Konditionenübersicht als HTML
Darlehenskonditionen Letztkreditnehmer (Stand: 02.05.2025)
- Maßgeblich ist grundsätzlich das Zusagedatum der LfA gegenüber der Hausbank -Soll- und Effektivzinssätze (in Klammern) nach Preisangabenverordnung (PAngV) in % p. a. Für die einzelnen Produkte (gegliedert nach Gesamtlaufzeit/Tilgungsfreijahre/Zinsbindung) sind die maximalen Zinssätze nach Preisklassen A bis X des risikogerechten Zinssystems (RGZS) angegeben (weitere Informationen finden Sie hier).
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<h2>Gründungs- und Wachstumskredit – Gründungsvorhaben (GK5)</h2><p> Auszahlung: 100 %. Haftungsfreistellung von 60 % möglich, ausgenommen Laufzeiten 2/2/2 und 12/12/12 </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>2/2/2 Jahre</td><td>2,30<br />(2,32)</td><td>2,70<br />(2,73)</td><td>3,00<br />(3,03)</td><td>3,50<br />(3,55)</td><td>4,10<br />(4,16)</td><td>4,80<br />(4,89)</td><td>5,30<br />(5,41)</td><td>7,80<br />(8,03)</td>
</tr>
<tr>
<td>5/1/5 Jahre</td><td>2,51<br />(2,53)</td><td>2,91<br />(2,94)</td><td>3,21<br />(3,25)</td><td>3,71<br />(3,76)</td><td>4,31<br />(4,38)</td><td>5,01<br />(5,10)</td><td>5,51<br />(5,62)</td><td>8,01<br />(8,25)</td>
</tr>
<tr>
<td>8/2/8 Jahre</td><td>2,88<br />(2,91)</td><td>3,28<br />(3,32)</td><td>3,58<br />(3,63)</td><td>4,08<br />(4,14)</td><td>4,68<br />(4,76)</td><td>5,38<br />(5,49)</td><td>5,88<br />(6,01)</td><td>8,38<br />(8,65)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>2,90<br />(2,93)</td><td>3,30<br />(3,34)</td><td>3,60<br />(3,65)</td><td>4,10<br />(4,16)</td><td>4,70<br />(4,78)</td><td>5,40<br />(5,51)</td><td>5,90<br />(6,03)</td><td>8,40<br />(8,67)</td>
</tr>
<tr>
<td>12/12/12 Jahre</td><td>4,61<br />(4,69)</td><td>5,01<br />(5,10)</td><td>5,31<br />(5,42)</td><td>5,81<br />(5,94)</td><td>6,41<br />(6,57)</td><td>7,11<br />(7,30)</td><td>7,61<br />(7,83)</td><td>10,11<br />(10,50)</td>
</tr>
<tr>
<td>15/1/15 Jahre</td><td>4,00<br />(4,06)</td><td>4,40<br />(4,47)</td><td>4,70<br />(4,78)</td><td>5,20<br />(5,30)</td><td>5,80<br />(5,93)</td><td>6,50<br />(6,66)</td><td>7,00<br />(7,19)</td><td>9,50<br />(9,84)</td>
</tr>
<tr>
<td>15/3/10 Jahre</td><td>3,21<br />(3,25)</td><td>3,61<br />(3,66)</td><td>3,91<br />(3,97)</td><td>4,41<br />(4,48)</td><td>5,01<br />(5,10)</td><td>5,71<br />(5,83)</td><td>6,21<br />(6,36)</td><td>8,71<br />(9,00)</td>
</tr>
<tr>
<td>20/3/10 Jahre</td><td>3,24<br />(3,28)</td><td>3,64<br />(3,69)</td><td>3,94<br />(4,00)</td><td>4,44<br />(4,51)</td><td>5,04<br />(5,14)</td><td>5,74<br />(5,86)</td><td>6,24<br />(6,39)</td><td>8,74<br />(9,03)</td>
</tr>
<tr>
<td>20/3/20 Jahre</td><td>4,87<br />(4,96)</td><td>5,27<br />(5,38)</td><td>5,57<br />(5,69)</td><td>6,07<br />(6,21)</td><td>6,67<br />(6,84)</td><td>7,37<br />(7,58)</td><td>7,87<br />(8,11)</td><td>10,37<br />(10,78)</td>
</tr>
</tbody>
</table>
<h2>Gründungs- und Wachstumskredit – Gründungsvorhaben im GuW-Fördergebiet (GK6)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 60 % möglich, ausgenommen Laufzeiten 2/2/2 und 12/12/12 </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>2/2/2 Jahre</td><td>2,25<br />(2,27)</td><td>2,65<br />(2,68)</td><td>2,95<br />(2,98)</td><td>3,45<br />(3,49)</td><td>4,05<br />(4,11)</td><td>4,75<br />(4,84)</td><td>5,25<br />(5,35)</td><td>7,75<br />(7,98)</td>
