Eligible persons
Funding is granted to persons of legal age residing in Liechtenstein who hold Liechtenstein citizenship or citizenship of a contracting party to the European Economic Area, or who have the same status on the basis of intergovernmental agreements. On the basis of an intergovernmental agreement, Swiss nationals are also eligible for funding.
Applicants and their spouses who each individually or jointly already own family-sized residential property in Liechtenstein are excluded from a subsidy.
Income level
If the other requirements are met, the subsidy funds are granted if the income, which results from the average of the past two years, does not exceed CHF 100,000 . The income is composed of the total income (excluding debit income of the assets) and one-twentieth of the net assets, if this exceeds CHF 150,000. Alimony payments are deducted from the total income. In the case of married applicants, only the income of the spouse who earns the higher income is taken into account. The income limit increases by CHF 5,000 for each minor child. Court-separated and divorced applicants with maintenance or custody obligations are treated the same as married applicants. If the income exceeds the set amount, the subsidy funds are reduced by 10% for every CHF 1,000 of additional income.
The government may adjust the income limits to inflation by ordinance.
One time promotion
Subsidy funds may only be paid once to the same persons including spouses. It is possible to transfer the subsidy funds still owed to a new property when changing home ownership provided that the new property complies with the legal requirements.
Divorced or judicially separated persons who have already received subsidy funds are eligible again if the subsidized property has been transferred to the divorced or separated partner.
Use by the applicant
Funded properties must be intended for the permanent residential use of the applicant and, if applicable, his/her family members (spouse, registered partner and children). Outside use is not permitted. Vacancy may be tolerated for up to one year.
Until the loan has been repaid in full, the property cannot be sold. A rental is not permitted without approval from the Office of Building and Zoning.