KFW 159: Aging Population Adjustment Programme

In Germany, the KfW 455 program offers a unique opportunity for homeowners to fund barrier-free home refurbishments, making properties more accessible for individuals with disabilities or limited mobility.

Eligibility for the KfW 455 program is open to homeowners, landlords, and private individuals in Germany. To be eligible, the renovation projects must focus on improving accessibility, such as installing ramps, widening doors, modifying bathrooms, or adding lifts. The property must be a residential building or part of one, and the renovations must comply with the standards for barrier-free construction as defined by KfW guidelines.

The KfW 455 program combines a low-interest loan with a non-repayable investment grant. The loan amount can be up to a certain percentage of eligible costs, with a maximum of €50,000 per residential unit under the KfW program 159. The grant covers a portion of the eligible renovation costs, often around 10–12.5%.

The loan terms typically include fixed interest rates for a period, such as 10 years, and flexible repayment options. Financing is often offered for renovation measures that increase accessibility for the elderly or disabled residents.

Homeowners can enjoy various repayment benefits, such as up to 1 to 5 years without repayment at up to 30 years of loan term. Additionally, a 0.15% monthly readiness provision is charged for the not yet drawn-down loan amount after 12 months.

Eligible renovation measures under the KfW program 159 include refurbishment measures on paths to buildings, entrance modifications, overcoming stairs, room restructuring, bathroom area refurbishments, help systems, common room restructuring, achieving the "Barrier-Free Home" standard, expert consultation, and specialized company implementation. The refurbishment of heated non-residential floors to barrier-free residential floors is also eligible for funding. Preparatory work, follow-up measures, and restoration work are also eligible for funding under the KfW program 159.

It's important to note that the investment grant KfW 455 is subject to the availability of funds in the promotion pot.

For exact and up-to-date conditions, detailed eligibility, and application procedures, consult the official KfW website or contact a KfW authorized advisor because specific criteria and terms may vary or be updated.

The KfW 455 program was reactivated in October 2014 after being discontinued at the end of 2011. The program "Efficient Refurbishment" funds measures that reduce barriers and enhance living comfort for individuals in retirement and those with physical disabilities.

By taking advantage of the KfW 455 program, homeowners can reduce financial barriers for making their homes safer and more comfortable for occupants with mobility challenges or disabilities.

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