avoiding mineral-oil-based insulation while insulating the façade, +5% for choosing a 30-year binding. NRW.BANK states the total reaches up to 55% (A) / 45% (B). A 50% Tilgungsnachlass applies to the loan part spent adapting a home to a documented Schwerbehinderung or Pflegegrad.
- Energy floor: rental buildings must reach at least BEG Effizienzhaus 100 (EH Denkmal for listed buildings); single measures must meet bafa-beg-em requirements. New fossil boilers, night-storage heating and air conditioning are excluded.
- Zweckbindung 25 or 30 years with Belegungs- and Mietbindung (belegungsbindung). Sitting tenants keep their flat regardless of income; new lettings need a WBS. In Städtebauförderung areas the Bewilligungsbehörde may waive occupancy binding wholly or partly.
- Rent after refurbishment is the pre-refurbishment Kaltmiete plus the § 559 BGB uplift, capped by the Nr. 2 Mietobergrenzen, with a further €0.60/m²/month allowed for verified energy savings (+€0.10 per EH 85/70/55 step, up to €1.00/m² at Netto-Null-Standard).
- Self-use variant: assets above €30,000 total cost must be spent first, with €40,000 (1 person) / €55,000 (2 persons) / +€15,000 per further person protected.
- Excluded: units whose binding rests on a Bindungsverlängerung or Bindungserwerb, and buildings with § 177 BauGB Missstände that the works do not fix.
- Apply at the Stadt- or Kreisverwaltung as Bewilligungsbehörde before starting work. Projects over 70 funded units go to the ministry for Beratung and can be recognised as “Modernisierungsoffensive+”.
Related
- nrw-wohnraumfoerderung-mietwohnraum — the new-build rental line of the same FRL
- nrw-gruppenwohnungen — cluster living, which can be created inside an existing building via this line
- nrw-wohnraumfoerderung-eigentum — the household ownership line
- bafa-beg-em — the federal single-measure standard this line references
- kfw-261 — federal Effizienzhaus loan, the usual alternative or stack partner
- belegungsbindung — the binding the loan buys