Berlin, 06.10.2023

After the German government approved the new KfW subsidy "WEF" in June 2023, various changes will come into force on October 16, 2023.

On behalf of the Federal Ministry of Housing, Urban Development and Construction (BMWSB), Kreditanstalt für Wiederaufbau (KfW) is improving the conditions for the "Home Ownership for Families" (WEF) subsidy as of October 16, 2023. The changes are part of the German government's package of measures to support housing construction in Germany.

The taxable annual income has been raised from the previous maximum of 60,000 euros to 90,000 euros (for one minor child). For each additional minor child in the household, the income limit increases by a further 10,000 euros. In addition, the maximum loan amounts, which depend on the number of children, will be raised by up to 35,000 euros.

As a result of the recently adopted changes, the financial subsidy advantage will in future be between 170,000 and 270,000 euros, depending on the subsidy level and the number of children. 

The subsidy is divided into two subsidy levels:

To qualify for the higher of the two funding levels and receive a low-interest loan of up to €270,000, the new building must meet the requirements of the Sustainable Building Quality Seal (QNG) Plus or Premium - confirmed by a sustainability certificate.

In the first funding stage, up to 220,000 euros can be applied for. No QNG is required for this. The greenhouse gas emissions requirements of the QNG Plus must nevertheless be met. This means that the new building may only emit a correspondingly low amount of CO2 during its life cycle.