{"id":3396,"date":"2025-10-30T10:27:04","date_gmt":"2025-10-30T10:27:04","guid":{"rendered":"https:\/\/www.krakelee.org\/?page_id=3396"},"modified":"2026-04-19T07:54:43","modified_gmt":"2026-04-19T07:54:43","slug":"darlehen","status":"publish","type":"page","link":"https:\/\/www.krakelee.org\/en\/darlehen\/","title":{"rendered":"Member loans"},"content":{"rendered":"<div class=\"wp-block-columns alignfull has-text-color has-link-color wp-elements-053f1edb7d7b022b140cadb921d79f8f is-layout-flex wp-container-core-columns-is-layout-42554db9 wp-block-columns-is-layout-flex\" style=\"color:#35233b;padding-right:24px;padding-left:24px\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-text-color has-background has-link-color has-large-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.krakelee.org\/en\/mitfinanzieren\/\" style=\"background-color:#35233b\">back to overview<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignfull has-text-color has-link-color wp-elements-0d662298fd658bed4bd27b343d909026 is-layout-flex wp-container-core-columns-is-layout-42554db9 wp-block-columns-is-layout-flex\" style=\"color:#35233b;padding-right:24px;padding-left:24px\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<h2 class=\"wp-block-heading alignfull\">Support krakelee club by granting a member loan!<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-large-font-size\" style=\"line-height:1.6\">Auch sogenannte \u00bbqualifizierte Nachrangdarlehen\u00ab helfen krakelee sehr \u2013 bei uns hei\u00dfen sie Mitgliederdarlehen. Damit sind Geldbetr\u00e4ge gemeint, die Genoss*innen der krakelee eG direkt leihen. Das Geld gibst du der krakelee eG, um damit den Club aufzubauen und den Betrieb zum laufen zu bringen. Dabei steht nicht die hohe Verzinsung deiner Einlage im Vordergrund, sondern dein wertsch\u00e4tzendender Beitrag zu unseren solidarischen Werten\u2013 eine echte Werteanlage (unser Leitbild). Um uns ein Darlehen zu geben, musst in der Genossenschaft mindestens einen Anteil gezeichnet werden.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<div style=\"height:80px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignfull has-text-color has-link-color wp-elements-7577758fafe7f74ee5ea54142e709db3 is-layout-flex wp-container-core-columns-is-layout-42554db9 wp-block-columns-is-layout-flex\" style=\"color:#35233b;padding-right:24px;padding-left:24px\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<h2 class=\"wp-block-heading alignfull\">Conditions<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list has-large-font-size\">\n<li><strong>Membership:<\/strong> You have to become a member of the co-op in order to be able to give krakelee eG a member loan<\/li>\n\n\n\n<li><strong>Minimum amount: <\/strong>starting from<strong> 500\u20ac<\/strong>&nbsp;\u2013 small loans are helpful too<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 1%<\/li>\n\n\n\n<li><strong>Term:<\/strong> The loan is linked to a fixed term, which we\u2019ll agree on with you individually.<\/li>\n\n\n\n<li><strong>Early repayment:<\/strong>&nbsp;Possible at any time.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<div style=\"height:80px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignfull has-text-color has-link-color wp-elements-a2d557b2f16b9275490d27dfa98b632e is-layout-flex wp-container-core-columns-is-layout-42554db9 wp-block-columns-is-layout-flex\" style=\"color:#35233b;padding-right:24px;padding-left:24px\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<h2 class=\"wp-block-heading alignfull\">Process<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<ol class=\"wp-block-list has-large-font-size\">\n<li>Become a co-op member<\/li>\n\n\n\n<li>Read the loan agreement\/contract<\/li>\n\n\n\n<li>Arrange an appointment via&nbsp;<a href=\"mailto:finanzierung@krakelee.org\" target=\"_blank\" rel=\"noreferrer noopener\">finanzierung@krakelee.org<\/a><\/li>\n\n\n\n<li>Conclude a loan agreement with krakelee eG<\/li>\n<\/ol>\n\n\n\n<p>Please note that we cannot and are not allowed to provide legal advice. In case of doubt, you should seek professional legal counsel.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-text-color has-background has-link-color has-large-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/cloud.krakelee.org\/s\/fjomzRB6tfp78sE\" style=\"background-color:#35233b\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Darlehensvertrag runterladen<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-large-font-size\">For further questions, check out our Financing FAQ, or contact the Finance Working Group. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-text-color has-background has-link-color has-large-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.krakelee.org\/en\/faq\/#finanzierung\" style=\"background-color:#35233b\">View FAQ Financing<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-text-color has-background has-link-color has-large-font-size has-custom-font-size wp-element-button\" href=\"mailto:finanzierung@krakelee.org\" style=\"background-color:#35233b\">finanzierung@krakelee.org<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<div style=\"height:80px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignfull equal-height stack-1000 is-layout-flex wp-container-core-columns-is-layout-a59ee56a wp-block-columns-is-layout-flex\" style=\"margin-top:24px;margin-bottom:24px;padding-right:24px;padding-left:24px\">\n<div class=\"wp-block-column equal-height stack-1000-169 is-layout-flow wp-container-core-column-is-layout-aceb6f81 wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;flex-basis:75%\">\n<div class=\"wp-block-columns equal-height stack-781 is-layout-flex wp-container-core-columns-is-layout-c8ffa67f wp-block-columns-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70vw\">\n<div class=\"wp-block-cover has-custom-content-position is-position-bottom-right clickable-cover blockcover-hover has-xx-large-font-size wp-duotone-unset-1\" style=\"border-radius:40px;margin-top:0;margin-bottom:0;padding-top:24px;padding-right:40px;padding-bottom:24px;padding-left:40px;min-height:320px;aspect-ratio:unset;\"><img