Wibank Hessen Loan Application Documents and Experiences

In the Hessian Housing Promotion Act relevant for funding, it states under §7 that only income changes expected within the next 12 months are decisive.

But well, since there is no legal entitlement to funding, the authority should have maximum discretion.

Without taking parental leave into account, it won't work for us...

I quote a part of §7 HWoFG: "(1) As annual income within the meaning of § 6, the annual income of the previous calendar year is regularly to be used as the basis. For this, the last income tax assessment notice, advance payment notice or the last income tax declaration is usually to be used as reference.

If the income situation according to sentence 1 no longer corresponds, not only temporarily, at the time of application according to §§ 11 or 17 to the actual or the income situation expected within twelve months, the current or expected income situation must be included in the income determination by extrapolating to an annual income.

Income changes, the start or extent of which cannot be determined, are disregarded."

That means salary increases are outside the consideration... Once the application is approved, no one wants anything from you anymore (as long as the installments are paid on time).

So the salary limit is a real final boss.
How is it with parental leave? There is no exact guideline, right? Which salary is taken into account if my wife is on parental leave when applying for a loan? The parental allowance or the potential salary of a part-time job in 1-2 years??

No. At the beginning of 2024 we still have one month of parental leave together, after that we will both work part-time. According to an employee from WI Bank (as of today) this is not a problem.