If you receive citizen's allowance, a lump sum is taken into account for your standard needs. In addition to current needs, this flat-rate standard requirement also includes needs that arise at irregular or long intervals. The amount of the standard requirement is based on the assigned standard requirement level, which depends on your age and your family situation.

The standard requirement covers the following needs in particular:

• Food,
• clothing,
• personal hygiene,
• household effects,
• household energy, excluding the share of 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 at short notice for your everyday needs than the standard requirement for your individual case provides for and you can neither pay these costs yourself nor postpone them, the Jobcenter will grant you an interest-free loan for the unavoidable need on application.

An unavoidable need is given

• if it cannot be postponed and a loan is therefore unavoidable to avoid an acute emergency situation and
• it cannot be expected that you will be able to offset this need with the next benefits to cover the standard need.

Examples of this are

• Necessary repairs,
• necessary purchases (e.g. new winter clothing for growing children),
• the threat of the electricity supply (household electricity) being cut off due to so-called "new debts", unless you can avert the electricity cut-off in another way, for example by agreeing an installment payment with the utility company,
• theft or loss and
• fire in your home or apartment.

You must apply for the loan separately and you must always provide proof of unavoidable need. If you have assets, you must first use them to finance the expenses. Depending on the circumstances, the Jobcenter can also commission its field service to determine your needs.

The Jobcenter can 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 for the intended purpose. The Jobcenter can request proof of this (e.g. 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 against your benefit entitlement on a monthly basis:

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

How the loan is offset in your specific case will be explained to you in writing. Repayment begins in the month following payment of the loan.