EOF - Income-orientated promotion in Bavaria
Income-orientated funding (EOF) is a housing policy funding instrument of the Free State of Bavaria that aims to create affordable housing for lower and middle-income households. The state supports private, municipal and non-profit developers in particular with low-interest loans, grants and long-term rental commitments.
Core elements of the EOF:
- Promotion of the construction and modernisation of rental flats
- Rent caps based on the tenant's income group
- Income-dependent subsidy amount: the lower the income of the future tenant, the higher the subsidy
- Commitment period generally 15 to 25 years
- Optional: EOF with combined subsidy through municipal grants
Advantages for building owners & investors:
- Long-term planning security thanks to fixed rents
- Interest subsidies & amortisation grants reduce the investment risk
- Attractive subsidy package with added social value at the same time
- Combination with other funding programmes (e.g. KfW, urban development funding) possible
For which tenants is EOF intended?
EOF flats are aimed at people and families whose income is below certain income limits. They are categorised into income groups (EG 1-3). The main beneficiaries are
- Single parents
- Families with children
- Senior citizens with a small pension
- People with disabilities
- Career starters and low earners
EOF in practice - our contribution:
In selected projects in Bavaria, we focus specifically on income-oriented funding in order to realise sustainable and social housing concepts.
Together with cities and municipalities, we create sustainable neighbourhoods that are economically viable and socially balanced.
Do you have questions about the EOF or are you looking for cooperation opportunities in subsidised housing construction?
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