IB.SH 2026 — Immo‑Eigentum and Soziale Wohnraumförderung: €100,000 owner‑occupied loans, 0,00 % tranches and the 2027 pre‑qualification deadlines

What these programmes are and who runs them

Schleswig‑Holstein’s Investitionsbank (IB.SH) operates two related routes relevant to buyers in 2026: the bank’s retail product bundle branded “IB.SH Immo‑Eigentum” and the state’s Soziale Wohnraumförderung for Eigentumsmaßnahmen (promotion of owner‑occupied housing). IB.SH acts as the operative Förderbank and distributes the state’s programme money under rules set in the Wohnraumförderungsrichtlinien (WoFöRL). ([ib-sh.de](https://www.ib-sh.de/unser-angebot/fuer-banken-sparkassen/immobilienkunden-eigennutzung/?utm_source=openai))

Both routes aim to increase affordable, self‑used housing in Schleswig‑Holstein. Immo‑Eigentum is the bank’s product for private buyers and financing partners; the Soziale Wohnraumförderung is the state programme under which particularly favourable loans and, in some cases, grants are offered. The state and IB.SH coordinate the criteria and the calendar for annual funding rounds. ([ib-sh.de](https://www.ib-sh.de/unser-angebot/fuer-privatpersonen/mietimmobilie-kaufen/?cHash=0a81ac816100e86c6cb6d651c526de37&tx_news_pi1%5Bcontroller%5D=News&tx_news_pi1%5BcurrentPage%5D=4))

Key money and rates: the €100,000 cap and 0,00 % tranches

For owner‑occupied measures (Eigentumsmaßnahmen) the IB.SH publishes dedicated product information and an application form; the bank’s material and the programme documents state that eligible applicants can request Förderdarlehen up to €100 000 for self‑used housing, and that certain tranches may be offered with an initial interest rate of 0,00 % p.a. (plus any administrative fees where applicable). These conditions are set out in the programme documentation and the IB.SH product literature. ([ib-sh.de](https://www.ib-sh.de/fileadmin/user_upload/downloads/produkt_informationen/soziale-wohnraumfoerderung-fuer-eigentumsmassnahmen.pdf?utm_source=openai))

That 0,00 % figure applies to specific categories and contractual tranches created under the Wohnraumförderung rules; it is not an unconditional market mortgage rate. Always read the product PDF and the loan terms: the effective cost may include administrative charges and conditions on duration, tilgung (repayment) and combination with KfW or housebank loans. ([ib-sh.de](https://www.ib-sh.de/fileadmin/user_upload/downloads/produkt_informationen/soziale-wohnraumfoerderung-fuer-eigentumsmassnahmen.pdf?utm_source=openai))

Exact 2027 pre‑qualification calendar and what investors must submit

The state laid out the calendar for Förderjahr 2027 in a public guidance document. Key fixed dates are: start of Vorqualifizierung on 1 June 2026; municipalities must submit their Kommunale Vorhabenliste by 1 September 2026; investors must deliver the required documents to IB.SH no later than 30 September 2026; and a selection decision is expected end of November / early December 2026. If you are seeking funding for 2027, these are firm administrative cut‑offs. ([schleswig-holstein.de](https://www.schleswig-holstein.de/DE/landesregierung/themen/planen-bauen-wohnen/wohnen/Kommunen/SozialeWohnraumfoerderung-Kommunen/_documents/fh_kriterien_sozialeWohnraumfoerderung))

For Vorqualifizierung IB.SH requires at least: project information (cost estimate, number of units and floor areas split by funded versus market‑financed), up‑to‑date municipal confirmation of local need, inclusion in the Kommunale Vorhabenliste and financial information on the future borrower. Projects that pass Vorqualifizierung are the only ones eligible for the later selection stage; only then follows the ARGE‑Erstgespräch and the formal application window. ([schleswig-holstein.de](https://www.schleswig-holstein.de/DE/landesregierung/themen/planen-bauen-wohnen/wohnen/Kommunen/SozialeWohnraumfoerderung-Kommunen/_documents/fh_kriterien_sozialeWohnraumfoerderung))

Programme boundaries, capacity and selection criteria

The state confirmed that the Soziale Wohnraumförderung for 2027 will remain at the recent record funding level: together with federal funds, Schleswig‑Holstein is making approximately €400 million available for 2027. Selection favours distribution across regions, municipal priorities (the Vorhabenliste order) and waiting times; the programme generally funds projects with a maximum 70 % Förderquote and only the rule standard (Erleichtertes Bauen). Minimum and maximum unit counts apply (typically at least six and up to 80 funded units in a project). High demand means approval is competitive, not automatic. ([schleswig-holstein.de](https://www.schleswig-holstein.de/DE/landesregierung/themen/planen-bauen-wohnen/wohnen/Kommunen/SozialeWohnraumfoerderung-Kommunen/_documents/fh_kriterien_sozialeWohnraumfoerderung))

After a project is selected for the formal procedure, investors normally have four weeks to submit a full Förderantrag and then six months to firm up the project so that a funding commitment and a start of construction in 2027 are realistic. Those timing rules make early contact with IB.SH and the municipality essential. ([schleswig-holstein.de](https://www.schleswig-holstein.de/DE/landesregierung/themen/planen-bauen-wohnen/wohnen/Kommunen/SozialeWohnraumfoerderung-Kommunen/_documents/fh_kriterien_sozialeWohnraumfoerderung))

Practical checklist for foreign buyers and investors

1) Make contact with IB.SH early; present project summary and financing plan. IB.SH lists a Mietwohnungsbau team and direct contacts for private investors. ([ib-sh.de](https://www.ib-sh.de/unser-angebot/fuer-privatpersonen/mietimmobilie-kaufen/?cHash=0a81ac816100e86c6cb6d651c526de37&tx_news_pi1%5Bcontroller%5D=News&tx_news_pi1%5BcurrentPage%5D=4))

2) Work with the municipality to secure a positive Kommunale Stellungnahme and ensure the project is on the Kommunale Vorhabenliste before 1 September 2026. The municipality must submit the list to the ministry; only municipalities file the Vorhabenliste. ([schleswig-holstein.de](https://www.schleswig-holstein.de/DE/landesregierung/themen/planen-bauen-wohnen/wohnen/Kommunen/SozialeWohnraumfoerderung-Kommunen/_documents/fh_kriterien_sozialeWohnraumfoerderung))

3) Assemble the Vorqualifizierungsunterlagen and deliver them to IB.SH by 30 September 2026: cost estimate, unit counts, floor areas, borrower financials and the municipal confirmation. Expect competition; a successful Vorqualifizierung only allows you to proceed to the next selection steps at year‑end. Read the IB.SH product PDF and the WoFöRL text for exact terms and administrative charges. ([schleswig-holstein.de](https://www.schleswig-holstein.de/DE/landesregierung/themen/planen-bauen-wohnen/wohnen/Kommunen/SozialeWohnraumfoerderung-Kommunen/_documents/fh_kriterien_sozialeWohnraumfoerderung))

4) For contract‑level questions (tax, notary, local planning), consult a German notary, tax advisor and the municipality’s planning office — this article does not give personalised legal, tax or investment advice.