Anyone building or buying a home in Brandenburg can, since 2026, receive a grant of 10,000 euros plus an interest-free loan of up to 230,000 euros through the Investment Bank of the State of Brandenburg (ILB). The new home ownership funding guideline runs from 2026 to 2028.
For families the programme improved noticeably in 2026. The child bonus was doubled from 5,000 euros to 10,000 euros per child. We build from our base in Wildau across the wider Berlin area, and on almost every private new-build project we see that ILB and KfW funding can be stacked sensibly.
What the ILB actually funds
The core package has two components: a grant of 10,000 euros that you do not repay, and an interest-free loan of up to 230,000 euros. The loan runs through the ILB and is usually processed via your house bank.
The child bonus has a direct effect. Each child adds 10,000 euros in grant money. A family with two children therefore receives 30,000 euros in grants instead of 10,000 euros. Before 2026 it was 5,000 euros per child.
In certain situations there is additional funding:
- where a household member has a severe disability
- for barrier-free or low-barrier construction
- for listed heritage buildings
All components apply to owner-occupied housing. The grant and interest-free loan supplement your remaining financing through the house bank and noticeably lower the interest burden over the term.
New build, purchase or modernisation
The guideline covers two routes: the construction or purchase of owner-occupied housing, and the modernisation or repair of existing stock. The grant and loan ceiling are the same in both variants; the requirements differ.
| ILB New Build / Purchase | ILB Modernisation / Repair | |
|---|---|---|
| Grant | 10,000 euros | 10,000 euros |
| Interest-free loan | up to 230,000 euros | up to 230,000 euros, plus 20,000 euros for a purchase combined with modernisation |
| Child bonus | 10,000 euros per child | 10,000 euros per child |
| Requirement | Construction or purchase of owner-occupied housing in Brandenburg | Building constructed before 02 Oct 2009, modernisation costs at least 500 euros per m² of living space |
The extra 20,000 euro loan applies when you buy an existing building and modernise it in the process. The threshold of 500 euros per square metre of living space ensures the modernisation variant only kicks in for substantial works, leaving smaller repairs outside its scope.
How ILB and KfW complement each other
ILB and KfW can be combined because they cover different levels. The ILB provides the grant and an interest-free state loan, while the KfW contributes low-interest credit. For new builds, KfW 297/298 (Climate-Friendly New Construction) is relevant, with loans of up to 100,000 euros per residential unit and interest from around 0.6 percent for an Efficiency House 40.
Families with at least one minor child and a taxable income of up to 90,000 euros can additionally access KfW 300 (Home Ownership for Families) with loans of 170,000 to 220,000 euros. The details are covered in our article on KfW funding for new builds in 2026.
For the modernisation variant it is also worth looking at KfW 261 (BEG Residential Building Loan): up to 120,000 euros per residential unit with a repayment subsidy of 5 to 45 percent, depending on the efficiency house standard reached. The BEG budget was cut by around 58 percent in 2026, however. You should therefore check the availability of funds before applying.
If you buy and renovate an older property rather than building new, you can pair the ILB modernisation variant with KfW 308 (Young Families Buy Old). From 03 Aug 2026 the loan amounts there rise to 140,000 to 180,000 euros depending on the number of children, provided the building reaches at least Efficiency House 85 EE or Efficiency House Heritage EE within 54 months.
The key rule when combining: the same costs may not be funded twice. In practice the financing is split so that the ILB grant, the ILB loan and the KfW credit each cover different parts of the project. Which split gets the most out depends on income, number of children and the efficiency house standard. You will find an overview of the relevant programmes on our funding page.
Why the region matters here
ILB funding applies only to residential property in Brandenburg. Our office is at Hochschulring 33 in Wildau, right in the Schönefelder Kreuz regional growth core. We build in exactly the area this funding is intended for, within roughly 50 kilometres of Wildau.
In Königs Wusterhausen we delivered the turnkey envelope of the Funkerberg power plant. Anyone building in this region deals with the same building authorities and utility operators we have worked with for over 25 years.
Since we were founded in 1999 we have completed more than 300 projects in Berlin and Brandenburg, with our own engineers, certified foremen and bricklayers. For a funded home that means a single point of contact who coordinates shell construction, carpentry and fit-out. That keeps the build schedule predictable and secures the efficiency house standard that ILB and KfW require.
How to approach the application
The ILB advises on home ownership funding directly on 0331 660-1322. It makes sense to clarify the funding scope before the planning is fixed, so that the efficiency house standard and the cost split fit the funding from the outset.
The order matters: first the funding commitment, then the construction contract. We align the planning so that the building application and the funding application fit together, and we supply binding construction schedules your financing can be built around.
In a free initial consultation we check which combination of ILB and KfW suits your plot and your budget, and on request we handle planning, the building application and site management through to turnkey handover. The earlier you involve us, the more cleanly the funding can be built into the planning. Get in touch via our contact page or call us on +49 3375 95 09 70.