</tr>
<tr>
<td>5/1/5 Jahre</td><td>2,46<br />(2,48)</td><td>2,86<br />(2,89)</td><td>3,16<br />(3,20)</td><td>3,66<br />(3,71)</td><td>4,26<br />(4,33)</td><td>4,96<br />(5,05)</td><td>5,46<br />(5,57)</td><td>7,96<br />(8,20)</td>
</tr>
<tr>
<td>8/2/8 Jahre</td><td>2,83<br />(2,86)</td><td>3,23<br />(3,27)</td><td>3,53<br />(3,58)</td><td>4,03<br />(4,09)</td><td>4,63<br />(4,71)</td><td>5,33<br />(5,44)</td><td>5,83<br />(5,96)</td><td>8,33<br />(8,59)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>2,85<br />(2,88)</td><td>3,25<br />(3,29)</td><td>3,55<br />(3,60)</td><td>4,05<br />(4,11)</td><td>4,65<br />(4,73)</td><td>5,35<br />(5,46)</td><td>5,85<br />(5,98)</td><td>8,35<br />(8,62)</td>
</tr>
<tr>
<td>12/12/12 Jahre</td><td>4,58<br />(4,66)</td><td>4,98<br />(5,07)</td><td>5,28<br />(5,39)</td><td>5,78<br />(5,91)</td><td>6,38<br />(6,53)</td><td>7,08<br />(7,27)</td><td>7,58<br />(7,80)</td><td>10,08<br />(10,47)</td>
</tr>
<tr>
<td>15/1/15 Jahre</td><td>3,97<br />(4,03)</td><td>4,37<br />(4,44)</td><td>4,67<br />(4,75)</td><td>5,17<br />(5,27)</td><td>5,77<br />(5,90)</td><td>6,47<br />(6,63)</td><td>6,97<br />(7,15)</td><td>9,47<br />(9,81)</td>
</tr>
<tr>
<td>15/3/10 Jahre</td><td>3,17<br />(3,21)</td><td>3,57<br />(3,62)</td><td>3,87<br />(3,93)</td><td>4,37<br />(4,44)</td><td>4,97<br />(5,06)</td><td>5,67<br />(5,79)</td><td>6,17<br />(6,31)</td><td>8,67<br />(8,96)</td>
</tr>
<tr>
<td>20/3/10 Jahre</td><td>3,20<br />(3,24)</td><td>3,60<br />(3,65)</td><td>3,90<br />(3,96)</td><td>4,40<br />(4,47)</td><td>5,00<br />(5,09)</td><td>5,70<br />(5,82)</td><td>6,20<br />(6,35)</td><td>8,70<br />(8,99)</td>
</tr>
<tr>
<td>20/3/20 Jahre</td><td>4,84<br />(4,93)</td><td>5,24<br />(5,34)</td><td>5,54<br />(5,66)</td><td>6,04<br />(6,18)</td><td>6,64<br />(6,81)</td><td>7,34<br />(7,54)</td><td>7,84<br />(8,07)</td><td>10,34<br />(10,75)</td>
</tr>
</tbody>
</table>
<h2>Gründungs- und Wachstumskredit – Wachstumsvorhaben (WK5)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 60 % möglich, ausgenommen Laufzeiten 2/2/2 und 12/12/12 </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>2/2/2 Jahre</td><td>2,72<br />(2,75)</td><td>3,12<br />(3,16)</td><td>3,42<br />(3,46)</td><td>3,92<br />(3,98)</td><td>4,52<br />(4,60)</td><td>5,22<br />(5,32)</td><td>5,72<br />(5,84)</td><td>8,22<br />(8,48)</td>
</tr>
<tr>
<td>5/1/5 Jahre</td><td>2,93<br />(2,96)</td><td>3,33<br />(3,37)</td><td>3,63<br />(3,68)</td><td>4,13<br />(4,19)</td><td>4,73<br />(4,81)</td><td>5,43<br />(5,54)</td><td>5,93<br />(6,06)</td><td>8,43<br />(8,70)</td>
</tr>
<tr>
<td>8/2/8 Jahre</td><td>3,30<br />(3,34)</td><td>3,70<br />(3,75)</td><td>4,00<br />(4,06)</td><td>4,50<br />(4,58)</td><td>5,10<br />(5,20)</td><td>5,80<br />(5,93)</td><td>6,30<br />(6,45)</td><td>8,80<br />(9,09)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>3,32<br />(3,36)</td><td>3,72<br />(3,77)</td><td>4,02<br />(4,08)</td><td>4,52<br />(4,60)</td><td>5,12<br />(5,22)</td><td>5,82<br />(5,95)</td><td>6,32<br />(6,47)</td><td>8,82<br />(9,12)</td>
</tr>
<tr>
<td>12/12/12 Jahre</td><td>4,91<br />(5,00)</td><td>5,31<br />(5,42)</td><td>5,61<br />(5,73)</td><td>6,11<br />(6,25)</td><td>6,71<br />(6,88)</td><td>7,41<br />(7,62)</td><td>7,91<br />(8,15)</td><td>10,41<br />(10,82)</td>
</tr>
<tr>
