IB‑Sachsen‑Anhalt IB‑Förderdarlehen (rates published 30 July 2026) — how to apply for the 0.90% nominal option, combine with KfW aid and avoid timing traps in Magdeburg & Halle

What changed and who this guide is for

On 30 July 2026 the Investitionsbank Sachsen‑Anhalt (IB) published new standard conditions for its IB‑Förderdarlehen (Wohneigentumsprogramm). The IB lists a nominal rate of 0.90% p.a. for the 10‑year fixed‑rate option with a 30‑year annuity schedule; this tariff is marked "Gültig ab: 30. Juli 2026" on the IB website. ([ib-sachsen-anhalt.de](https://www.ib-sachsen-anhalt.de/de/privatpersonen/immobilien-wohnen/ib-foerderdarlehen-wohneigentumsrichtlinien))

This note explains, step by step, how to apply for the 0.90% option as an owner‑occupier or investor, how to approach combining the state loan with KfW programmes, and the common timing traps to check when buying property in Saxony‑Anhalt cities such as Magdeburg and Halle. It is general information only — for legal, tax or personalised financing advice, consult a German notary (Notar) and your mortgage adviser or tax adviser.

Step‑by‑step: apply for the 0.90% nominal option

1) Confirm eligibility and rate variant. The IB page shows two standard variants: 0.90% (10‑year fixed rate) and 1.70% (20‑year). Decide you want the 10‑year option before you sign any financing commitment. ([ib-sachsen-anhalt.de](https://www.ib-sachsen-anhalt.de/de/privatpersonen/immobilien-wohnen/ib-foerderdarlehen-wohneigentumsrichtlinien))

2) Download the forms. The IB publishes the Mantelantrag, specific annexes for acquisition or modernisation, an income declaration and a checklist on the same page. Prepare the income annex, SCHUFA authorisation and identity documents listed. ([ib-sachsen-anhalt.de](https://www.ib-sachsen-anhalt.de/de/privatpersonen/immobilien-wohnen/ib-foerderdarlehen-wohneigentumsrichtlinien))

3) Timing: apply before you begin the works; for purchase projects the application must be submitted before the start of the project and at the latest immediately after conclusion of the notarial purchase contract. That timing requirement is explicit in the public programme description. ([foerderdatenbank.de](https://www.foerderdatenbank.de/FDB/Content/DE/Foerderprogramm/Land/Sachsen-Anhalt/ib-wohneigentumsprogramm.html?utm_source=openai))

4) Work through your Hausbank. The IB‑loan process uses a financing bank (your mortgage provider) to submit the application and confirm the bank‑side financing statements. The IB documentation includes an "Erklärung der Hausbank" form to be completed. Ask your bank to lodge the IB application together with the standard mortgage application. ([ib-sachsen-anhalt.de](https://www.ib-sachsen-anhalt.de/de/privatpersonen/immobilien-wohnen/ib-foerderdarlehen-wohneigentumsrichtlinien))

5) After approval: submit the Auszahlungsantrag (payout request). The IB requires a payout form once the loan is approved and the contractual conditions are met; read the IB checklist to match invoicing and dates. Allow the bank–IB processing time for condition checks and disbursement scheduling. ([ib-sachsen-anhalt.de](https://www.ib-sachsen-anhalt.de/de/privatpersonen/immobilien-wohnen/ib-foerderdarlehen-wohneigentumsrichtlinien))

Practical point: treat the 0.90% option as a product variant, not an automatic default. State the desired rate choice in your application and confirm the rate and Zinsbindung in writing from the IB or via your Hausbank before you sign loan documents with the seller or builder.

