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Source: BUS Sachsen-Anhalt (Linie6PLus)

Applying for loans in certain acute emergencies


If you receive unemployment benefit II or social benefit, a lump sum of money will be taken into account for the standard requirement. In addition to the current requirements, this flat-rate standard requirement also includes requirements arising at irregular or large intervals. The amount of the standard requirement depends on the assigned standard requirement level, which depends on your age and family situation.

The standard requirement covers the following requirements in particular:

  • Nutrition
  • Clothing
  • Personal hygiene
  • Furniture
  • household energy excluding the shares attributable to heating and hot water production, and
  • personal needs of daily life (including participation in social and cultural life in the community).

If, due to special circumstances, you need more money for your everyday needs in the short term than the standard requirement for your individual case, and you can neither pay nor postpone these costs yourself, the job center grants you an interest-free loan for the irrefutable need on application.

There is an undeniable need,

  • if it cannot be deferred and therefore a loan is unavoidable to avoid an acute emergency situation, and
  • it cannot be expected that you will be able to compensate for this need with the next benefits to cover the standard requirement (unemployment benefit II or social benefit).

Examples include:

  • necessary repairs,
  • necessary purchases (for example, new winter clothing for growing children),
  • the imminent blocking of the power supply (household electricity) due to so-called "new debts", unless you can avert the power cut in another way, for example by agreeing an installment payment with the utility company,
  • theft or loss, and
  • Apartment or house fire.

You must apply for the loan separately and you must prove the irrefutable need. If you have assets, you must first use them to finance the expenses. Depending on the situation, the job center can also instruct its field service to determine the need.

The job centre may also decide that you will receive benefits in kind instead of money. The amount of the loan then corresponds exactly to the value of the required needs.

You must use the loan appropriately. The job centre may require proof of this (for example, proof of purchase).

You must repay the loan. If you continue to receive benefits under SGB II in the future, the loan will be offset monthly against your entitlement to benefits:

  • For 1 loan: in the amount of 10 percent of your standard requirement (the relevant standard requirement level)
  • In the case of several loans: a maximum of 30 percent of your relevant standard requirement (the relevant standard requirement level).

How the loan is offset in your specific case will be explained to you in writing. The repayment begins from the month following the disbursement of the loan.

In order to get the loan, you must apply for it at your job center, including online.

  • If possible, please contact your contact person at the job centre.
  • Submit an application. You can also submit an informal application.
  • Submit your application with all supporting documents to your job centre.
  • The job centre will examine your application and your documents.
  • You will receive a notification from the job centre about the decision on your application (approved or rejected).
  • As a rule, the loan amount will be transferred to your account. This is usually different, for example, in the case of electricity debts with imminent power cuts. The loan amount is then generally transferred directly to your utility company.

You can find the job centre responsible for you via the service finder on the website of the Federal Employment Agency.

In order to get the loan from the job center, you must prove that:

  • you have an acute, one-off need, which by its nature is one of the everyday needs (standard requirement),
  • you cannot compensate for this need with the benefit provided for this purpose (unemployment benefit II or social money) and you have no assets,
  • you have no other way to meet the demand (for example, via second-hand goods warehouse or clothing store) and,
  • the need is undeniable. This is true:
    • if you cannot postpone it, and
    • You cannot balance the demand with the next benefits to cover the standard requirement.

Evidence that and to what extent there is an irrefutable need, for example

  • theft report,
  • Estimate or order for repairs, and/or
  • current account statements

You do not have to bear any costs if you have an account. If you do not have an account, you will receive a payment instruction for a cash payment (ZzV-Bar). That's a check. However, this will incur costs that will be deducted directly from the service to which you are entitled. Since the amount of the costs for the payment order can vary, please inform yourself about this at your local job center. The cheque can be paid out in cash. Payment is made exclusively via Postbank branches. The ZzV-Bar is a means of payment of Postbank AG, the use of which has been separately agreed between the Federal Employment Agency and Postbank.

Forms available: Depending on the job center
Written form required: No
Informal application possible: Yes
Personal appearance required: No
Online services available: Yes

You will receive any form offered by the local job centre.

The technical instructions of the BA only bind the job centres, which are managed in the form of a joint institution (gE) of the Federal Employment Agency and the local municipal authority (municipality or district). In this respect, supervision is incumbent on the Federal Ministry of Labour and Social Affairs (BMAS).

In addition, there are job centers that are run as approved municipal carriers (zkT) (so-called option municipalities). In this respect, supervision is the responsibility of the respective Länder.

The text was automatically translated based on the German content.

Federal Ministry of Labour and Social Affairs (BMAS)

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