<td>15/1/15 Jahre</td><td>4,30<br />(4,37)</td><td>4,70<br />(4,78)</td><td>5,00<br />(5,09)</td><td>5,50<br />(5,61)</td><td>6,10<br />(6,24)</td><td>6,80<br />(6,98)</td><td>7,30<br />(7,50)</td><td>9,80<br />(10,17)</td>
</tr>
<tr>
<td>15/3/10 Jahre</td><td>3,57<br />(3,62)</td><td>3,97<br />(4,03)</td><td>4,27<br />(4,34)</td><td>4,77<br />(4,86)</td><td>5,37<br />(5,48)</td><td>6,07<br />(6,21)</td><td>6,57<br />(6,73)</td><td>9,07<br />(9,38)</td>
</tr>
<tr>
<td>20/3/10 Jahre</td><td>3,60<br />(3,65)</td><td>4,00<br />(4,06)</td><td>4,30<br />(4,37)</td><td>4,80<br />(4,89)</td><td>5,40<br />(5,51)</td><td>6,10<br />(6,24)</td><td>6,60<br />(6,77)</td><td>9,10<br />(9,42)</td>
</tr>
<tr>
<td>20/3/20 Jahre</td><td>5,17<br />(5,27)</td><td>5,57<br />(5,69)</td><td>5,87<br />(6,00)</td><td>6,37<br />(6,52)</td><td>6,97<br />(7,15)</td><td>7,67<br />(7,89)</td><td>8,17<br />(8,42)</td><td>10,67<br />(11,10)</td>
</tr>
</tbody>
</table>
<h2>Gründungs- und Wachstumskredit – Wachstumsvorhaben im GuW-Fördergebiet (WK6)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 60 % möglich, ausgenommen Laufzeiten 2/2/2 und 12/12/12 </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>2/2/2 Jahre</td><td>2,57<br />(2,59)</td><td>2,97<br />(3,00)</td><td>3,27<br />(3,31)</td><td>3,77<br />(3,82)</td><td>4,37<br />(4,44)</td><td>5,07<br />(5,17)</td><td>5,57<br />(5,69)</td><td>8,07<br />(8,32)</td>
</tr>
<tr>
<td>5/1/5 Jahre</td><td>2,78<br />(2,81)</td><td>3,18<br />(3,22)</td><td>3,48<br />(3,53)</td><td>3,98<br />(4,04)</td><td>4,58<br />(4,66)</td><td>5,28<br />(5,39)</td><td>5,78<br />(5,91)</td><td>8,28<br />(8,54)</td>
</tr>
<tr>
<td>8/2/8 Jahre</td><td>3,15<br />(3,19)</td><td>3,55<br />(3,60)</td><td>3,85<br />(3,91)</td><td>4,35<br />(4,42)</td><td>4,95<br />(5,04)</td><td>5,65<br />(5,77)</td><td>6,15<br />(6,29)</td><td>8,65<br />(8,93)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>3,17<br />(3,21)</td><td>3,57<br />(3,62)</td><td>3,87<br />(3,93)</td><td>4,37<br />(4,44)</td><td>4,97<br />(5,06)</td><td>5,67<br />(5,79)</td><td>6,17<br />(6,31)</td><td>8,67<br />(8,96)</td>
</tr>
<tr>
<td>12/12/12 Jahre</td><td>4,81<br />(4,90)</td><td>5,21<br />(5,31)</td><td>5,51<br />(5,62)</td><td>6,01<br />(6,15)</td><td>6,61<br />(6,78)</td><td>7,31<br />(7,51)</td><td>7,81<br />(8,04)</td><td>10,31<br />(10,72)</td>
</tr>
<tr>
<td>15/1/15 Jahre</td><td>4,20<br />(4,27)</td><td>4,60<br />(4,68)</td><td>4,90<br />(4,99)</td><td>5,40<br />(5,51)</td><td>6,00<br />(6,14)</td><td>6,70<br />(6,87)</td><td>7,20<br />(7,40)</td><td>9,70<br />(10,06)</td>
</tr>
<tr>
<td>15/3/10 Jahre</td><td>3,46<br />(3,51)</td><td>3,86<br />(3,92)</td><td>4,16<br />(4,23)</td><td>4,66<br />(4,74)</td><td>5,26<br />(5,36)</td><td>5,96<br />(6,09)</td><td>6,46<br />(6,62)</td><td>8,96<br />(9,27)</td>
</tr>
<tr>
<td>20/3/10 Jahre</td><td>3,49<br />(3,54)</td><td>3,89<br />(3,95)</td><td>4,19<br />(4,26)</td><td>4,69<br />(4,77)</td><td>5,29<br />(5,40)</td><td>5,99<br />(6,13)</td><td>6,49<br />(6,65)</td><td>8,99<br />(9,30)</td>
</tr>
<tr>
<td>20/3/20 Jahre</td><td>5,07<br />(5,17)</td><td>5,47<br />(5,58)</td><td>5,77<br />(5,90)</td><td>6,27<br />(6,42)</td><td>6,87<br />(7,05)</td><td>7,57<br />(7,79)</td><td>8,07<br />(8,32)</td><td>10,57<br />(11,00)</td>
</tr>
</tbody>
</table>
