The one Saxony-Anhalt line a group entity can borrow in its own name: IB’s modernisation loan from the Fonds Wohnraumförderung Sachsen-Anhalt. Annuitätendarlehen, rates gültig ab 21.07.2025 and volatile.
- Who: Privatpersonen, private Vermieter and gewerbliche Vermieter / Wohnungsunternehmen — so an eG, e.V., gGmbH or Syndikat Haus-GmbH letting the building qualifies as borrower.
- What: altersgerechtes Umbauen; energieeffiziente Sanierung; general modernisation, including buying the property but only in combination with one of the first two.
- Rates: energieeffizientes Sanieren 0.95 % (10-yr Zinsbindung) / 1.75 % (20-yr); altersgerechtes Umbauen 2.00 % / 2.80 %; allgemeine Modernisierung 3.20 % / 3.95 % (the last two subject to the permitted aid value not being exceeded).
- Term: 10 / 20 / 30 years, Zinsbindung 10 years each (or a 20-year variant), 1 tilgungsfreies Jahr. Initial Tilgung 2.12 %–10.76 % depending on tier and term.
- Amount cap: none published — open question (not a fact); ask IB (0800 56 007 57).
- Gate change: since 1 January 2025 standalone fossil-fuel boilers are no longer funded (Art. 17 Abs. 15 of the recast EU Buildings Directive).
- Belegungsbindung: none stated on the programme page for MODERN itself — open question (not a fact) whether the Fonds attaches one; the retired grant line did.
Discontinued neighbour: WOHNRAUM HERRICHTEN (grant, 50 % of eligible cost, max €10,000 per unit, €20,000 with a lift, against a 10-year WBS Belegungsbindung) is closed to new applications. Aufzugsprogramm 2024 still funds retrofitting lifts for private and commercial landlords.
Related
- sachsen-anhalt-junges-wohnen — the other ST line open to juristische Personen
- sachsen-anhalt-ib-wohneigentumsrichtlinien — the household-level ST line
- kfw-261 / bafa-beg-em — federal energy stack for the same works
- kfw-159 — federal barrier-reduction loan
- eg-cooperative / gmbh-ggmbh-project — eligible borrower forms
- belegungsbindung — what a Fonds-funded Bindung would mean if one applies