Saxony-Anhalt’s subsidised self-use loan (Richtlinien in MBl. LSA Nr. 44/2025 vom 22.12.2025), paid from the Fonds Wohnraumförderung Sachsen-Anhalt by Investitionsbank Sachsen-Anhalt (IB).
- Amount: Baudarlehen min €20,000, max €100,000, +€25,000 per household child, capped at €175,000. Calculated as eligible total cost minus the Eigenanteil.
- Interest / term: 0.90 % nominal at 10-year Zinsbindung, 1.70 % at 20-year, total term 30 years, no Freijahre, Tilgung from 2.92 % (rates as published 2026-09-10, volatile). The Richtlinie only requires a Zinsbindung of at least 10 years.
- Applicant: a household with at least two members — a natural-person household, never the group entity. Income must stay within § 2 of the Landesverordnung über die Einkommensgrenzen bei der sozialen Wohnraumförderung, and § 11 Abs. 3 WoFG must be met. Each member of a Baugemeinschaft or WEG applies for its own unit.
- Gates: self-use for at least 10 years (early exit triggers clawback); Eigenmittel ≥ 10 % of total cost, of which ≥ 5 % in cash; Wohnfläche ≤ 130 m² for a house or flat; no start before Bewilligung; land purchase alone is not payable from the loan.
- Combinability: explicitly kumulierbar with other subsidised credit, Zulagen or grants as long as the Eigenanteil is still met — so kfw-124, kfw-300 and wohn-riester stack.
- Path: IB Sachsen-Anhalt, Domplatz 12, Magdeburg. Simple Verwendungsnachweis within 3 months.
Rationing warning (live 2026-09-10): applications from households without children and projects in Magdeburg or Halle (Saale) cannot currently be approved — IB is applying the Kontingent clause in Ziffer 7.3. Those applicants are routed to the unsubsidised sachsen-anhalt-ib-wohneigentumsprogramm. That makes this line, in practice, closed to most childless cohousing groups in the two cities where they cluster.
Related
- sachsen-anhalt-ib-wohneigentumsprogramm — the fallback IB loan when this one is rationed
- sachsen-anhalt-modern — modernising the same stock afterwards
- gbr-baugemeinschaft / weg-baugruppe — how a group ends in per-household ownership here
- kfw-124 / kfw-300 — federal lines that stack on top
- wohn-riester — the tax-side companion for a self-use household
- brandenburg-ilb-wohneigentum — neighbouring state’s far richer version of the same idea