<h2>Universalkredit (UK5)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 60 % möglich, ausgenommen Laufzeit 15/15/10 Jahre. </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>3/1/3 Jahre</td><td>3,21<br />(3,25)</td><td>3,61<br />(3,66)</td><td>3,91<br />(3,97)</td><td>4,41<br />(4,48)</td><td>5,01<br />(5,10)</td><td>5,71<br />(5,83)</td><td>6,21<br />(6,36)</td><td>8,71<br />(9,00)</td>
</tr>
<tr>
<td>5/1/5 Jahre</td><td>3,41<br />(3,45)</td><td>3,81<br />(3,86)</td><td>4,11<br />(4,17)</td><td>4,61<br />(4,69)</td><td>5,21<br />(5,31)</td><td>5,91<br />(6,04)</td><td>6,41<br />(6,57)</td><td>8,91<br />(9,21)</td>
</tr>
<tr>
<td>8/2/8 Jahre</td><td>3,55<br />(3,60)</td><td>3,95<br />(4,01)</td><td>4,25<br />(4,32)</td><td>4,75<br />(4,84)</td><td>5,35<br />(5,46)</td><td>6,05<br />(6,19)</td><td>6,55<br />(6,71)</td><td>9,05<br />(9,36)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>3,68<br />(3,73)</td><td>4,08<br />(4,14)</td><td>4,38<br />(4,45)</td><td>4,88<br />(4,97)</td><td>5,48<br />(5,59)</td><td>6,18<br />(6,32)</td><td>6,68<br />(6,85)</td><td>9,18<br />(9,50)</td>
</tr>
<tr>
<td>15/2/10 Jahre</td><td>3,73<br />(3,78)</td><td>4,13<br />(4,19)</td><td>4,43<br />(4,50)</td><td>4,93<br />(5,02)</td><td>5,53<br />(5,65)</td><td>6,23<br />(6,38)</td><td>6,73<br />(6,90)</td><td>9,23<br />(9,55)</td>
</tr>
<tr>
<td>15/15/10 Jahre</td><td>4,16<br />(4,23)</td><td>4,56<br />(4,64)</td><td>4,86<br />(4,95)</td><td>5,36<br />(5,47)</td><td>5,96<br />(6,09)</td><td>6,66<br />(6,83)</td><td>7,16<br />(7,35)</td><td>9,66<br />(10,02)</td>
</tr>
<tr>
<td>20/2/10 Jahre</td><td>3,78<br />(3,83)</td><td>4,18<br />(4,25)</td><td>4,48<br />(4,56)</td><td>4,98<br />(5,07)</td><td>5,58<br />(5,70)</td><td>6,28<br />(6,43)</td><td>6,78<br />(6,95)</td><td>9,28<br />(9,61)</td>
</tr>
</tbody>
</table>
<h2>Universalkredit – beihilfefrei (UK7)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 60 % möglich, ausgenommen Laufzeit 15/15/10 Jahre. </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>3/1/3 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
<tr>
<td>5/1/5 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
<tr>
<td>8/2/8 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
<tr>
<td>15/2/10 Jahre</td><td>3,73<br />(3,78)</td><td>4,13<br />(4,19)</td><td>4,43<br />(4,50)</td><td>4,93<br />(5,02)</td><td>5,53<br />(5,65)</td><td>6,23<br />(6,38)</td><td>6,73<br />(6,90)</td><td>9,23<br />(9,55)</td>
</tr>
<tr>
<td>15/15/10 Jahre</td><td>4,16<br />(4,23)</td><td>4,56<br />(4,64)</td><td>4,86<br />(4,95)</td><td>5,36<br />(5,47)</td><td>5,96<br />(6,09)</td><td>6,66<br />(6,83)</td><td>7,16<br />(7,35)</td><td>9,66<br />(10,02)</td>
</tr>
<tr>
<td>20/2/10 Jahre</td><td>3,78<br />(3,83)</td><td>4,18<br />(4,25)</td><td>4,48<br />(4,56)</td><td>4,98<br />(5,07)</td><td>5,58<br />(5,70)</td><td>6,28<br />(6,43)</td><td>6,78<br />(6,95)</td><td>9,28<br />(9,61)</td>
</tr>
</tbody>
</table>
<h2>Innovationskredit 4.0 - Innovative Vorhaben (IV5)</h2>
<p> Auszahlung: 100 %. <br />Soweit die im Darlehensangebot festgelegten Voraussetzungen erfüllt werden, gewährt die LfA einen Tilgungszuschuss von 2,0 % des Darlehensbetrags. Dieser ist in den oben aufgeführten Zinssätzen nicht enthalten. Ergänzend wird außerdem ein ERP-Förderzuschuss in Höhe von 3,0 % des ausgezahlten Darlehensbetrags (max. 200.000 EUR) von der KfW angeboten.
