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Apply for subsidies for owner-occupied residential property

With the provision of subsidies, your state can support you in the creation or modernization of a home or condominium. The dwelling must be intended for use by you and your household members.

You do not have a legal claim to funding for your project.

The following are funded:

  • the new building,
  • the acquisition,
  • the modernization
  • the energy-efficient modernisation of owner-occupied residential property


  • Households with at least one child who has not yet reached the age of 15,


  • Households that include at least one person with disabilities (persons with a degree of disability of at least 50 and persons in need of assistance and care with care level 2 or higher).

The prerequisite for eligibility is that your income and the income of the members of the household do not exceed income limits set in accordance with state law.

Funding is provided in accordance with state law by granting non-repayable grants and/or low-interest loans.

Process flow

  • You submit the application for a loan for property promotion to the housing promotion office responsible for your place of construction (Hanover region, districts, independent and large independent cities as well as independent municipalities)
  • There you will find all application forms and further information
  • The procedure from the application to the funding decision is based on numbers 45 to 47 of the Housing Promotion Regulations (WFB)


  • The applicant is not only temporarily resident in Germany and is able to run an independent household for a longer period of time.
  • The current expenses for owner-occupied residential property can be borne in the long term.
  • In addition, when promoting new construction and acquisition, the household must live in inadequate housing conditions
  • In the case of new construction projects, the applicant must own a suitable building plot.
  • In the case of modernization, the living space must meet the generally accepted housing needs after modernization.
  • In the case of energy-efficient modernisation, the level of a new building must be achieved on the basis of the EnEV (KfW Efficiency 100).
  • An equity share of usually 15% of the total costs is to be included in the financing of the property. Personal contributions can be credited.
  • Funding is provided with initially interest-free loans
  • The funding conditions in detail can be found on the website of the Investitions- und Förderbank Niedersachsen

What are the fees?

As a rule, there are no costs for the consultation and application.

  • For loans, a one-time processing fee of 1% of the approved loan amount is charged.
  • For grants, a one-time processing fee of 0.75% of the approved loan amount is charged.

Processing duration

A final decision on funding applications is to be made within three months.

Technically approved by

Lower Saxony Ministry for the Environment, Energy, Building and Climate Protection

competent Bodies

Landkreis Emsland - Fachbereich Besondere Leistungen
Address: Herzog-Arenberg-Straße 12, 49716 Meppen
Telephone: 05931 44-0
Fax: 05931 44-3621
Transport Connection:
Station Haltestelle Kreishaus
Bus: 993

Building Access
elevator available, wheelchair-accessible


Stephanie Thiering
Telephone: 05931 44-6318
118, Kreishaus III
responsible for:

Data protection information

Landkreis Emsland
Address: Ordeniederung 1 , 49716 Meppen
Postal address: Post Office Box 15 62 , 49705 Meppen
Telephone: 05931 44-0
Fax: 05931 44-3621
Transport Connection:
Station Haltestelle Kreishaus
Bus: 993

Building Access
elevator available, wheelchair-accessible
bank account:
recipients: Landkreis Emsland
bank: Emsländische Volksbank
IBAN: DE26266600600120050000
recipients: Landkreis Emsland
bank: Sparkasse Emsland
IBAN: DE39266500010000001339
recipients: Landkreis Emsland
bank: Postbank Hannover
IBAN: DE36250100300012132306


Marc-André Burgdorf
responsible for:
Bernd Otten (Datenschutzbeauftragter)
Telephone: 05931 44-1605
Fax: 05931 44-391605
responsible for:

Landesbeauftragte für den Datenschutz Niedersachsen
Address: Prinzenstraße 5, 30159 Hannover
Telephone: +49 511 12045-00
Fax: +49 511 12045-99

Source: Serviceportal Niedersachsen (Portalverbund des Bundes und der Länder)