Question 1

What is KfW 124 "Wohneigentumsprogramm"?

Accepted Answer

The KfW 124 program offers low-interest loans up to €100,000 for purchasing or building your first owner-occupied home. It targets individuals and families acquiring property for the first time.

Question 2

Who can apply for KfW 124?

Accepted Answer

Any individual buying or building their first owner-occupied property can apply for KfW 124. There are no income limits, but the property must be self-occupied.

Question 3

How does split financing work?

Accepted Answer

Split financing combines up to €100,000 KfW loan (at lower interest rates) with a standard bank loan for the remaining amount. This significantly reduces total interest costs.

Question 4

Can I combine KfW 124 with other subsidies?

Accepted Answer

Yes, KfW 124 can be combined with other KfW programs (e.g., energy-efficient construction) and regional funding programs. Consult your bank about the possibilities.

Question 5

How do I apply for KfW 124?

Accepted Answer

KfW loans are not applied for directly with KfW, but through your house bank. The bank submits the application to KfW and processes the financing.

KfW 124 Loan Comparison

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KfW 124 Split Financing

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