The Intrasavings bank development loan for you

Not only savings banks, Volksbanks and other credit institutions can apply for loans,  the Intrasavings bank also grants loans. Unlike the numerous direct and branch banks, however, Intrasavings bank is a public-law institution and the loans granted are always earmarked, so they must not be used at will.

Who is Intrasavings bank?

Looking at the balance sheet total, Intrasavings bank is the third largest bank in Germany with 489.1 billion euros in 2014. It was founded in 1948 and today is the world’s largest national development bank.

It is subject to the legal supervision of the Federal Ministry of Finance and employs more than 5,500 people. In addition to its headquarters in Frankfurt am Main, Intrasavings bank has branches in Berlin, Bonn and Cologne as well as around 80 offices and representative offices around the world. Their goal is to meet the economic, social and environmental challenges of our time and to improve the living conditions worldwide. Their task is specifically to financially support business start-ups and medium-sized companies, but also to finance and promote infrastructure, housing and energy-saving projects, as well as projects related to environmental and climate protection. Their promotional volume in 2014 amounted to around € 74.1 billion.

How does Intrasavings bank work?

As a development bank, Intrasavings bank does not operate its own branches, but operates according to the transit principle. This is how it works: A customer submits a loan application to his / her house bank before investing. The bank reviews the application and – as a financing partner of Intrasavings bank – passes it on to Intrasavings bank, which refinances the loan with favorable interest rates. The bank then concludes the loan agreement with the customer and pays out the loan amount. Refinancing rates are always maximum interest rates that the bank may or may not pass on to its clients. It can also offer a lower interest credit if it waives part of its own margin. Some banks are taking advantage of this opportunity to offer their clients attractive loan offers or acquire new customers. However, the banks often attach this to certain conditions such as an additional loan from their home.

For whom and what does Intrasavings bank offer loans?

Intrasavings bank offers financial support in the form of loans and loans to private individuals, companies and public institutions. Specifically, Intrasavings bank supports medium-sized companies, business start-ups and freelancers with medium and long-term financing for start-ups, innovations, general corporate financing and projects in the field of climate and environmental protection. For private individuals, Intrasavings bank offers financing for energy-efficient construction and renovation, the reduction of housing stock and the creation of residential property. In addition, she invests in the education of young people, which she understands as financing future investments. Particularly popular, however, are Intrasavings bank’s construction loans and their funding programs for the energy-efficient renovation of older homes. In addition, public institutions are also funded and international financing taken over. The promotion of Intrasavings bank is usually independent of the age and marital status of the applicant.

Intrasavings bank Kredit for home equity financing and energy renovation

If you want to fulfill your dream of owning your own home and are looking for financing to buy or build your own home, you should consider the loan offers from Intrasavings bank. In fact, Intrasavings bank grants loans of up to EUR 50,000, whereby the amount of the subsidy depends on the energy efficiency of the new building. For the construction of a Intrasavings bank energy efficiency house, the interest rates are even cheaper, also the homeowners can take a repayment subsidy to the loan. Special repayments are also possible.

The energy-efficient refurbishment of older houses is being financed very cheaply by Intrasavings bank. Up to 75,000 euros are provided per person, the interest rate is negligible with about one percent. In addition, individual energy measures such as the insulation of the roof, the replacement of old windows or the renewal of the heating are promoted. The maximum loan amount for this is 50,000 euros. In addition, homeowners receive a repayment allowance for all refurbishment measures, meaning that they de facto cost the loan almost nothing in the first ten years.

Intrasavings bank Kredit for the age-appropriate conversion of existing real estate

In the face of demographic change, the demand for age-appropriate real estate is growing. Therefore, Intrasavings bank also promotes the age-appropriate / barrier-reducing conversion or the purchase of an age-appropriate converted property with loans of up to 50,000 euros. Again, the interest rate is just one percent and special repayments are possible. Regardless of whether you are interested in a grant or Intrasavings bank loan, the following applies: The receipt of the funding is subject to certain conditions. This includes, for example, that an approved expert must confirm after the renovation that the property now meets the standards of an efficiency house. When implementing individual energy actions, certain minimum technical requirements must be met. Experts therefore recommend that interested parties inform themselves at an early stage about the prerequisites for funding. We recommend a comprehensive consultation of a specialist, who not only shows the possibilities of energetic renovation, but also creates a profitability calculation. An energetic measure only makes economic sense if it is worthwhile and the costs do not exceed the benefits.

Incidentally, the various support programs can also be combined with each other. An example: A customer who buys an older house and wants to refurbish it energetically and modernize it in an age-appropriate way can theoretically use all three above-mentioned funding programs. The loan would then be no more than € 50,000 (from the home ownership program) plus € 75,000 (from the program for the renovation to the Efficiency House) plus € 50,000 (from the program for age-appropriate conversion), in total € 175,000.

Loans around the education


The promotion of education is the second focus of Intrasavings bank. Your most well-known promotional product in this area is the Intrasavings bank Student Loan. Postgraduate studies, first or second degree programs, doctorates and distance learning courses or semester abroad are funded – regardless of the field of study. The funding is independent of the income of the student and his parents and without collateral, the repayment is flexible and moderate. Further conditions for the grant: The student must be between 18 and 44 years old. He has to study part-time or full-time at a state-recognized university in Germany. In addition, Intrasavings bank also offers BAföG bank loans for financial support for the degree, a master BAföG, an educational loan (for training) and a Bavarian fee loan for extra-occupational Bachelor programs.

What else does Intrasavings bank promote? 

kfw loans

In addition to subsidies for private individuals and SMEs, Intrasavings bank also finances the municipal and social infrastructure in projects for urban barrier reduction, energetic urban renewal or municipal energy supply. Refinancing from other state promotional and credit institutions is also one of Intrasavings bank’s tasks. In addition, Intrasavings bank finances projects of major German and European companies with the aim of becoming and remaining competitive and competitive in international markets. These financings are aimed primarily at companies with a focus on export, infrastructure, climate and environmental protection and raw materials supply. Intrasavings bank also works together with governments in developing and emerging countries, advising and promoting them in reform processes and investments in order to sustainably improve the economic and social situation of local people, to reduce their poverty and to contribute to climate and environmental protection,

Combinations of bank and Intrasavings bank loans

Intrasavings bank loans are usually grants and subsidies combined with a conventional bank loan. There are certainly big differences in the terms of this combination financing. For example, banks sometimes demand so high interest rates themselves that the interest rate advantage of the Intrasavings bank loan expires. Therefore, you should always keep an eye on the terms of the blending operations and not just consider the interest rates of Intrasavings bank. The Stiftung Warentest and other consumer organizations take these mixed conditions at irregular intervals under the microscope and compare them.