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BGB 491. 2 The following provisions do not apply to consumer loan contracts in which the disbursable loan ( net loan amount ) does not exceed 200 euros , which are entered into between an employer and an employee at rates of interest lying below the going market rates , which , in connection with the subsidisation of housing and urban development , are entered into on the basis of public-law approvals or on the basis of grants from public authorities directly between the public law institution awarding the subsidies and the borrower at rates of interest lying below the going market rates .