Living with a Child
If you are a family with a child planning to build or buy a house or condominium in Baden-Württemberg, you can receive a low-interest loan ranging from €15,000 to €100,000 with a term of 25 or 35 years. Applications can be submitted at any time before the start of the project through your local bank.
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Grant criteria
Funding objective
Support for private households with at least one minor child in the acquisition of owner-occupied residential property in Baden-Württemberg through long-term, low-interest loans for new construction or purchase.
Eligible expenses
- Land including incidental costs (notary and broker fees, real estate transfer tax)
- Development costs (e.g. local improvement contributions)
- Construction costs (excavation, shell construction, finishing)
- Ancillary construction costs (surveying, architectural services, structural engineering, permits)
- Outdoor facilities (e.g. paths, garden, garage, fence)
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Non-eligible expenses
- Holiday homes and apartments, weekend houses or second homes
- Rented or commercial premises
- Debt restructuring and refinancing of already completed projects
- Installation of independent fossil fuel boilers from 01.01.2025
Eligible to apply
- Individuals
Funding requirements
- Natural persons with at least one minor child
- Total positive income ≤ €200,000 (for single parents ≤ €100,000)
- Primary residence in the funded residential property in Baden-Württemberg
- Child born at the time of application and still a minor
- Own residential property must be self-occupied
Documents required for application
- Product information sheet Living with Child
- Program information sheet Living with Child
- Application form WF_1004
- Product-specific data protection notices
Description
The "Living with Children" loan in Baden-Württemberg is aimed at households with at least one minor child and supports the construction or purchase of owner-occupied residential property. The Baden-Württemberg State Development Bank (L-Bank) grants long-term, low-interest loans ranging from €15,000 to €100,000 with terms of 25 or 35 years and optionally interest-only start-up years. This allows financing of up to 100% of eligible costs, including land costs with incidental expenses, construction and ancillary construction costs, development costs, as well as modernization, repairs, and outdoor facilities. From 01.01.2025, the installation of independent fossil fuel heating systems is also excluded.
Eligible applicants are natural persons (married couples, civil partnerships, single parents) with a positive income of up to €200,000 (for single parents €100,000) and a primary residence registered at the subsidized property. The application must be submitted before the project start via the applicant’s house bank or any credit institution under the house bank procedure. Among other documents, the product information sheet, program leaflet, and form WF_1004 must be submitted. The L-Bank refinances the loan through KfW and additionally grants an interest subsidy. Thus, families in Baden-Württemberg benefit from attractive conditions on their way to homeownership and can plan and realize their housing project securely.
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