Apply for a freight subsidy
A subsidy to help cover monthly expenses for owner-occupied housing (the equivalent of housing assistance for renters).
How to proceed
- 1
Submit an application to the housing assistance office
Along with proof of income and monthly expenses (interest, principal payments, and utilities).
- 2
Verification of the load calculation
The housing assistance office reviews income and eligible expenses.
- 3
Notice of Approval
Permits are generally valid for 12 months; after that, an application for renewal is required.
Required documents
- Land Registry ExtractMandatoryOften forgotten
Proof of ownership of the owner-occupied property.
- Loan documentsMandatory
Bank statement of interest for the purpose of calculating the eligible interest expense.
Responsible authority
The authority of your main place of residence is responsible.Find authority →
Fees
Varies by case
Processing time
approx. 1 months
Official: max. approx. 1 months
Online application
Online possible – at the responsible authority
Common mistakes
- • Mortgage calculation is incomplete (interest, principal payments, and maintenance costs are missing)
- • Land registry extract not included
Common reasons for rejection
- • Income exceeds the limit
- • Already receiving other transfer payments that include housing costs
You can usually file an objection against a rejection.
The essentials before applying
Who is eligible?
Low-income owners of owner-occupied housing.
Income limit
Depending on household size and the rent tier for the place of residence.
Processing time
Nationwide: approx. approx. 1 months
Success rate
approx. 62.0 % (estimate)
Most common mistakes
- •Mortgage calculation is incomplete (interest, principal payments, and maintenance costs are missing)
- •Land registry extract not included
Common reasons for rejection
- •Income exceeds the limit
- •Already receiving other transfer payments that include housing costs
Alternatives
- Check related services in the application assistant
- Use social counselling before applying
If rejected
File a written objection within 30 days – with reasons why the decision is wrong and any missing evidence.