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NRW.BANK.Sustainable Living
Open

Loan
Last updated: 16.6.2025

The "NRW.BANK.Sustainable Living" program offers private individuals in North Rhine-Westphalia low-interest loans for the construction of new self-occupied residential properties, their renovation, or initial acquisition. It supports sustainable building projects and energy-efficient modernizations, which are verified by federal grants or sustainability certificates.

Who is funded?

The "NRW.BANK.Sustainable Living" program targets private individuals in North Rhine-Westphalia who wish to build, renovate, or acquire residential property for self-occupation for the first time. The goal is to promote sustainable living space.

What is funded?

Investments in sustainable new construction, renovation, or initial acquisition of self-occupied residential property in North Rhine-Westphalia are funded. This also includes specific costs such as architectural and planning services, while other costs are excluded.

Type and Scope of Funding

Funding is provided in the form of low-interest loans from NRW.BANK. The financing share varies depending on the project, with no minimum or maximum amounts set. The loans are flexible in term and fixed interest period.

Conditions and Requirements

Specific legal and financial conditions must be met for applying for and receiving funding, including proof of other efficiency or sustainability funding. Provisions for collateralization and non-acceptance also apply.

Application Procedure

The application for the NRW.BANK loan must be submitted via the house bank, with the process needing to be initiated before construction begins or purchase occurs. NRW.BANK commits to refinancing the house bank.

The legal basis of the "NRW.BANK.Sustainable Living" program is the NRW.BANK leaflet, which sets out the conditions for low-interest loans. Additionally, further federal and European directives and regulations are relevant, defining the framework for promoting sustainable living.

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Funding Overview

Maximum Amount

Maximum Amount:

up to 100% of eligible investment costs for renovation projects; up to 50% of eligible investment costs for new construction projects

Deadline

Deadline:

always open

Open Until

Open Until:

Ongoing

Award Channel

Award Channel:

Demand Driven Scheme

Region

Region:

North Rhine-Westphalia (Germany)

Sectors

Sectors:

Construction and Building Materials, Environmental and Climate Protection

Beneficiaries

Beneficiaries:

Housing Construction & Modernization

Funding Stages

Funding Stages:

Implementation, Infrastructure

Funding Provider

Program Level: Regional

Funding Body: NRW.BANK

Managed By: NRW.BANK

Additional Partners: KfW, LR, EIB (Refinancing)

Website: NRW.BANK