</p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>5/1/5 Jahre</td><td>2,11<br />(2,13)</td><td>2,51<br />(2,53)</td><td>2,81<br />(2,84)</td><td>3,31<br />(3,35)</td><td>3,91<br />(3,97)</td><td>4,61<br />(4,69)</td><td>5,11<br />(5,21)</td><td>7,61<br />(7,83)</td>
</tr>
<tr>
<td>7/2/7 Jahre</td><td>2,31<br />(2,33)</td><td>2,71<br />(2,74)</td><td>3,01<br />(3,04)</td><td>3,51<br />(3,56)</td><td>4,11<br />(4,17)</td><td>4,81<br />(4,90)</td><td>5,31<br />(5,42)</td><td>7,81<br />(8,04)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>2,49<br />(2,51)</td><td>2,89<br />(2,92)</td><td>3,19<br />(3,23)</td><td>3,69<br />(3,74)</td><td>4,29<br />(4,36)</td><td>4,99<br />(5,08)</td><td>5,49<br />(5,60)</td><td>7,99<br />(8,23)</td>
</tr>
</tbody>
</table>
<h2>Innovationskredit 4.0 - Innovative Vorhaben HA (IV6)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 70 %. <br />Soweit die im Darlehensangebot festgelegten Voraussetzungen erfüllt werden, gewährt die LfA einen Tilgungszuschuss von 2,0 % des Darlehensbetrags. Dieser ist in den oben aufgeführten Zinssätzen nicht enthalten. Ergänzend wird außerdem ein ERP-Förderzuschuss in Höhe von 3,0 % des ausgezahlten Darlehensbetrags (max. 200.000 EUR) von der KfW angeboten. Der aus der InvestEU-Garantie des EIF resutierende Vorteil (Financial Benefit) wird von der LfA über eine preisklassenabhängige Zinsvergünstigung an den Endkreditnehmer weitergegeben, die in den oben aufgeführten Zinssätzen bereits enthalten ist.
</p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>5/1/5 Jahre</td><td>2,11<br />(2,13)</td><td>2,41<br />(2,43)</td><td>2,60<br />(2,63)</td><td>2,93<br />(2,96)</td><td>3,33<br />(3,37)</td><td>3,81<br />(3,86)</td><td>4,13<br />(4,19)</td><td>5,79<br />(5,92)</td>
</tr>
<tr>
<td>7/2/7 Jahre</td><td>2,31<br />(2,33)</td><td>2,61<br />(2,63)</td><td>2,80<br />(2,83)</td><td>3,13<br />(3,16)</td><td>3,53<br />(3,58)</td><td>4,01<br />(4,07)</td><td>4,33<br />(4,40)</td><td>5,99<br />(6,13)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>2,49<br />(2,51)</td><td>2,79<br />(2,81)</td><td>2,98<br />(3,01)</td><td>3,31<br />(3,35)</td><td>3,71<br />(3,76)</td><td>4,19<br />(4,25)</td><td>4,51<br />(4,59)</td><td>6,17<br />(6,31)</td>
</tr>
</tbody>
</table>
<h2>Innovationskredit 4.0 - Innovative Unternehmen (IU5)</h2>
<p> Auszahlung: 100 %. <br />Soweit die im Darlehensangebot festgelegten Voraussetzungen erfüllt werden, gewährt die LfA einen Tilgungszuschuss von 1,0 % des Darlehensbetrags. Dieser ist in den oben aufgeführten Zinssätzen nicht enthalten.
