Municipal Infrastructure Loan Lower Saxony
Low-interest and long-term loans for Lower Saxony municipalities to finance municipal, digital, and social infrastructure projects as well as refinancing of existing loans; up to 100% financing, term up to 30 years, applications accepted continuously.
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Grant criteria
Funding objective
Financing of investments in municipal, digital, and social infrastructure in Lower Saxony as well as refinancing of existing bank loans as follow-up financing.
Eligible expenses
- Investment costs for municipal, digital, and social infrastructure
- Refinancing of existing loans from other banks
Non-eligible expenses
- Measures in residential construction that are supported by social housing promotion from the state of Lower Saxony
- Measures that distort free competition (aid according to Art. 107 TFEU)
Eligible to apply
- Public Institutions
Funding requirements
- Municipal authorities in Lower Saxony
- Excluded: Measures in residential construction within the framework of social housing promotion by the state of Lower Saxony
- Compliance with the legal framework conditions according to NKomVG, KomHKVO, and guidelines of the Lower Saxony Ministry of the Interior
Documents required for application
- Call for proposals from the municipality via email or fax
Description
As a central funding instrument for municipal administrations in Lower Saxony, the Investment and Development Bank of Lower Saxony (NBank) provides long-term, low-interest loans through the Municipal Infrastructure Loan Lower Saxony. Investments in municipal, digital, and social infrastructure projects as well as the refinancing of existing loans from other banks as follow-up financing are supported. The loan framework covers up to 100% of eligible expenses with a term of up to 30 years and allows for up to three repayment-free years. Continuous application opportunities ensure flexible project planning without fixed deadlines, while the daily updated interest rates allow for transparent cost calculation.
Eligible applicants are exclusively municipal authorities in Lower Saxony that comply with the legal framework conditions according to the Lower Saxony Municipal Constitution Act (NKomVG), the Municipal Budget and Cash Regulation (KomHKVO), as well as the guidelines of the Lower Saxony Ministry of the Interior. Projects in the area of socially subsidized housing construction and measures that impair free competition pursuant to Art. 107 TFEU are excluded. Eligible expenses include both investment costs for infrastructure projects and refinancing tranches of existing loans. To submit an application, it is sufficient to send the municipal tender by email or fax; a daily updated offer of terms will then follow. This model supports municipal administrations in financing sustainable urban development, digital modernization, and social projects in Lower Saxony in a future-proof manner.
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