Is the housing benefit attachable?

If the money is already scarce anyway and creditors make their demands, debtors can quickly get into the brooder: if there is a seizure and if so, that is Housing benefit in danger? Because the latter should just help households with low incomes, whether as a tenant or ownerget better financially. Danger can also threaten housing benefits if, despite the social benefit, a stately sum suddenly goes into the account – this can also have consequences. If, for example, the housing benefit is paid – the next payments 2025 If you are already certain -some things have to be considered in doubt.

Is housing benefit protected on a accounting?

Housing benefit is a social benefit, This is how it is laid down in the Housing Gear Act. If you take a look at the first book in the Social Code, it quickly becomes clear: under Section 3 in the 54th paragraphwho deals with the attachment, it is said that claims for housing benefit are « unpassable » – but there is a slot that aims at exceptions.

What may sound comforting at first becomes more complex at second glance: How that State Working Group on debt counseling Hessen communicated, even the account can be attached if only housing benefit is received there. Namely, if it is a « normal » account. After a month, the bank must transfer everything to be found, including « all of the impedible benefits such as citizenship, social assistance, housing benefit or child benefit ».

In order to increase the garnishment protection, a so-called P-account is advised: this secures up to 1500 euros a month. Dem Federal Ministry of Justice According to the credit institution, every account holder can request that the guided payment account be converted into a P account without additional costs.

The Consumer center emphasizes that the conversion of “work income, pensions and social benefits are just as protected () as, for example, financial support from third parties”. If there is a account, you still have access to the protected allowances. After all, a problem could be on the Homepage of the city of Darmstadt informs that the allowance would be torn through the receipt of housing benefit. The solution: As a rule, the housing benefit can be released in addition to the allowance.

By the way: yourself Free the radio contribution as a housing benefit recipient To leave is not possible.

Housing benefit and attachment: Are there any exceptions?

Basically, the right to the housing benefit is not attachable, but there are the exceptions mentioned. So in the Social Code “Unless the attachment is due to claims, the subject of §§ 9 and 10 of the Housing benefit law are “. These in turn define which rental parts are decisive for the calculation of the housing benefit and what costs of financing are incorporated into the housing benefit calculation.

On another exception, one makes one dpa-Arche attentive: Lands housing benefit due to a longer processing time retrospectively on the accounta larger sum could be received directly with the first payment. Anyone who has a P account could be faced with the problem that the allowances stored there are exceeded and that creditors can thus attach the money. With the help of the certificate, you have to actively strive for an exemption at the respective authority. Here too, however, care would have to be taken when it comes to housing benefit, as Silke Rey Romero is cited by the NRW consumer center. Because « in certain cases, this certificate must issue a court ».

By the way: that Housing benefit contains the so -called climate componentwith which one is mainly taken into account.