IB Sachsen-Anhalt’s unsubsidised self-use loan. It carries no income gate, so it is where IB sends households the subsidised sachsen-anhalt-ib-wohneigentumsrichtlinien currently turns away — childless households, and anyone buying in Magdeburg or Halle.
- Interest (published 2026-09-10, volatile): 4.89 %–5.53 % nominal depending on tranche size and term; e.g. 4.95 % for €65k–100k over 20 years, 4.89 % over 30 years, 5.53 % for €45k–65k over 20 years. Zinsbindung 10 years, 1 tilgungsfreies Jahr.
- What: Neuschaffung and Ersterwerb of self-used houses and flats; purchase of existing flats, optionally with follow-on modernisation.
- Gates: Eigenanteil ≥ 10 % of eligible total cost, of which 5 % in Barmitteln; 40 % of total cost must come from a Hausbankdarlehen — IB finances only a slice. Payout on Kaufvertrag (existing stock) or Baubeginn (new build). No payout for land purchase.
- Applicant: Privatpersonen. The group entity is not an eligible borrower.
Because the rate is near-commercial, treat this as senior debt rather than as a subsidy: the subsidy in a Saxony-Anhalt group project has to come from federal lines and from sachsen-anhalt-modern on the renovation side.
Related
- sachsen-anhalt-ib-wohneigentumsrichtlinien — the subsidised line this substitutes for
- sachsen-anhalt-modern — the IB loan for renovating the acquired building
- kfw-124 — cheaper federal alternative for the same purpose
- gls-bank-financing — ethical-bank senior lender for group projects