Household-level state loan for building, first purchase or Bestandserwerb of a self-used Eigenheim or Eigentumswohnung (FRL öff Wohnen NRW 2026 Nr. 3, NRW.BANK). Applicant is always the household, never a group entity; in a Baugemeinschaft each household applies for its own unit.
- Grunddarlehen by Kostenkategorie of the municipality: Einkommensgruppe A €100k (K1) / €115k (K2) / €148k (K3) / €184k (K4); Gruppe B (income up to +40%) €59k / €69k / €88k / €110k.
- Zusatzdarlehen: Familienbonus €24,000 per child (or person with Schwerbehinderung); barrierefrei €11,500; BEG EH 40 €30,000; Holzbau and standortbedingte Mehrkosten as in the rental line. Ergänzungsdarlehen €2,000–50,000 at 3.58% if no bank loan is obtainable.
- Interest 0.5% for 30 years (A) or 5 years (B, extendable by 25 years if still within +40%); Tilgung 1% (2% for Bestandserwerb).
- Tilgungsnachlass (A only): 10% on Grunddarlehen + Familienbonus + barrierefrei, 50% on the other Zusatzdarlehen.
- Gates: income ≤ § 13 WFNG NRW (A: €23,540 single / €28,350 two persons + €6,530 per person + €860 per child; B +40%); Eigenleistung ≥ 7.5% (own money, unencumbered land, Selbsthilfe); self-use for the Zinsbindung; Tragbarkeit test; only one prior public ownership subsidy if repaid.
- Apply at the Bewilligungsbehörde (Kreis / kreisfreie Stadt) before the notarised Kaufvertrag or Baubeginn; NRW.BANK issues the loan.
- Combinability: NRW.BANK states “Kombination mit weiteren Förderungen möglich”; kfw-124 and kfw-297-298 are the usual federal stack partners. Open question (not a fact): whether a WEG-based Baugruppe’s units count as “Neuschaffung von Eigentumswohnungen” per household has not been confirmed with a Bewilligungsbehörde.
Related
- nrw-wohnraumfoerderung-mietwohnraum — same FRL, entity-level rental line
- nrw-bank-wohneigentum — the non-social NRW.BANK loan for households above these income limits
- weg-baugruppe — the entity form a condo Baugruppe ends up in
- kfw-124 — federal ownership loan
- saxony-frl-familienwohnen — the Saxon counterpart with an explicit group-entity path
- nrw-modernisierungsfoerderung — the refurbishment route for a household buying existing stock