The Land’s rental-housing loan, run directly by the Investitions- und Strukturbank (ISB). Förderempfänger is whoever builds or first-buys at least 4 climate-appropriate rental flats and lets them at bound rents — the brochure sets no legal-form restriction, so an eG, e.V. or GmbH is the Bauherr/borrower.
- Grunddarlehen per m² förderfähige Wohnfläche by Fördermietenstufe: €2,500 (Stufe 1–3) … €3,150 (Stufe 7) for flats for low-income households (§ 13 LWoFG); €1,800–2,200 for households up to +60%.
- Interest 1% p.a. fixed for the binding, then market rate; Tilgung ≥1% (annuity); Sondertilgung any time.
- Tilgungszuschuss on the Grunddarlehen: 30–45% (low-income, 25 or 30-year binding; higher in Stufen 5–7), 20–30% (+60% line, 20-year binding); 50% on all Zusatzdarlehen (Holz, ökologische Dämmstoffe, QNG, EH 40, standortbedingte Mehrkosten, lifts, garages).
- Binding: Belegungs- und Mietbindung 25 or 30 years (low-income) or 20 years (+60%); rent +1.75% p.a.; tenants need a WBS.
- Gates: Eigenleistung 15% of Gesamtkosten (cash, paid land, paid invoices, unpaid Selbsthilfe, or a subordinated Eigenkapitalersatzdarlehen); Wohnflächenobergrenzen; the Bauortgemeinde must confirm the need; start only after Förderzusage (HOAI phases ≤7 harmless).
- Gemeinschaftsräume are fundable when ≥8 flats are built and at least half are funded.
- Apply directly at the ISB with the mandatory checklist and the municipality’s statement; disbursement 25/45/30% by progress.
- Combinability with KfW/BEG is not addressed in the brochure; the Zusatzdarlehen Klima duplicate BEG standards, so check double-funding with ISB. Open question (not a fact): exact terms of the Eigenkapitalersatzdarlehen (rate, rank) are not published on the 551 page.
Related
- rheinland-pfalz-gemeinsam-besser — needs ≥25% of units in this line
- rheinland-pfalz-isb-gemeinschaftswohnungen — sister line for Wohngemeinschaften ≥4 places
- rheinland-pfalz-isb-genossenschaftsanteile — member-level share loan for the co-op tenants
- belegungsbindung — binding mechanics
- soziale-wohnraumfoerderung — federal framework