{"id":99597,"date":"2023-10-03T09:07:33","date_gmt":"2023-10-03T07:07:33","guid":{"rendered":"https:\/\/www.cib.de\/?p=99597"},"modified":"2026-09-10T10:23:19","modified_gmt":"2026-09-10T08:23:19","slug":"cib-financing-equal-opportunities-education","status":"publish","type":"post","link":"https:\/\/www.cib.de\/en\/cib-arbeitgeberdarlehen-fuer-gleiche-bildungschancen\/","title":{"rendered":"CIB Financing for equal opportunities in education\u00a0"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"99597\" class=\"elementor elementor-99597\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-80c588b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"80c588b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d2fe9c\" data-id=\"1d2fe9c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8951b0a elementor-widget elementor-widget-text-editor\" data-id=\"8951b0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThere is currently unwelcome news for students who depend on financial aid: The German Development Bank (KfW) has announced that it will change the conditions of its student loan from October onwards. The interest rate will rise from 8.34% to 9.18%. For many, this is a slap in the face, especially since the Federal Government talks about educational opportunities \"for everyone\". \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e787173 elementor-widget elementor-widget-html\" data-id=\"e787173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p hidden><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3a11bd7 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a11bd7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c325c0a\" data-id=\"c325c0a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-adbe80a elementor-widget elementor-widget-text-editor\" data-id=\"adbe80a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At CIB we do not stand idly by and offer a loan to the company on much more favorable terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2979868\" data-id=\"2979868\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34dcd76 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"34dcd76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"397\" src=\"https:\/\/www.cib.de\/wp-content\/uploads\/2022\/10\/Blog-Headergraphics_jovenes-talentos_1-1024x397.png\" class=\"attachment-large size-large wp-image-58362\" alt=\"\" srcset=\"https:\/\/www.cib.de\/wp-content\/uploads\/2022\/10\/Blog-Headergraphics_jovenes-talentos_1-1024x397.png 1024w, https:\/\/www.cib.de\/wp-content\/uploads\/2022\/10\/Blog-Headergraphics_jovenes-talentos_1-475x184.png 475w, https:\/\/www.cib.de\/wp-content\/uploads\/2022\/10\/Blog-Headergraphics_jovenes-talentos_1-768x298.png 768w, https:\/\/www.cib.de\/wp-content\/uploads\/2022\/10\/Blog-Headergraphics_jovenes-talentos_1-e1768315243611.png 1031w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fa5b1c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa5b1c7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-81e65f8\" data-id=\"81e65f8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1aa491 elementor-widget elementor-widget-text-editor\" data-id=\"f1aa491\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our financing model is not only aimed at workers who wish to finance a house or the installation of solar panels on their home, but explicitly at those who wish to invest in their education.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eeeec13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eeeec13\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e4d4028\" data-id=\"e4d4028\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af822f5 elementor-widget elementor-widget-heading\" data-id=\"af822f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our motivation? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3d8ac4 elementor-widget elementor-widget-text-editor\" data-id=\"a3d8ac4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At a time when financing education is becoming increasingly important, we want to make our contribution. Because education and equal opportunities must not depend on credit conditions!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6b6b2f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e6b6b2f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8de2557\" data-id=\"8de2557\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a164179 elementor-widget elementor-widget-image\" data-id=\"a164179\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/www.cib.de\/wp-content\/uploads\/2023\/10\/finatiation-49-e1767881904579.png\" class=\"attachment-large size-large wp-image-99680\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7b3ad51\" data-id=\"7b3ad51\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-752bd91 elementor-widget elementor-widget-text-editor\" data-id=\"752bd91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"translation-block\"><strong>Lower interest rates:<\/strong> Compared to traditional banks and now also to KfW, we offer significantly lower interest rates.<\/li><li class=\"translation-block\"><strong>Easy access:<\/strong> The relationship with our employees is important to us. That's why we make the credit process simple and straightforward.<\/li><li class=\"translation-block\"><strong>Flexible repayment:<\/strong> Often, repayment can be made directly via payroll or a bonus payment - this makes processing much easier.<\/li><li class=\"translation-block\"><strong>Financing options:<\/strong> Whether studying, training, buying a house, car or photovoltaic system - our loan offers a variety of options.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c3e577e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c3e577e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-db804e9\" data-id=\"db804e9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2825941 elementor-widget elementor-widget-text-editor\" data-id=\"2825941\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In addition, we ensure that interest benefits for our employees are tax-exempt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7c4601 elementor-widget elementor-widget-text-editor\" data-id=\"f7c4601\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let\u2019s CIB!<br><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>There is currently unwelcome news for students who depend on financial aid: The German Development Bank (KfW) has announced that it will change the conditions of its student loan from October onwards. The interest rate will rise from 8.34% to 9.18%. For many, this is a slap in the face, especially since the Federal Government talks about educational opportunities \"for everyone\".<\/p>","protected":false},"author":246,"featured_media":99676,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[1064,2169],"class_list":["post-99597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cib-group","tag-soziale-verantwortung","tag-cib-incentives"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CIB Arbeitgeberdarlehen f\u00fcr Bildungschancen - CIB reagiert auf die \u00c4nderung der KfW-Konditionen\u00a0 - CIB Group<\/title>\n<meta name=\"description\" content=\"CIB bietet Mitarbeiter Arbeitgeberdarlehen zu niedrigen Zinsen und Konditionen. Jetzt auch f\u00fcr die Finanzierung von Bildung!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cib.de\/en\/cib-financing-equal-opportunities-education\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CIB Arbeitgeberdarlehen f\u00fcr Bildungschancen - CIB reagiert auf die \u00c4nderung der KfW-Konditionen\u00a0 - CIB Group\" \/>\n<meta property=\"og:description\" content=\"CIB bietet Mitarbeiter Arbeitgeberdarlehen zu niedrigen Zinsen und Konditionen. 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