IFB Fixed-Rate Loan

The IFB Fixed-Rate Loan from IFB Hamburg supports private individuals in the construction or acquisition of owner-occupied residential property in the Hanseatic City. As a long-term subordinated loan with an interest rate fixed for 25 years, it offers planning security and attractive conditions up to 100,000 euros. Eligible costs include not only land and purchase prices but also ancillary construction costs, expenses for outdoor facilities, and incidental acquisition costs. Modernization and maintenance measures can be considered up to 50%. By combining it with a senior bank loan, interest rate advantages can be optimally complemented and the overall financing sustainably structured. Ongoing application opportunities ensure flexibility for different construction and purchase timelines.

Eligible applicants are natural persons with projects in Hamburg who have already scheduled the notary appointment or are still in the planning phase. A prerequisite for a successful application is submission through a cooperating credit institution that has an agreement with IFB Hamburg. The application must be submitted before construction begins or at the latest immediately after the notarized purchase contract is concluded. Combining this with other IFB and KfW programs is possible, provided the total loan amount does not exceed 150,000 euros. The review and approval phase takes place immediately after the documents are submitted by the lending bank. Interested parties receive comprehensive advice from the involved experts at IFB Hamburg and partner institutions to find the optimal financing solution and ensure the long-term affordability of the home.