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Owner-occupied housing; application for funding

The state promotes the creation or acquisition of owner-occupied housing (own house or condominium for own use).

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Procedure details

Purpose

The purpose of the subsidy is to help people seeking housing to become homeowners by building or purchasing a house or condominium for their own residential purposes (= owner-occupation, Art. 3 (1) sentence 4 of the Bavarian Housing Subsidy Act, BayWoFG).

Object

The state promotes the creation or acquisition of owner-occupied housing as part of the Bavarian Housing Construction Program.

Eligible costs

For the construction of housing, the total costs within the meaning of §§ 5 to 8 of the Ordinance on Housing Calculations under the Second Housing Act (Second Calculation Ordinance - II. BV) (= land, construction and ancillary construction costs) are eligible.

In the case of the purchase of housing, the purchase price and the purchase costs are eligible; in the case of a second purchase (= used housing), the costs of necessary modernization and repair measures are also eligible.

Type and amount

The subsidy is granted as a credit/loan.
The type of grant is a project grant.

Funding under the Bavarian Housing Program is provided in the form of a low-interest subsidized loan of up to 30 percent of the eligible costs for construction and first-time purchases and up to 40 percent for second-time purchases, as well as a one-off child subsidy of EUR 7,500 per child and an existing home subsidy of 10 percent of the eligible costs for the second-time purchase and replacement construction of a family home or condominium.

In the interest subsidy program, funding is provided in the form of a subsidized loan of up to one third of the total costs.

  • Only households whose income does not exceed the income limits specified in Art. 11 Para. 1 BayWoFG can benefit from the subsidy.
  • Funding is provided in the form of a loan and a one-off grant for households with children. The loan may amount to a maximum of 30 percent of the eligible costs for construction and first-time purchases and 40 percent for second-time purchases.
  • For the second purchase, a grant of 10 percent of the total costs up to a maximum amount of 50,000 euros is also granted.
  • The construction project may not be started before the grant has been approved.
  • There is no legal entitlement to funding.

Exclusion criteria:

Owner-occupied housing may only be subsidized for applicants who are not only temporarily residing in Germany and who are legally and actually in a position to establish a long-term residence for their household as the center of their living relationships and to run an independent household.

Funding for the purchase of owner-occupied housing is excluded if the seller and buyer are related in a direct line.

  • Required Documents
    • Antrag Eigenwohnraum undMietwohnraum im Zweifamilienhaus: Stabau Ia
    • Einkommenserklärung des Antragstellers: Stabau III a
    • Einkommenserklärung für weitere Haushaltsangehörige: Stabau III b

The procedure is a two-stage process:

  1. The application must be submitted to the district administrative authority (district office, independent city) using the forms and documents provided for this purpose. Approval is granted by the district administrative authority.
  2. The loan commitment and notification of approval is made by the Bayerische Landesbodenkreditanstalt. Payment is made according to the progress of construction and must be applied for at the district administrative authority. The district administration offices or independent cities are responsible for providing advice.

Early start of measures: Possible after approval

There are no costs.

None

Administrative court action

Status: 01.04.2025
Editorial responsibility Bayerisches Staatsministerium für Wohnen, Bau und Verkehr
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