State loan for a natural person who signs Geschäftsanteile to join a Wohnungsgenossenschaft and obtain a co-op flat for self-use (VV MdF 2 Apr 2020, amended 30 Sep 2025, Nr. 2.1.2 / 5.2 / 6.2). The co-op itself is not the borrower.
- Up to 80% of the share cost, max €50,000, min €5,000 per household.
- Interest 0.5% for 10 years (Land-subsidised), then market rate; Tilgung ≥2.5% p.a. plus saved interest; 1% fee (min €250).
- Gates: household income ≤ § 13 LWoFG + 60% (≈€46,900 gross single, ≈€66,800 two adults per ISB); Wohnfläche of the flat must be angemessen (≤145 m² for ≤4 persons) where share size follows flat size; Zweckbestimmung 10 years of actually using the co-op dwelling right; security is a pledge of the Auseinandersetzungsguthaben (no mortgage needed).
- Apply at the Kreis-/Stadtverwaltung where the co-op building lies (Förderbestätigung), then ISB; the co-op reports the move-in date to the ISB.
- Cohousing lens: this is the RLP equivalent of the federal share loan; it funds a member’s equity in a new or existing eG, which the co-op then leverages with rheinland-pfalz-isb-darlehen-mietwohnungen or bank debt. Open question (not a fact): the VV does not state whether 704 may be stacked with kfw-134 on the same shares; ask the ISB before applying for both.
Related
- kfw-134 — federal counterpart (up to €150k per unit, Hausbank)
- genossenschaft-shares — what is being financed
- eg-cooperative — the required entity form
- rheinland-pfalz-isb-darlehen-wohneigentum — same VV, ownership variant