Questions and answers about the Eigenheimrente 2027

Yes. Have your subsidy calculated and register. We also check whether you are already entitled to the housing bonus or the employee savings bonus today. These run through a second, normal home savings contract.

Under the new rules from 1 January 2028, if your contract allows it and your payouts in old age have not started yet. Then you can withdraw all or part of the money, at least €3,000, for buying, building, modernising or paying off your loan.

Then you receive your savings in old age as monthly payments. You can take up to 30 % at once. You keep the subsidy.

Yes. If you withdraw money for your home, you should live there until the amount has been fully taxed in old age. That takes 5 years from the start of your payouts. After that you may sell or rent it out. If you move out earlier, you keep the subsidy if you buy a new home of your own within the legal deadlines or pay the money into another subsidised contract. Otherwise the remaining amount is taxed at once. You do not have to pay back the subsidies for money used correctly.

You can lower or pause your contribution. €10 a month is enough for a subsidy. Do not cancel: then the state reclaims subsidies and tax benefits. Your advisor will find a solution with you.

Yes, with a second contract. The money from your employer goes into a normal home savings contract and brings the employee savings bonus. If you also pay in yourself there, the housing bonus can be added. Your own contribution for the Eigenheimrente goes into the subsidised contract.

It is paid for every year in which you receive child benefit (Kindergeld) for the child. After that your own subsidy remains.

No. We offer the subsidy only with a home savings contract, with a fixed interest rate and no market risk.

Contracts signed by 31 December 2026 keep the old rules. You can switch voluntarily. The switch cannot be undone and applies to all your contracts. If you sign a new subsidised contract from 2027, all your old contracts switch automatically. For married couples this can also affect the partner’s contract. We calculate both options with you first. If you have already used money from an old contract for your property, that part stays under the old rules, even after a switch.

Usually yes. Until now the contribution for the full subsidy depended on income: 4 in every 100 euros of the previous year’s income, at least €60 a year. People who earn very little and already have an old contract are therefore sometimes better off with it. Your advisor checks this with you.

Yes, in retirement. What is taxed is the money you used for your home, meaning your contributions and the subsidies. The tax office keeps a separate account for this. Under the new rules this amount is taxed over the 5 years after your payouts begin instead of, as before, up to age 85 and no longer grows by 2 percent a year. This applies to money you use for your home from 2028. We do not give tax advice. For your individual case, please ask your tax advisor.

Only if you use the money for something else, for example if you cancel and take it out. Then subsidies and tax benefits go back. If you use it for your home or as a pension, the subsidies are yours. The overview “The honest answer” above shows all cases.