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BGB 498. 1 With regard to a loan that is to be repaid in instalments , the lender may only give notice of termination on account of the default in payment of the borrower if the borrower is in default in the payment of at least two consecutive instalments in whole or in part and by at least ten per cent , in the case of a consumer loan contract running for more than three years by five per cent , of the nominal amount of the loan or of the instalment price , and the lender has without result given the borrower a period of two weeks for payment of the amount in arrears and has declared that in the case of failure to pay within the period , the lender will demand the entire residual debt . At the latest when the lender specifies a period of time , the lender is to offer to the borrower to discuss the possibility of an arrangement by mutual consent .
BGB 498. 3 Subsection ( 1 ) applies to real estate loan contracts on proviso that the borrower must be completely or partly in arrears in respect of at least two consecutive instalments and of at least 2. 5 percent of the nominal amount of the loan .
GG 109. 3 The budgets of the Federation and the Länder shall in principle be balanced without revenue from credits . The Federation and Länder may introduce rules intended to take into account , symmetrically in times of upswing and downswing , the effects of market developments that deviate from normal conditions , as well as exceptions for natural disasters or unusual emergency situations beyond governmental control and substantially harmful to the states financial capacity . For such exceptional regimes , a corresponding amortisation plan must be adopted . Details for the budget of the Federation shall be governed by Article 115 with the proviso that the first sentence shall be deemed to be satisfied if revenue from credits does not exceed 0. 35 percent in relation to the nominal gross domestic product . The Länder themselves shall regulate details for the budgets within the framework of their constitutional powers , the proviso being that the first sentence shall only be deemed to be satisfied if no revenue from credits is admitted .
GG 115. 2 Revenues and expenditures shall in principle be balanced without revenue from credits . This principle shall be satisfied when revenue obtained by the borrowing of funds does not exceed 0. 35 percent in relation to the nominal gross domestic product . In addition , when economic developments deviate from normal conditions , effects on the budget in periods of upswing and downswing must be taken into account symmetrically . Deviations of actual borrowing from the credit limits specified under the first to third sentences are to be recorded on a control account ; debits exceeding the threshold of 1. 5 percent in relation to the nominal gross domestic product are to be reduced in accordance with the economic cycle . The regulation of details , especially the adjustment of revenue and expenditures with regard to financial transactions and the procedure for the calculation of the yearly limit on net borrowing , taking into account the economic cycle on the basis of a procedure for adjusting the cy cle together with the control and balancing of deviations of actual borrowing from the credit limit , requires a federal law . In cases of natural catastrophes or unusual emergency situations beyond governmental control and substantially harmful to the states financial capacity , these credit limits may be exceeded on the basis of a decision by a majority of the Bundestags Members . The decision has to be combined with an amortisation plan . Repayment of the credits borrowed under the sixth sentence must be accomplished within an appropriate period of time . § Xa .