Title:
Baukindergeld: A German government support programme for families buying their first home
Baukindergeld was a German government support programme aimed at families seeking to purchase their first owner-occupied home.
The programme provided €1,200 per year for each child over a period of ten years, i.e. a total of €12,000 per child. (hypofriend.de)
To qualify for Baukindergeld, applicants had to meet the following conditions:
Have at least one child under the age of 18 in the household and receive Kindergeld (child benefit) for that child.
The purchase contract for the property or the building permit had to be signed between 1 January 2018 and 31 March 2021.
The property had to be used as the family’s own residence and not as an investment or rental property.
The applicants must not own any other residential property in Germany at the time of application.
The annual household income could not exceed:
€90,000 for a family with one child,
with the income limit increasing by €15,000 for each additional child.
The application had to be submitted within six months of moving into the new home.
The final application deadline was 31 December 2023 – after this date, no new Baukindergeld applications can be submitted.
Although Baukindergeld has ended, there are still other support schemes available for families in Germany in 2025. (kfw.de)
A KfW funding programme that offers low-interest loans for families with medium incomes to build or purchase new homes or apartments.
The maximum annual household income is €90,000 for a family with one child.
This income cap increases by €10,000 for each additional child. (azury.one, bau-welt.de)
A programme designed to encourage young families to buy and renovate older existing properties.
It provides low-interest loans of up to €150,000, on condition that the building’s energy efficiency is improved. (urbyo.com)
Several federal states – such as Bavaria and North Rhine-Westphalia – offer additional regional support programmes for families.
These can include direct grants, subsidised loans or discounts on land prices, for example cheaper municipal building plots. (azury.one)
Baukindergeld was paid out over ten years, provided that the family continued to live in the property throughout the support period.
If the property was sold or rented out during this period, payments were discontinued.
The programme was open to all nationalities, as long as applicants had legal residence status in Germany.
The editorial team behind this website strives to provide accurate information based on thorough research and multiple sources. Nevertheless, errors may occur or some details may not be fully confirmed. For this reason, please treat the information in these articles as an initial reference only and always consult the competent authorities or professional advisors for binding and up-to-date guidance.
