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Apply for building subsidy

Service Description

The Federal Ministry of the Interior, for Construction and Home Affairs (BMI) promotes owner-occupied residential property for families with children and single parents.

They can receive EUR 12,000 in construction child allowance for each child under the age of 18 for:

  • the new construction or purchase of owner-occupied houses or condominiums.

You do not receive a building child allowance:

  • if
    • all your children are 18 years and older or
    • your children no longer live in your household and
    • you are no longer entitled to child benefit.
  • if you have already received construction child benefit for another residential property,
  • if you already own a residential property,
  • for holiday/weekend homes and vacation apartments,
  • if residential property is transferred to you, for example through
    • (anticipated) inheritance,
    • testamentary disposition or
    • gift.
  • In the case of purchase or transfer of property between
    • spouses,
    • life partners or
    • partners in another permanent partnership.
  • In the case of purchase or transfer of property between relatives of a household member in a direct line, for example.
    • Children,
    • parents,
    • grandparents or
    • great-grandparents.
  • if you buy your home from a household member.

You can only get Baukindergeld if you do not exceed certain income limits:

  • in the case of families or single parents with one child: your taxable household income must not exceed EUR 90,000 per year
  • for families or single parents with several children: The limit is increased by EUR 15,000 in each case. Example: with two children, your taxable household income may amount to a maximum of EUR 105,000 per year (EUR 90,000 + EUR 15,000).

The Baukindergeld is paid as a subsidy:

  • For each eligible child under the age of 18: EUR 1,200 per year and
  • for 10 years.

For each additional eligible child, you will receive an additional EUR 12,000 in each of 10 years.

If you move out of your subsidized residential property

  • move out,
  • rent it out or
  • sell it,

you no longer meet the eligibility requirements. You must inform KfW Bankengruppe immediately in writing. You will then no longer receive the Baukindergeld.

You can apply for the Baukindergeld in the subsidy portal of KfW Bankengruppe.

Note
An application is only possible within the scope of available federal funds. There is no legal entitlement to a subsidy.

Process flow

You must submit the application for building subsidies online in the KfW subsidy portal.

  • Open the KfW grant portal. Click on "Registration for new customers". Fill out the registration form. Enter your first and last names exactly as they appear on your ID card or passport. Enter an e-mail address that you will use permanently. Your e-mail address will be stored as your user name and cannot be changed later on your own. Then set your individual password.
  • After completing the registration, you will receive an e-mail with a confirmation link. To complete the registration, click on the link within 7 days.
  • Log in to the KfW grant portal with your email address and password. Click on "Apply for grant now". Select the Baukindergeld grant and provide the required information. Submit the completed application.
  • You must now clearly identify yourself. Start the KfW grant portal. Click on "Identify now" to start the identification process. Select the procedure you prefer:
    • Online via video identification:
      During the video call, you will be personally assisted by employees of the contracted service provider (S-Markt & Mehrwert GmbH & Co. KG). Video identification must always be carried out using the IDNow app.
    • Identification at your post office branch via POSTIDENT:
      Print out the POSTIDENT coupon in the subsidy portal. Go to a Deutsche Post branch with the coupon and a valid identification document (ID card or passport). Deutsche Post will inform KfW Bankengruppe that identification has taken place. You will then receive an e-mail from KfW Bankengruppe to your e-mail address stored in the KfW grant portal.
  • You will receive a confirmation of your application from KfW. You will receive the application confirmation online via the KfW grants portal. You will find it under "My grant applications".
  • Upload the required documents in the KfW grant portal within 3 months after application confirmation.
  • You will receive an e-mail after the disbursement decision.
  • If the review is positive, you will receive the disbursement confirmation from KfW Bankengruppe. You will find the disbursement confirmation in the KfW grant portal under "My grant applications".
  • KfW Bankengruppe will transfer EUR 1,200 per child to you for 10 years, provided you continue to use your home or condominium yourself.
  • If KfW Bankengruppe rejects your application for child construction allowance or requests additional documents, you will also find this information in the KfW subsidy portal under "My subsidy applications".

Requirements

You can apply for the Baukindergeld if

  • you have become (co-)owner of owner-occupied residential property,
  • you are entitled to child benefit yourself or live in a household with the person entitled to child benefit,
  • there is at least one child living in your household who is younger than 18 years of age at the time of application and for whom there is a child benefit entitlement in the household.

Further requirements:

  • Your household income may not exceed EUR 90,000 per year for one child (maximum income limit). For each additional child under the age of 18 who is eligible for child benefits, your maximum income limit increases by EUR 15,000 each.
  • You must have signed the purchase contract for your residential property no earlier than Jan. 1, 2018. If you are building your own home, your building permit must have been issued no earlier than 1/1/2018.
  • Your new home or condominium must be located in Germany. Your nationality does not matter.
  • Your new home must be your only residential property at the time of application.
  • You have not yet received a Baukindergeld for another residential property.
  • At the time of application, all household members must be registered as primary or sole residents in the subsidized residential property.
  • The costs of your residential property excluding incidental acquisition costs must be higher than the subsidy from the Baukindergeld.

Notes
Whether you receive Baukindergeld and for how many children depends on your situation on the day of application. 2 examples:

  • You will also receive the full Baukindergeld for one child if he or she turns 18 on the day after you submit your application.
  • You will not receive Baukindergeld for children born after the date of application.

Which documents are required?

When submitting your application: You do not need to submit any other documents at first.

After KfW Bankengruppe has confirmed your application: you must submit the following documents online via the KfW grant portal:

  • Income tax assessment notices
    • of the second and third calendar year prior to receipt of the application, from you as the applicant and if available
    • of your spouse or partner living in the household or partner from a marriage-like community
  • official confirmation of registration: the confirmation of registration or certificate of registration must show the subsidized residential property as the main or sole residence of
    • you as the person submitting the application
    • of the children indicated in the application, and
    • of your spouse or partner or partner from a marriage-like community.
  • Land register extract: the land register extract must be
    • the address of your residential property,
    • you as (co-)owner and
    • the reason for the registration.
  • If required by KfW Bankengruppe, you may have to submit additional documents, such as a notarized purchase agreement or building permit.
  • As of January 22, 2021, the aforementioned documents must be submitted by all applicants on a mandatory basis.

Notes

  • The registration confirmation must contain the date of birth of the children.
  • If the land register entry is not yet available, you can initially provide proof with the priority notice of conveyance.

What are the fees?

  • none

What deadlines do I have to pay attention to?

  • Application submission: no later than 6 months after moving into the owner-occupied residential property.
  • Submission of required documents: within 3 months from the date of confirmation of your application by KfW Bankengruppe

Note
If you do not meet the deadlines, your entitlement to the Baukindergeld will expire.

Processing duration

  • for the review of your uploaded documents: about 3 weeks

Legal basis

Appeal

  • Forms: no
  • Online procedure possible: yes
  • Written form required: yes
  • Personal appearance required: no

Author

The text was automatically translated based on the German content.

The text was automatically translated based on the German content per DeepL.

Technically approved by

Federal Ministry of the Interior, for Construction and Home Affairs (BMI)

Professionally released on

12.03.2021

Source: Zuständigkeitsfinder Thüringen (Linie6PLus)

No competent authority found

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