Household-level ISB loans for building or buying a self-used home (VV Wohneigentum und Erwerb von Genossenschaftsanteilen, MdF 2 Apr 2020, last amended 30 Sep 2025). The household is the borrower; a Baugemeinschaft member applies for their own unit.
- Social line (501–503): Grunddarlehen 30% of Gesamtkosten + 5% Zusatzdarlehen each for purchase, purchase with works ≥€10k, per child, per person with GdB ≥50 / Pflegegrad ≥2, income ≤10% over the limit, Ersatzneubau. Caps €150,000 (Fördermietenstufe 1–2) / €175,000 (3–4) / €190,000 (5–7), +10% for the 3rd and each further child.
- Tilgungszuschuss 10% / 7.5% / 5% by income band (+2.5% for EH 55 new build). Rates on 25.08.2026: 3.70% (20-year) / 3.80% (30-year Zinsbindung); 1% fee (min €250); Sondertilgung ≤10% p.a.
- Gates: income ≤ § 13 LWoFG + 60% (e.g. ~€46,900 gross single, ~€66,800 two adults); Wohnfläche ≤145 m² (up to 4 persons); Eigenkapital ≥10%; contract ≤2 months old; no purchase from relatives in direct line; self-use for the Förderzeitraum.
- Apply at the Kreis-/Stadtverwaltung (Förderbestätigung), which forwards to the ISB; rate fixed at ISB receipt.
- Universal line (710): €25,000–100,000 subordinated, no income limit, 4.90% fixed 20 years, needs a permanent job ≥6 months and a senior lender; explicitly combinable with KfW/Bund programmes.
- Cohousing lens: the VV allows “Räume zur gemeinschaftlichen privaten Nutzung” inside the funded Wohnfläche (Nr. 2.2.5). Open question (not a fact): whether a WEG Baugruppe’s Ersterwerb from its own GbR counts as Neubau per household has not been confirmed with the ISB.
Related
- rheinland-pfalz-isb-genossenschaftsanteile — same VV, the co-op-member variant
- kfw-124 — federal ownership loan (710 explicitly stackable)
- weg-baugruppe — end form for a condo Baugruppe
- rheinland-pfalz-isb-darlehen-mietwohnungen — the entity-level alternative