Apply for a KfW subsidy loan
Low-interest KfW loans for home ownership, energy-efficient renovations, starting a business, or higher education—apply through your primary bank (primary bank principle).
Wo wohnen Sie?
Damit wir Apply for a KfW subsidy loan mit dem zuständigen KfW in Ihrer Stadt anzeigen können.
Oder Großstadt wählen:
Sie werden zur geführten Suche weitergeleitet – mit Kontaktdaten, Termin und nächsten Schritten für Apply for a KfW subsidy loan.
Quick answer
- 1
Documents you need
Identification card or passport · Form / Application
- 2
Responsible authority
The authority of your main residence
- 3
How to do it
In person or by post at the office
- 4
Costs
Kostenlos (Förderantrag)
How to proceed
- 1
Choose the right grant program
For example, the Homeownership Program, the ERP Start-up Loan.
- 2
Submit the application through your primary bank
KfW provides loans exclusively through banks and savings banks (the pass-through principle).
- 3
Loan Agreement and Disbursement
Upon approval by KfW through the customer's primary bank.
Responsible authority
The authority of your main place of residence is responsible.Find authority →
The essentials before applying
Who is eligible?
Individuals, entrepreneurs, and businesses, depending on the grant program.
Income limit
Processing time
Nationwide: approx. approx. 3 weeks
Success rate
approx. 75.0 % (estimate)
Most common mistakes
- •Application submitted directly to KfW rather than through the applicant's bank
- •Project started before the application was submitted
Common reasons for rejection
- •Insufficient creditworthiness
- •Application submitted only after the project began (for programs requiring an application before the start)
Alternatives
- Check related services in the application assistant
- Use social counselling before applying
If rejected
Read the decision carefully: often submitting missing documents or reapplying helps more than an objection.
Related services
Questions & Answers
Can the application be submitted directly to KfW?▼
No, KfW loans can only be applied for through your primary bank (primary bank principle).
Freshness & source
- Maintenance
- Continuously reviewed & updated
- Source
- Bundesministerium für Wirtschaft und Klimaschutz
- Data quality
- 100 %