Modernisation loan for barrier-free renovation: Secure your future in your own home
19 Jul 2025
7
Minutes
Katrin Straub
CEO at nextsure
Growing old in one's own home is a wish many have. However, barriers often stand in the way. A modernisation loan for the barrier-free renovation of the house can make this dream a reality.
The topic in brief and concise terms
A modernization loan often allows for barrier-free renovation without a land register entry for amounts up to 50,000 euros.
Combine the loan with government grants from the KfW (Programme 159) and the nursing care fund (up to 4,180 euros) to save costs.
Compliance with DIN 18040-2 is often a requirement for funding and ensures the quality of the renovation.
Why accessible housing is becoming increasingly important
The demographic shift in Germany is leading to an increasing demand for age-appropriate housing. Only about three percent of all disabilities are congenital; the vast majority are acquired over the course of life. This means that statistically speaking, almost everyone benefits from accessibility at some point. A modernisation loan for the barrier-free renovation of your house is therefore an investment in your own future. Currently, less than two percent of the total housing stock in Germany is classified as accessible. This gap between demand and supply makes early planning all the more important. A well-thought-out renovation not only secures your own mobility but also increases the value of your property. Financing is often easier than you might think.
The modernisation loan as a flexible financing solution
A modernization loan is specifically designed for the upgrading of properties and is often cheaper than a traditional instalment loan. For amounts up to 50,000 Euros, an entry in the land register is often not required, which speeds up the process and saves notary costs. The prerequisite is usually proof of property ownership and sufficient creditworthiness. This type of loan is ideal for financing targeted measures to increase accessibility. For example, you can cover the cost of installing a stairlift or redesigning the bathroom. The targeted use of such a loan enables necessary adjustments to be implemented promptly. The next question is which specific conversions are eligible for funding.
You can finance these renovation measures
The possibilities for reducing barriers in your own home are diverse and are often supported by loans and grants. The costs can vary greatly, but good planning helps keep your budget in check. Renovating for accessibility costs an average of 19,000 euros per apartment in existing properties. Here are some of the most common actions you can finance with a modernisation loan:
Installing a walk-in shower, which can cost between 4,000 and 6,000 euros.
Installing a stair lift, with prices ranging from 3,800 to 9,500 euros.
Widening doors to at least 80 centimetres for walkers or wheelchairs.
Fitting support and grab rails in bathrooms and corridors.
Creating threshold-free transitions to the balcony or terrace.
Installing automatic door openers to ease access.
These investments not only enhance comfort but also improve safety in daily life. Combining them with government funding programmes can significantly reduce the financial burden.
Intelligently combine funding and reduce costs
One of the most important sources for financing is the Kreditanstalt für Wiederaufbau (KfW). The programme 'Age-appropriate conversion - Credit (159)' offers loans of up to 50,000 euros per residential unit for measures to reduce barriers. This funding is independent of the applicant's age. Additionally, the care fund grants allowances of up to 4,180 euros per person for measures to improve the living environment if a recognised level of care is present. If two people in need of care live in the household, the allowance can even be applied for twice. Our expert tip: Always apply for grants before you start construction work or sign contracts. Careful planning and the right combination of credit and grants, as with energy-efficient refurbishment, are crucial for financial success. The next step is the concrete implementation of your application.
In five steps to a financed renovation
The path from the idea to implementing an accessible renovation can be systematically planned. A structured process helps maintain an overview and make the most of all funding opportunities. Generally, approval for a loan or grant takes between two and four weeks. Here is the best approach:
Analyse needs and gather quotes: Define the necessary measures and obtain at least two cost estimates from professional companies.
Apply for funding: Submit applications to the KfW or your nursing care fund before awarding contracts.
Secure financing: Finalise the contract for your modernisation loan once the grants are approved.
Have the renovation carried out: Hire the tradespeople and implement the planned measures.
Submit documentation: Submit the invoices to the bank and funding agencies to release the funds.
Careful documentation is the key to a smooth process. However, legal aspects should not be overlooked either.
Expert Knowledge: Legal and Financial Details in Construction
For a proper renovation, adherence to technical standards is crucial. The DIN 18040-2 is the fundamental standard for barrier-free construction in Germany and defines requirements for apartments. For example, it specifies how much manoeuvring space is needed in bathrooms and kitchens for wheelchair users. Considering this standard is often a prerequisite for receiving funding. Financially, you can benefit from a modernisation loan with lower interest rates compared to an unsecured instalment loan. The terms typically range from five to 15 years. There are also special offers for older applicants, such as the loan for pensioners. With proper planning, you ensure yourself a long-term independent life in your own home.
Request a personalised risk analysis now
An accessible renovation is an important precautionary measure. Equally important is the protection against unforeseen events. Have your insurance situation checked free of charge and receive specific optimization suggestions tailored to your new life situation.
More useful links
KfW provides detailed information on support for reducing barriers in existing properties for private individuals.
The Federal Funding Database presents the KfW support programme for age-appropriate conversion of properties.
Aktion Mensch offers comprehensive information on accessible construction and conversion of flats.
The Family Guide informs families about barrier-free construction and conversion in the context of severe disability.
The KfW explains the investment grant (Product 455) for age-appropriate conversion of existing properties.
Statista presents statistics on barrier-free living by age in Germany.
The Federal Statistical Office (Destatis) provides official data and information on disabled people in Germany.
The Federal Ministry of Labour and Social Affairs (BMAS) informs about the Federal Accessibility Initiative.
FAQ
What is the amount for a modernization loan for barrier-free renovation?
Banks often grant modernization loans up to an amount of 50,000 euros without the need for a land register entry. The KfW Program 159 also supports renovation with a loan of up to 50,000 euros per residential unit.
Can I combine subsidies?
Yes, in many cases a combination is possible. For instance, you can combine the KfW loan 159 with a subsidy from the care fund. However, it is not possible to have the same measure funded twice, for example, to have a stair lift subsidised both by the KfW and the care fund.
Do I need to be a certain age to qualify for KfW funding?
No, the KfW program 'Age-Appropriate Conversion' is explicitly not dependent on the age of the applicant. It promotes the reduction of barriers for greater living comfort at every stage of life.
What is the standard 'age-appropriate house'?
The KfW standard "Age-appropriate House" is met when access to the property as well as all essential living areas (living and sleeping rooms, kitchen, bathroom) are designed to be accessible and certain controls comply with the specifications.
What is DIN 18040?
DIN 18040 is the German standard for accessible construction. Part 2 (DIN 18040-2) specifies the technical requirements for accessible apartments, such as movement spaces, door widths, and the design of sanitary facilities.
When do I need to submit funding applications?
All applications for grants or promotional loans must be submitted before you begin the renovation or sign supply and service contracts. Retrospective funding is generally excluded.