</p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>5/1/5 Jahre</td><td>2,71<br />(2,74)</td><td>3,11<br />(3,15)</td><td>3,41<br />(3,45)</td><td>3,91<br />(3,97)</td><td>4,51<br />(4,59)</td><td>5,21<br />(5,31)</td><td>5,71<br />(5,83)</td><td>8,21<br />(8,47)</td>
</tr>
<tr>
<td>7/2/7 Jahre</td><td>2,91<br />(2,94)</td><td>3,31<br />(3,35)</td><td>3,61<br />(3,66)</td><td>4,11<br />(4,17)</td><td>4,71<br />(4,79)</td><td>5,41<br />(5,52)</td><td>5,91<br />(6,04)</td><td>8,41<br />(8,68)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>3,09<br />(3,13)</td><td>3,49<br />(3,54)</td><td>3,79<br />(3,84)</td><td>4,29<br />(4,36)</td><td>4,89<br />(4,98)</td><td>5,59<br />(5,71)</td><td>6,09<br />(6,23)</td><td>8,59<br />(8,87)</td>
</tr>
</tbody>
</table>
<h2>Innovationskredit 4.0 - Innovative Unternehmen HA (IU6)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 70 %. <br />Soweit die im Darlehensangebot festgelegten Voraussetzungen erfüllt werden, gewährt die LfA einen Tilgungszuschuss von 1,0 % des Darlehensbetrags. Dieser ist in den oben aufgeführten Zinssätzen nicht enthalten. Der aus der InvestEU-Garantie des EIF resultierende Vorteil (Financial Benefit) wird von der LfA über eine preisklassenabhängige Zinsvergünstigung an den Endkreditnehmer weitergegeben, die in den oben aufgeführten Zinssätzen bereits enthalten ist.
</p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>5/1/5 Jahre</td><td>2,71<br />(2,74)</td><td>3,01<br />(3,04)</td><td>3,20<br />(3,24)</td><td>3,53<br />(3,57)</td><td>3,93<br />(3,99)</td><td>4,41<br />(4,48)</td><td>4,73<br />(4,81)</td><td>6,39<br />(6,54)</td>
</tr>
<tr>
<td>7/2/7 Jahre</td><td>2,91<br />(2,94)</td><td>3,21<br />(3,24)</td><td>3,40<br />(3,44)</td><td>3,73<br />(3,78)</td><td>4,13<br />(4,20)</td><td>4,61<br />(4,69)</td><td>4,93<br />(5,02)</td><td>6,59<br />(6,75)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>3,09<br />(3,13)</td><td>3,39<br />(3,43)</td><td>3,58<br />(3,63)</td><td>3,91<br />(3,96)</td><td>4,31<br />(4,38)</td><td>4,79<br />(4,87)</td><td>5,11<br />(5,21)</td><td>6,77<br />(6,94)</td>
</tr>
</tbody>
</table>
<h2>Energiekredit Produktion (EK5)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 50 % möglich. </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>5/1/5 Jahre</td><td>2,48<br />(2,50)</td><td>2,88<br />(2,91)</td><td>3,18<br />(3,22)</td><td>3,68<br />(3,73)</td><td>4,28<br />(4,35)</td><td>4,98<br />(5,07)</td><td>5,48<br />(5,59)</td><td>7,98<br />(8,22)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>2,87<br />(2,90)</td><td>3,27<br />(3,31)</td><td>3,57<br />(3,62)</td><td>4,07<br />(4,13)</td><td>4,67<br />(4,75)</td><td>5,37<br />(5,48)</td><td>5,87<br />(6,00)</td><td>8,37<br />(8,64)</td>
</tr>
<tr>
<td>20/3/10 Jahre</td><td>3,28<br />(3,32)</td><td>3,68<br />(3,73)</td><td>3,98<br />(4,04)</td><td>4,48<br />(4,56)</td><td>5,08<br />(5,18)</td><td>5,78<br />(5,91)</td><td>6,28<br />(6,43)</td><td>8,78<br />(9,07)</td>
</tr>
</tbody>
</table>
<h2>Energiekredit Gebäude (EG8)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 50 % möglich. </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>5/1/5 Jahre</td><td>2,73<br />(2,76)</td><td>3,13<br />(3,17)</td><td>3,43<br />(3,47)</td><td>3,93<br />(3,99)</td><td>4,53<br />(4,61)</td><td>5,23<br />(5,33)</td><td>5,73<br />(5,85)</td><td>8,23<br />(8,49)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>3,12<br />(3,16)</td><td>3,52<br />(3,57)</td><td>3,82<br />(3,88)</td><td>4,32<br />(4,39)</td><td>4,92<br />(5,01)</td><td>5,62<br />(5,74)</td><td>6,12<br />(6,26)</td><td>8,62<br />(8,90)</td>
