Housing bonus 2025: How to secure up to €140 in funding!

Housing bonus 2025: How to secure up to €140 in funding!

The housing bonus (WoP) is an important state subsidy that has supported building savings contracts since its introduction in 1952. The aim of this bonus is to build up equity for the purchase, construction or modernization of living space. The state grants 10% of the annual payments into the building savings contract as a bonus, with the upper limit being a maximum of €70 for singles and €140 for couples. A deposit of €700 or €1,400 is required.

In order to receive the housing grant, applicants must meet certain requirements. These include, among other things, that you are subject to tax in Germany, have reached the minimum age of 16 and the building savings contract must run for at least seven years. In addition, an annual deposit of at least €50 is required. The taxable income may not exceed certain limits: for singles this is €35,000, while married couples can earn up to €70,000. It is also important that the bonus must be actively applied for; it is not granted automatically.

Application of the bonus

The money from the housing bonus may only be used for residential purposes. This includes, among other things, the purchase or construction of a home, a building plot or energy-related renovation measures on existing properties. Improvements such as increasing energy efficiency or accessibility are also eligible. There are clear funding conditions, especially for building savings contracts that have been concluded since 2009. Applications for the premium can usually be made through the building society, which provides the relevant forms.

A key point is that the bonus is not paid out in cash, but is credited to the building savings account. The bonus can be applied for retroactively up to two years after the end of the savings year. If the usage regulations are not adhered to, the premium represents a risk as it can be reclaimed. However, building savers have good reasons for concluding a building savings contract: the premium not only increases the profitability of the contract, but can also be used to finance the necessary closing fees of 1 to 1.6 percent of the building savings amount.

Advantages of building savings

The advantages of a building savings contract are clear. While the building interest rates are lower compared to traditional real estate loans, building savers require less additional capital from the bank, which in many cases leads to better interest rates. This makes saving money for later building financing more attractive not only for future homeowners, but also for people who want to modernize their existing property. A building savings contract proves to be particularly useful if the capital saved is used to fulfill the residential purposes that are supported by the housing bonus.

Overall, it shows that the housing bonus is an effective instrument for promoting housing construction and improving living conditions in Germany. ftd.de emphasizes that this premium makes a decisive contribution to the creation of equity. Additional information baufi24.de about the further advantages of combining building savings contracts and state funding.