The Wohnungsbauprämie appears in the building savings plan as an additional monetary component. Before using it in a property financing, check whether the personal prerequisites, qualifying expenses and use actually match. The premium is neither the entire deposit nor an automatically payable amount at any time.
Use the correct income figure
§ 1 WoPG describes the personal entitlement to the premium with further requirements, including generally having reached the age of 16 or being a full orphan. § 2a specifies income limits of 35.000 euro or 70.000 euro for spouses in the legal sense. The taxable income of the savings year is decisive. [PERSON][EINKOMMEN]
Therefore do not uncritically compare gross salary or account inflows with this limit. Which figure applies in your case and whether the other requirements are met must be clarified on the basis of the actual circumstances. The special definition for spouses and life partners is set out in § 3 paragraph 3. [HOEHE]
Distinguish qualifying deposit and premium
§ 3 provides for ten per cent of the qualifying expenses. The annually qualifying expenses are limited to 700 euro or together 1.400 euro in the mentioned partnership. [HOEHE] From this, at full entitlement, a maximum of 70 or 140 euro premium for the savings year is calculated.
In the hypothetical single-person case 1.000 euro are deposited and all other requirements are assumed to be met. Ten per cent of the total deposit would be 100 euro. Due to the limit of 700 euro qualifying expenses, however, only 70 euro result. Multiple contracts do not increase the personal maximum amount; consolidation must be observed in the premium procedure. [VERFAHREN]
Clarify the use in good time
§ 2 governs qualifying expenses and, for building savings contributions, conditions of housing-related use as well as certain exceptions and legacy contract rules. [VERWENDUNG] A blanket statement that every contract is freely usable without further conditions after seven years is therefore not sufficient.
Have the specific contract start, planned purpose of use and existing premium balance explained by the competent company. For the financing you need the actually available payout balance and its conditions. a future annual bonus not yet allocated is not an already available equity credit.
Treat the application as a separate step
§ 4 states for the application to the relevant company the end of the second calendar year following the savings year as the deadline in principle. [VERFAHREN] This site does not integrate an original form and does not check an individual application.
With clarified income, expense limit, contract use and actual availability you can categorise the funding component factually. The premium alone does not answer whether the savings contract and the later financing as a whole suit your housing project.