Job center team.arbeit.hamburg

Apply for loans in certain acute emergency situations

Prerequisites

• You demonstrably have an acute, one-off need which, by its nature, falls within the scope of everyday needs (standard needs).
• You cannot cover this need with the benefit provided for this purpose (citizen's allowance) or your assets.
• They have no other way to meet the demand (for example, through second-hand goods stores or clothing stores).
• Your need is demonstrably unavoidable. This applies if you have the need
  • cannot postpone and
  • cannot be offset with the next benefits to cover the standard needs.

Documents required

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

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

Please note

• If you have assets, you must use them first to finance the expenditure.
• Depending on the circumstances, the Jobcenter may commission its field staff to examine and determine your needs

Deadlines

No

Procedure

• If possible, please contact your contact person at the Jobcenter.
• You submit an application. You can also submit an informal application. You can obtain a form from your local job center, if available.
• You submit your application with all supporting documents to your job center.
• The job center will review your application and documents.
• You will receive a notification from the Jobcenter regarding the decision on your application (approved or rejected).
• Typically, the loan amount is transferred to your account.
  • This is usually different, for example, in the case of electricity debts with a threatened power cut. In this case, the loan amount is generally transferred directly to your utility company.
• You will be informed in writing how you must repay the loan and how it will be offset in your specific case. Repayment begins the month following the loan disbursement.
  • If you continue to receive benefits, the loan will be offset against your benefit entitlement each month:
    • For a loan: 10 percent of your standard needs (the relevant standard needs level)
    • In the case of multiple loans: a maximum of 30 percent of your relevant standard needs (the relevant standard needs level).

Processing time

Up to 6 months

Fees

There are no costs associated with having an account.




If you don't have an account, you will receive a payment order for a cash payment (ZzV-Bar). This is a check. However, this will incur costs that will be deducted directly from your benefit entitlement. Since the costs for the payment order can vary, please contact your local job center for more information. You can have the check paid out in cash. Payments are made exclusively through Postbank branches. ZzV-Bar is a payment method offered by Postbank AG, the use of which has been specifically agreed upon between the Federal Employment Agency and Postbank.

Legal remedies

• contradiction


• summary proceedings before the social court


• Complaint before the social court

Legal basis

Section 24 paragraph 1 of the Second Book of the Social Code (SGB II)


https://www.gesetze-im-internet.de/sgb_2/__24.html


Section 37 paragraph 1 of the Second Book of the Social Code (SGB II)


https://www.gesetze-im-internet.de/sgb_2/__37.html


Section 42a paragraphs 1, 2, 4 and 6 of the Second Book of the Social Code (SGB II)


https://www.gesetze-im-internet.de/sgb_2/__42.html