</tr>
<tr>
<td>15/3/10 Jahre</td><td>3,37<br />(3,41)</td><td>3,77<br />(3,82)</td><td>4,07<br />(4,13)</td><td>4,57<br />(4,65)</td><td>5,17<br />(5,27)</td><td>5,87<br />(6,00)</td><td>6,37<br />(6,52)</td><td>8,87<br />(9,17)</td>
</tr>
<tr>
<td>15/3/15 Jahre</td><td>3,72<br />(3,77)</td><td>4,12<br />(4,18)</td><td>4,42<br />(4,49)</td><td>4,92<br />(5,01)</td><td>5,52<br />(5,64)</td><td>6,22<br />(6,37)</td><td>6,72<br />(6,89)</td><td>9,22<br />(9,54)</td>
</tr>
<tr>
<td>20/3/10 Jahre</td><td>3,40<br />(3,44)</td><td>3,80<br />(3,85)</td><td>4,10<br />(4,16)</td><td>4,60<br />(4,68)</td><td>5,20<br />(5,30)</td><td>5,90<br />(6,03)</td><td>6,40<br />(6,56)</td><td>8,90<br />(9,20)</td>
</tr>
<tr>
<td>20/3/20 Jahre</td><td>4,32<br />(4,39)</td><td>4,72<br />(4,80)</td><td>5,02<br />(5,12)</td><td>5,52<br />(5,64)</td><td>6,12<br />(6,26)</td><td>6,82<br />(7,00)</td><td>7,32<br />(7,52)</td><td>9,82<br />(10,19)</td>
</tr>
</tbody>
</table>
<h2>Energiekredit Regenerativ PV-A (ER5)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 50 % möglich. </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>5/1/5 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
<tr>
<td>15/3/15 Jahre</td><td>3,87<br />(3,93)</td><td>4,27<br />(4,34)</td><td>4,57<br />(4,65)</td><td>5,07<br />(5,17)</td><td>5,67<br />(5,79)</td><td>6,37<br />(6,52)</td><td>6,87<br />(7,05)</td><td>9,37<br />(9,70)</td>
</tr>
<tr>
<td>20/3/10 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
<tr>
<td>20/3/20 Jahre</td><td>4,24<br />(4,31)</td><td>4,64<br />(4,72)</td><td>4,94<br />(5,03)</td><td>5,44<br />(5,55)</td><td>6,04<br />(6,18)</td><td>6,74<br />(6,91)</td><td>7,24<br />(7,44)</td><td>9,74<br />(10,10)</td>
</tr>
<tr>
<td>30/5/10 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
</tbody>
</table>
<h2>Energiekredit Regenerativ PV-A Plus (ER6)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 50 % möglich. </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>5/1/5 Jahre</td><td>2,83<br />(2,86)</td><td>3,23<br />(3,27)</td><td>3,53<br />(3,58)</td><td>4,03<br />(4,09)</td><td>4,63<br />(4,71)</td><td>5,33<br />(5,44)</td><td>5,83<br />(5,96)</td><td>8,33<br />(8,59)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>3,22<br />(3,26)</td><td>3,62<br />(3,67)</td><td>3,92<br />(3,98)</td><td>4,42<br />(4,49)</td><td>5,02<br />(5,12)</td><td>5,72<br />(5,84)</td><td>6,22<br />(6,37)</td><td>8,72<br />(9,01)</td>
</tr>
<tr>
<td>15/3/15 Jahre</td><td>3,77<br />(3,82)</td><td>4,17<br />(4,24)</td><td>4,47<br />(4,55)</td><td>4,97<br />(5,06)</td><td>5,57<br />(5,69)</td><td>6,27<br />(6,42)</td><td>6,77<br />(6,94)</td><td>9,27<br />(9,60)</td>
</tr>
<tr>
<td>20/3/10 Jahre</td><td>3,50<br />(3,55)</td><td>3,90<br />(3,96)</td><td>4,20<br />(4,27)</td><td>4,70<br />(4,78)</td><td>5,30<br />(5,41)</td><td>6,00<br />(6,14)</td><td>6,50<br />(6,66)</td><td>9,00<br />(9,31)</td>
</tr>
<tr>
<td>20/3/20 Jahre</td><td>4,14<br />(4,20)</td><td>4,54<br />(4,62)</td><td>4,84<br />(4,93)</td><td>5,34<br />(5,45)</td><td>5,94<br />(6,07)</td><td>6,64<br />(6,81)</td><td>7,14<br />(7,33)</td><td>9,64<br />(9,99)</td>