Stacking IB with KfW: what is allowed and how to sequence

KfW programmes (for example the KfW Wohneigentumsprogramm, credit no. 124) are generally combinable with state funding, provided the sum of public support does not exceed the eligible project costs and the specific state programme does not expressly exclude combination. The KfW documentation and KfW partner guidance make this rule explicit. ([kfw.de](https://www.kfw.de/inlandsfoerderung/Privatpersonen/Bestandsimmobilien/Finanzierungsangebote/Wohneigentumsprogramm-%28124%29/?utm_source=openai))

Practical sequencing: before you apply to KfW or to the IB, ask both the KfW‑partner bank and the IB (or your Hausbank) for a written statement that the two programmes can be used together for your file. Some state programmes exclude particular federal bonuses; where that happens you must choose the single best package. Local banks are used to structuring combined packages, but require early confirmation because KfW approvals or BEG/Zuschuss decisions can be conditional. ([kfw.de](https://www.kfw.de/inlandsfoerderung/Privatpersonen/Bestandsimmobilien/Finanzierungsangebote/Wohneigentumsprogramm-%28124%29/?utm_source=openai))

If you want both a KfW loan and the IB 0.90% product: (a) decide which elements fund purchase price vs. renovation/efficiency work; (b) request compatibility confirmation in writing; (c) have your Hausbank lodge both applications in parallel so security (Grundschuld) and payout sequencing can be planned.

Common timing traps to check in Magdeburg and Halle

Local buyers in Saxony‑Anhalt often encounter the same practical timing issues; the following are the typical checks to run before you sign or schedule disbursements:

- Municipal pre‑emption (Vorkaufsrecht): many German cities reserve a municipal right to buy in certain designated areas. Whether the city will exercise that right is a local administrative decision — ask the notary to confirm whether a Vorkaufsrecht could apply to the property and check the city’s official website or the land registry file. (This guide does not state a city’s current exercise policy; check with the city administration.)

- Building permit and permit start dates: IB requires the application before works start; if municipal permits are delayed, the financing timeline and disbursement schedule can slip. Coordinate permit dates with your bank and the IB payout request. ([ib-sachsen-anhalt.de](https://www.ib-sachsen-anhalt.de/de/privatpersonen/immobilien-wohnen/ib-foerderdarlehen-wohneigentumsrichtlinien))

- Grundbuch timing and Auflassungsvormerkung: registration order and timing between notarial signing and entry in the Grundbuch affects when lenders can take security and when IB payouts are released. Ask your notary to confirm the expected Grundbuch schedule and to notify your bank immediately when the Vormerkung is entered.

- Parallel approvals for combined funding: when you combine IB and KfW support, an approval from one may be conditional on the other. Get written confirmation of sequence and conditionality and plan for short contingencies in the purchase contract (e.g. financing/approval conditions). ([kfw.de](https://www.kfw.de/inlandsfoerderung/Privatpersonen/Bestandsimmobilien/Finanzierungsangebote/Wohneigentumsprogramm-%28124%29/?utm_source=openai))

When in doubt, insert explicit financing conditions in the notarised purchase contract and instruct your notary to check for municipal pre‑emption and for the expected Grundbuch entry timetable.

Quick checklist before you sign

• Confirm 0.90% variant in writing from IB or via your Hausbank. ([ib-sachsen-anhalt.de](https://www.ib-sachsen-anhalt.de/de/privatpersonen/immobilien-wohnen/ib-foerderdarlehen-wohneigentumsrichtlinien)) • Provide the IB forms: Mantelantrag, income annex, SCHUFA and bank declaration. ([ib-sachsen-anhalt.de](https://www.ib-sachsen-anhalt.de/de/privatpersonen/immobilien-wohnen/ib-foerderdarlehen-wohneigentumsrichtlinien)) • Ask IB/Hausbank and KfW for written compatibility confirmation if you plan to combine programmes. ([kfw.de](https://www.kfw.de/inlandsfoerderung/Privatpersonen/Bestandsimmobilien/Finanzierungsangebote/Wohneigentumsprogramm-%28124%29/?utm_source=openai)) • Ask the notary to check for municipal Vorkaufsrecht and to estimate Grundbuch timing. • Put a financing/approval condition and an explicit payout timetable into the purchase contract if there’s any doubt.