The federally owned KfW-Bankengruppe (Kreditinstitut für Wiederaufbau) offers loans and grants to private individuals for barrier-free conversion and construction of living space.
Programme number 159 is a low-cost loan for the barrier-free conversion of living space. Financing of up to 100 percent of the eligible investment costs is possible, up to a maximum of EUR 50,000 per housing unit. Private individuals, housing companies and housing cooperatives as well as tenants can apply for the loan in consultation with the landlord or landlady. The respective house bank handles the processing and disbursement of the loan.
KfW also pays investment grants for barrier-free construction (number 455-B). The grant can be applied for directly from KfW.
However, the two subsidy programmes, investment grant 455 and loan 159, cannot be combined.
In addition, there are other banks that grant promotional loans (e.g. NRW.Bank).