</tr>
<tr>
<td>30/5/10 Jahre</td><td>3,55<br />(3,60)</td><td>3,95<br />(4,01)</td><td>4,25<br />(4,32)</td><td>4,75<br />(4,84)</td><td>5,35<br />(5,46)</td><td>6,05<br />(6,19)</td><td>6,55<br />(6,71)</td><td>9,05<br />(9,36)</td>
</tr>
</tbody>
</table>
<h2>Energiekredit Regenerativ (ER7)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 50 % möglich. </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>5/1/5 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
<tr>
<td>10/2/10 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
<tr>
<td>15/3/15 Jahre</td><td>3,95<br />(4,01)</td><td>4,35<br />(4,42)</td><td>4,65<br />(4,73)</td><td>5,15<br />(5,25)</td><td>5,75<br />(5,88)</td><td>6,45<br />(6,61)</td><td>6,95<br />(7,13)</td><td>9,45<br />(9,79)</td>
</tr>
<tr>
<td>20/3/10 Jahre</td><td>3,78<br />(3,83)</td><td>4,18<br />(4,25)</td><td>4,48<br />(4,56)</td><td>4,98<br />(5,07)</td><td>5,58<br />(5,70)</td><td>6,28<br />(6,43)</td><td>6,78<br />(6,95)</td><td>9,28<br />(9,61)</td>
</tr>
<tr>
<td>20/3/20 Jahre</td><td>4,27<br />(4,34)</td><td>4,67<br />(4,75)</td><td>4,97<br />(5,06)</td><td>5,47<br />(5,58)</td><td>6,07<br />(6,21)</td><td>6,77<br />(6,94)</td><td>7,27<br />(7,47)</td><td>9,77<br />(10,13)</td>
</tr>
<tr>
<td>30/5/10 Jahre</td><td>3,88<br />(3,94)</td><td>4,28<br />(4,35)</td><td>4,58<br />(4,66)</td><td>5,08<br />(5,18)</td><td>5,68<br />(5,80)</td><td>6,38<br />(6,53)</td><td>6,88<br />(7,06)</td><td>9,38<br />(9,72)</td>
</tr>
</tbody>
</table>
<h2>Energiekredit Wärme - Wärme/Kälte Versorgung auf Basis erneuerb. Energ. (EW5)</h2>
<p> Auszahlung: 100 %. </p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
<tr>
<td>10/2/10 Jahre</td><td>3,71<br />(3,76)</td><td>4,11<br />(4,17)</td><td>4,41<br />(4,48)</td><td>4,91<br />(5,00)</td><td>5,51<br />(5,62)</td><td>6,21<br />(6,36)</td><td>6,71<br />(6,88)</td><td>9,21<br />(9,53)</td>
</tr>
<tr>
<td>15/3/15 Jahre</td><td>3,88<br />(3,94)</td><td>4,28<br />(4,35)</td><td>4,58<br />(4,66)</td><td>5,08<br />(5,18)</td><td>5,68<br />(5,80)</td><td>6,38<br />(6,53)</td><td>6,88<br />(7,06)</td><td>9,38<br />(9,72)</td>
</tr>
<tr>
<td>20/3/10 Jahre</td><td>3,75<br />(3,80)</td><td>4,15<br />(4,22)</td><td>4,45<br />(4,52)</td><td>4,95<br />(5,04)</td><td>5,55<br />(5,67)</td><td>6,25<br />(6,40)</td><td>6,75<br />(6,92)</td><td>9,25<br />(9,58)</td>
</tr>
<tr>
<td>20/3/20 Jahre</td><td>4,20<br />(4,27)</td><td>4,60<br />(4,68)</td><td>4,90<br />(4,99)</td><td>5,40<br />(5,51)</td><td>6,00<br />(6,14)</td><td>6,70<br />(6,87)</td><td>7,20<br />(7,40)</td><td>9,70<br />(10,06)</td>
</tr>
<tr>
<td>30/3/10 Jahre</td><td>3,81<br />(3,86)</td><td>4,21<br />(4,28)</td><td>4,51<br />(4,59)</td><td>5,01<br />(5,10)</td><td>5,61<br />(5,73)</td><td>6,31<br />(6,46)</td><td>6,81<br />(6,99)</td><td>9,31<br />(9,64)</td>
</tr>
</tbody>
</table>
<h2>Regionalkredit einschl. Fremdenverkehrsförderung (RK5)</h2>
<p> Auszahlung: 100 %. Haftungsfreistellung von 60 % möglich. <br />Für die mit Zuwendungen aus der bayerischen Regionalförderung zinsverbilligten Darlehen der LfA werden die preisklassenabhängigen Zinssätze, Laufzeiten und Tilgungsfreijahre im Einzelfall vereinbart.
</p>
<table>
<thead>
<tr>
<th>Preisklasse</th><th>A</th><th>B</th><th>C</th><th>D</th><th>E</th><th>F</th><th>G</th><th>X</th>
</tr>
</thead>
<tbody>
</tbody>
</table>