Granting of interest-free investment loans or loans with low interest rates, e.g. similar to the first mortgage of Raiffeisenbank Engiadina Val Müstair, for: social concerns, such as training for young people, care for the elderly, etc., cultural concerns of all kinds including music and the Müstair church choir, economic concerns for the preservation and expansion of trade and tourism, specifically where jobs are secured or created, or value creation can be achieved. Refinancing of construction projects, facilities, training, and the like. The citizens and residents of the Müstair municipality who have their domicile in the Müstair municipality (formerly the political municipality of Müstair before the valley merger) and whose financial situation is classified as low-income according to cantonal practice shall be benefited.