How is the cargo subsidy calculated?

Living has become increasingly expensive in recent years. The costs can be a major burden, especially for households with low incomes. If you can hardly do this financially, you should therefore check whether a Right to housing benefit consists. It is a Social benefit – Not only for tenants, but also for owners who live in their property themselves. The Housing benefit For owners, according to the Federal Ministry of Living, Urban Development and Building (BMWSB) referred to as a load subsidy. Read how it is calculated here.

By the way: who Apply for housing benefit I would like to – whether tenants or owners – shouldn’t be on the page online-wohngeld.de make. The Consumer advice center warns of rip -off.

Housing benefit for owners: What is the load subsidy used for?

According to the BMWSB, the load subsidy is one Form of housing benefit, especially for owners It is intended that live in your house or apartment. In contrast to housing benefit for tenants, the service is therefore not used for rent, but for other expenses in connection with the housing costs.

According to the Ministry, these costs can be taken into account:

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• Loan costs: Interest and repayments for loans that were included in the construction, acquisition or improvement of residential property.
• Maintenance and operating costs: According to the BMWSB, a flat rate of 36 euros per square meter of living space is calculated a year.
• Property tax: The annual property tax depends on various factors.
• Administrative costs: Costs incurred for the administration of residential property.
• Insurance contributions: Dem Association of residential property According to insurance companies that affect your own property – for example, residential building insurance – are also taken into account.
• Heating costs: Certain heating costs can also be taken into account.

So that owners can get the load subsidy, certain income and assets must not be exceeded. There is also no one Right to housing benefit Or the load subsidy if other services are already obtained that should cover the housing costs. According to the BMWSB, this includes Citizens’ allowanceBasic security in old age or in the event of disability, Bafög And the vocational training allowance.

Calculate housing benefit: How high is the cargo subsidy for property?

The Height of the housing benefit Or the load surcharge is calculated individually and, according to the BMWSB, depends on various factors. These are:

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• Number of household members
• Height of the financial burdens
• Total income of all household members

Wealthy owners are not entitled to performance. According to the Association of Home Property, the property limit this year is 60,000 euros for the applicant and 30,000 euros for each other person living in the household.

However, the exact calculation of the housing benefit for property is very complex and detailed. Therefore offer themselves Residential calculator like that of the BMWSB.