GERMANY

Bavarian state grant of up to €60,000 for doctors (up to €20,000 for psychotherapists) who open a contracted practice in a municipality of 20,000 inhabitants or fewer; branch practices up to €15,000.

PromiseDoctors can get up to €60,000 to open a practice in rural Bavaria.

What it takesPractice must be kept and actively run for at least 60 months and fit the regional needs plan; application within six months of the reference date; listed specialties only.

Municipal grant for young couples (one partner under 45) and families buying a house at least 25 years old to live in: up to €1,500 toward a building survey plus €700–1,500 a year for 5 years depending on children.

PromiseThe town pays you every year for five years for buying and living in an old house instead of building new.

What it takesNo legal entitlement and subject to the annual budget; you must register the house as your main residence within a year and payments stop when you move out.

Federally interest-subsidised KfW loan of €140,000–180,000 (from 3 Aug 2026) for families with children buying an energy-inefficient (class F, G or H) existing home in Germany to live in and renovate.

PromiseA near-zero-interest loan of up to €180,000 to buy and fix up an old German house for your family.

What it takesIt is a loan, not a grant, capped at the purchase price; the home must be renovated to Efficiency House 85 EE (or listed individual measures) within 54 months or the interest rate rises. Applies only to first-time owners with a child under 18 and taxable household income ≤ €90,000 (+€10,000 per extra child).