The investive line — and note the product’s own name: “Miet- und Genossenschaftswohnungen sowie Studentenwohnheimplätze”. Co-op housing is not an exception here, it is in the title. Legal base WoFöRL SH, with Nr. 15 covering Genossenschaftswohnungen, revised and in force since 2026-02-01.
- What: Neubau of rental flats, Kauf of newly built rental flats, and Modernisierung of existing ones. Unbound existing flats can also be put at the disposal of Wohnberechtigte for a period.
- Applicant: the investor, i.e. the owning entity — an eG, e.V., GmbH/gGmbH, Stiftung, municipality or private person. IB.SH staffs advisers dedicated to genossenschaftliche Wohnprojekte alongside those for private and commercial investors.
- Instrument: zinsgünstige Förderdarlehen plus Investitionszuschüsse of the Land, calculable over the whole term. The 2022 Wegweiser gives up to 85 % of reasonable cost; the current IB.SH page speaks of funding up to 100 % of total cost — treat the ceiling as unresolved and confirm before modelling.
- The price: letting to Wohnberechtigungsschein holders, normally for 35 years, at regionally differentiated Fördermieten with defined increase steps.
- Flexible mix: the split between funded and unfunded flats in one building is freely arranged, which lets a group cross-subsidise.
- Route: kommunale Stellungnahme → ARGE Bewertungsvermerk → IB.SH loan application. Paid in three tranches at Baubeginn, Rohbaufertigstellung and Bezugsfertigkeit. Combinable with other funding, and IB.SH also passes through KfW.
- Schlussabrechnung is one-directional: lower final costs cut the subsidy and trigger repayment; higher costs are never topped up.
Related
- schleswig-holstein-wohnraumfoerderung — the frame, the three-step process and Nr. 15
- schleswig-holstein-zuschuss-genossenschaftsanteile — the member-side grant on the same building
- schleswig-holstein-wohnprojekte-gruendungsfonds — the stage before this one, and its 30 % rule points here
- eg-cooperative — named in the product itself
- gmbh-ggmbh-project — a project company is an eligible investor
- syndikat-haus-gmbh — the Syndikat model fits the investor definition
- belegungsbindung — the 35-year Bindung
- kfw-297-298 — federal new-build loan, stackable
- kfw-261 — the modernisation counterpart
- niedersachsen-nbank-mietwohnraum — the neighbouring state’s line, with published figures
Detail
- IB.SH Investitionsdarlehen Mietwohnungsbau is the unsubsidised sibling: loans from €50,000, Zinsbindung up to 20 years, no Bindung and no income gate. It is the fallback where a group cannot or will not accept a 35-year Belegungsbindung, or where the social contingent is exhausted.
- The ARGE für zeitgemäßes Bauen e.V. step is a genuine quality gate on ecology and urban design, not a formality — build its lead time into the schedule.
- Open question (not a fact): the Grunddarlehen and Zusatzdarlehen amounts, the Investitionszuschuss, the interest rate, the Fördermieten by region, the income limits and the Eigenkapital quota are set in the WoFöRL SH, which was not retrievable on 2026-09-10. The 85 % figure comes from the IB.SH Wegweiser of March 2022 and may be superseded by the “up to 100 %” wording now on the product page. Confirm with IB.SH Mietwohnungsbau before relying on either.