data-dominant-color=\"545240\" data-has-transparency=\"false\" style=\"--dominant-color: #545240;\" loading=\"lazy\" decoding=\"async\" width=\"893\" height=\"524\" sizes=\"auto, (max-width: 524px) 100vw, 524px\" class=\"wp-block-cover__image-background wp-image-4005 size-full not-transparent\" alt=\"\" src=\"https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/esche-lila-klein.webp\" data-object-fit=\"cover\" srcset=\"https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/esche-lila-klein.webp 893w, https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/esche-lila-klein-800x469.webp 800w, https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/esche-lila-klein-768x451.webp 768w, https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/esche-lila-klein-18x12.webp 18w\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-contrast-background-color has-background-dim-10 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-c84ae2a1 wp-block-cover-is-layout-constrained\">\n<a href=\"https:\/\/app.coopx.org\/coops\/YmxkazK8bJ0P\/register\/\" class=\"cover-link\" target=\"blank\" ><\/a>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-right h2-variant-a has-base-color has-text-color has-link-color wp-elements-58e77d11326bb493cb158f32c29dbeae\">Become a co-op member now!<\/h2>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:45%\">\n<div class=\"wp-block-cover has-custom-content-position is-position-bottom-right clickable-cover blockcover-hover cover-fill has-base-color has-text-color has-link-color has-xx-large-font-size wp-elements-c31a6120da9e3e5c9535510e0ce66ce2 wp-duotone-unset-2\" style=\"border-top-left-radius:40px;border-top-right-radius:40px;border-bottom-left-radius:40px;border-bottom-right-radius:40px;margin-bottom:0px;padding-top:24px;padding-right:40px;padding-bottom:24px;padding-left:40px;min-height:240px;aspect-ratio:unset;\"><img data-dominant-color=\"5d3d56\" data-has-transparency=\"false\" style=\"--dominant-color: #5d3d56;\" loading=\"lazy\" decoding=\"async\" width=\"1288\" height=\"888\" sizes=\"auto, (max-width: 337px) 100vw, 337px\" class=\"wp-block-cover__image-background wp-image-3830 size-full not-transparent\" alt=\"\" src=\"https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/ginko-02-1.webp\" data-object-fit=\"cover\" srcset=\"https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/ginko-02-1.webp 1288w, https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/ginko-02-1-800x552.webp 800w, https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/ginko-02-1-768x529.webp 768w\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-contrast-background-color has-background-dim-0 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-container-core-cover-is-layout-e8cb3565 wp-block-cover-is-layout-flow\">\n<a href=\"https:\/\/share.krakelee.org\/satzung\" target=\"blank\" class=\"cover-link\"><\/a>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-right h2-variant-a\">Statute<\/h2>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column no-stretch-1000 is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-cover has-custom-content-position is-position-bottom-right clickable-cover blockcover-hover cover-fill has-base-color has-text-color has-link-color has-xx-large-font-size wp-elements-e80a055c617185e1eb6b60141d4c030c wp-duotone-unset-3\" style=\"border-top-left-radius:40px;border-top-right-radius:40px;border-bottom-left-radius:40px;border-bottom-right-radius:40px;padding-top:24px;padding-right:40px;padding-bottom:24px;padding-left:40px;min-height:240px;aspect-ratio:unset;\"><img data-dominant-color=\"706f74\" data-has-transparency=\"false\" style=\"--dominant-color: #706f74;\" loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"1108\" sizes=\"auto, (max-width: 250px) 100vw, 250px\" class=\"wp-block-cover__image-background wp-image-3825 size-full not-transparent\" alt=\"\" src=\"https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/hibiskus-01-1.jpg\" data-object-fit=\"cover\" srcset=\"https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/hibiskus-01-1.jpg 1600w, https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/hibiskus-01-1-800x554.jpg 800w, https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/hibiskus-01-1-768x532.jpg 768w, https:\/\/www.krakelee.org\/wp-content\/uploads\/2025\/11\/hibiskus-01-1-1536x1064.jpg 1536w\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-contrast-background-color has-background-dim-0 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-container-core-cover-is-layout-e172ab10 wp-block-cover-is-layout-flow\">\n<a href=\"https:\/\/cloud.krakelee.org\/s\/siptFAN8rPCySNQ\" target=\"blank\"  class=\"cover-link\"><\/a>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-right h2-variant-a\">Mission statement<\/h2>\n<\/div><\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Was sind Mitgliederdarlehen? Auch sogenannte \u00bbqualifizierte Nachrangdarlehen\u00ab helfen krakelee sehr \u2013 bei uns hei\u00dfen sie Mitgliederdarlehen. Damit sind Geldbetr\u00e4ge gemeint, die Genoss*innen der krakelee eG direkt leihen. Das Geld gibst du der krakelee eG, um damit den Club aufzubauen und den Betrieb zum laufen zu bringen. Dabei steht nicht die hohe Verzinsung deiner Einlage im [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-3396","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.krakelee.org\/en\/wp-json\/wp\/v2\/pages\/3396","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.krakelee.org\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.krakelee.org\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.krakelee.org\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.krakelee.org\/en\/wp-json\/wp\/v2\/comments?post=3396"}],"version-history":[{"count":51,"href":"https:\/\/www.krakelee.org\/en\/wp-json\/wp\/v2\/pages\/3396\/revisions"}],"predecessor-version":[{"id":5296,"href":"https:\/\/www.krakelee.org\/en\/wp-json\/wp\/v2\/pages\/3396\/revisions\/5296"}],"wp:attachment":[{"href":"https:\/\/www.krakelee.org\/en\/wp-json\/wp\/v2\/media?parent=3396"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}