Living allowance in the form of charge support: How owners receive financial support
Living allowance as charge support helps homeowners or flat owners with a low income to pay off their loan.
Whether you are entitled to it and how much depends on your income, the number of people in the household and the amount of the loan costs, i.e. the amortisation and interest.
To apply for charge support, a number of documents must be submitted, such as proof of income, an extract from the land register, the purchase contract and the loan agreement.
Charge support is usually granted for 12 months. After that, a new application must be submitted.
Charge support is a priority benefit within the meaning of SGB (Social Code) II and XII.
Find out quickly and easily if you are eligible for living allowance and how much you could receive.
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Start application!Rising rents are a major financial problem for many people. Homeowners or flat owners in particular often have to reckon with high accommodation costs. To make this easier, the state provides living allowance charge support in accordance with the Housing Benefit Act. This subsidy helps people on low incomes to finance their own four walls. You can find more information on the requirements, how to apply and what benefits are available here.
Living allowance is a state aid. It supports people on low incomes with their housing costs. It is given as a subsidy towards housing costs and is a state subsidy that does not have to be repaid. Half of the money is paid by the federal government and half by the respective federal state.
The living allowance charge support is for owners who own their own home or a condominium. This means that tenants cannot apply for charge support, but can apply for rent support instead. However, the calculation is the same. As an owner, you must live in your own home or condominium in order to receive charge support. You must also pay the costs of the loan and administration yourself.
The living allowance charge support is a type of support that is specifically intended for owners of houses or flats. Unlike rent support, which goes to tenants, this grant helps to reduce the cost of owning a property.
The aim of this state subsidy is to help people on lower incomes to buy and live in their own house or flat. In this way, the living allowance charge support helps to secure a livelihood and enables the "dream of home ownership" despite a low income.
The subsidy is also intended to help ensure equal opportunities on the housing market. With this financial relief, families and individuals can lead a good life and keep their own home even with high housing costs.
Living allowances can be divided into two groups: The rent support for tenants and the charge support for owners. Both types of living allowance have the same goal. They help people to pay their housing costs. However, there are some important differences.
One major difference is which costs are subsidised. The rent support helps to pay part of the monthly rent. The charge support, on the other hand, takes into account the costs of servicing the debt (interest on a loan) and the running costs of the home or condominium (such as property tax and insurance). This is why the charge support is usually higher than the rent support.
Not every owner automatically receives the living allowance charge support. In order to receive this transfer payment, certain conditions must be met.
Decisive factors for approval are income, the number of people in the household and the amount of the burden, such as the monthly loan instalment. However, the calculation is very complex, which is why we recommend using a housing benefit calculator.
Note: Unlike citizens allowance, living space has no influence on the housing allowance.
The income limits for living allowance charge support depend on the size of the household and where you live. As a general rule, if the total income of a household is lower, the chance of receiving living allowance is higher.
When calculating the total income, all income of the people in the household is taken into account. This includes wages, salaries, pensions and also money from investments or rental income.
You can use a living allowance calculator to see whether you meet the income limit for the living allowance charge support. Do you still need to apply for living allowance? With our housing allowance calculator from LeistungsLotse, you can quickly and easily check whether and how much living allowance you are entitled to. Check now!
In order to receive living allowance charge support, a written application must be submitted to the relevant housing allowance authority. The application can usually be submitted in person, by post or online.
It can take several weeks to process the application. It is recommended to submit the application in good time to avoid financial bottlenecks and to avoid losing a month. Payment is made retroactively from the date of application.
In order to process the application for living allowance charge support, the housing benefit authority requires various documents and evidence. These documents help to verify the identity, income, housing situation and ownership of the property.
The required documents are as follows:
Application for charge support
Copy of identity card or passport of all household members (including children)
Proof of income of all household members for the last twelve months or a certificate of income, pension statements or social benefits
Proof of ownership of the property, such as land register extracts or purchase contracts
Proof of the monthly charges for the property, such as loan agreements, interest and amortisation statements, property tax notices or insurance premiums
It is best to collect all relevant documents before submitting them, as the authorities will ask for them anyway. Missing documents and information can lead to delays in processing.
The application process is usually simple and can be completed in just a few steps.
The following procedure must be followed:
Complete the application form for living allowance charge support. This can either be found online on the website of the city or municipality, at the responsible housing benefit authority or submit the application with LeistungsLotse.
Please fill in the forms completely and correctly and enclose the relevant supporting documents
Submit the application and supporting documents to the housing benefit authority. This can be done in person, by post, via a contact form on the website of the city or municipality or with LeistungsLotse .
The processing time for the housing benefit application can vary. It depends on the completeness of the data and the capacity utilisation of the authority. As a rule, you will receive a written decision within 4-8 weeks after the month in which the application was submitted. LeistungsLotse will help you to submit a complete application.
In general, living allowances are available from the date of application. A retroactive application is only possible in certain cases, for example if your application for BAföG or citizens allowance was previously rejected. Then you can refer to the date of the previous application.
If there are changes to your income that are important for your housing benefit entitlement, you should inform the housing benefit office immediately. This includes, for example, new income, citizens allowance, basic income support or other transfer payments. If there is a change of more than 15%, you even have to inform the authority.
| Features |
Recommended
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Public Online Services | Other Private Services |
|---|---|---|---|
| Simple, comprehensible process | |||
| Eligibility assessment with calculator & guide | |||
| Digital transfer to responsible authority | |||
| No double data entry | |||
| Secure digital process with high data protection standards | |||
| All benefits in one portal |
With us, you can submit your application conveniently.
Start application!The living allowance charge support offers important financial support for property owners in Germany. It is important to understand the eligibility requirements, the application process and the differences to rent support. With the right preparation and the necessary documents, the application can be submitted successfully.
In addition, charge support can help to avoid financial bottlenecks in the long term and ensure that low-income households can maintain their home ownership. Particularly in times of rising housing costs, it provides valuable relief that can help owners to continue to hold on to and finance their property. It is therefore worth checking in good time whether an entitlement exists and taking the necessary steps to apply.
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