468/Sb.
GOVERNMENT REGULATION
of 5 April 2004. December 2012
about how to use the resources of the State housing development fund in the form of loans
provided by legal and natural persons on the repair and modernization of home
Change: 269/Sb.
Change: 144/2014 Sb.
The Government ordered pursuant to section 9 of Act No. 211/2000 Coll. on the State Fund
housing development and amending Act No. 171/1991 Coll., on the scope of the authorities
The United States in cases of transfers of State assets to other persons and the Fund
National Property Fund of the Czech Republic, as amended, in
amended by Act No 61/2005 Coll.:
§ 1
The subject of the edit
This Regulation determines the conditions for the use of funds from the
The State Housing Development Fund (hereinafter referred to as "the Fund") in the form of loans
provided by legal and natural persons on the repair and modernization of the home.
§ 2
Definition of terms
For the purposes of this regulation, means a
and house building) with at least four separate flats ^ 1), in which multiple
than half of the floor area corresponds to the requirements for permanent living and
It is intended for this purpose, built on the territory of the Czech Republic,
(b) the repair or modernization of the House) the activities referred to in the annex to this
of the regulation.
§ 3
The conditions for granting the loan
(1) the loan may be granted to natural or legal persons, that is
the owner or co-owner of the House or apartment ^ 1) in the House.
(2) in the House, in which arises condominiums, loan
as well as this legal entity.
(3) a loan may be granted, if the following conditions are met:
and repair or modernization of) the House must be in repair and modernization
referred to in part A of the annex to this regulation, unless the State House one
repair or upgrading referred to in part A of the annex to this regulation
under each item proven does not require
(b) a written application for credit) under section 4 is made prior to the commencement of repair or
modernisation of the House,
(c)) in the case of a loan, subject to the conditions laid down in decision
The European Commission issued pursuant to the regulation directly applicable European Union
in the area of public aid notification ^ 6) (hereinafter referred to as "terms and conditions
of the notified scheme "), have not been started ^ 7) before the Fund
shall confirm in writing that the project in principle meets the conditions of the notified
mode,
(d) the supplier of the repair or modernization) of the House are natural or legal
people who have a quality management system implemented and certified in a manner
corresponding to the respective Czech technical standard ^ 2)
(e) the repair or modernisation of the House) are building the Office allowed or
are building Office duly reported, if the building permit or
the Declaration shall be subject to, or is the maintenance of the work mandated by the
the building Act,
(f) it is sufficiently ensured) credit.
(4) On the same type of repair or modernization of the same construction elements
the House may be granted only once; This does not apply if the construction
elements of the House, which have been the subject of previous repair or modernization, already
do not meet the current requirements laid down by the legislation or
technical standards.
(5) a loan under this Regulation shall be granted for activities that have been
support from national or European funds.
§ 4
Request for credit
(1) an application for a loan contains
and) the name or name, last name, address, place of residence and
date of birth, when the applicant is a natural person,
(b)) the name or name, last name, business name, identification
number of the person and the address of the place of residence or place of business,
If different from the address of permanent residence, when the applicant is doing business
a natural person,
(c)) the trade name or name, identification number and address of the person, if the
the applicant legal person.
(2) the loan application the applicant shall provide
and) proof of ownership of the House or apartment in which the repair or
the modernisation of the loan is to be granted,
(b)), the applicant's statements to the effect that on the date of submission of the application for a loan does not have
outstanding balance due to the public budget, or to a health insurance company,
(c)) that the Declaration by the applicant at the time of submission of the application and for a period of 3 years before
submission of the application is not and was not in bankruptcy or liquidation or bankruptcy
There has not been and is not guided by the enforcement of a decision against the applicant, against
the applicant is not commenced or criminal proceedings and has not been convicted of a
the offense, which is related to the merits of the subject of activity
the applicant or for the economic crime or a crime against
assets,
(d)), the design documentation of the proposed repair or modernisation of the House
processed by an authorised engineer or by an authorized technician law
in construction, where the proposed repair or modernisation shall be subject to the building
authorisation or declaration, or if the processing of the request is clear from
legislation,
e) document proving the amount of energy savings,
(f)), in which the budget must be separately listed items, the cost of
repair or modernisation of the House that are listed in the annex to this
Regulation,
g) proof of the floor area of apartments in the House, on which the repair or
the modernisation of the loan is to be granted,
h) in cases where the State does not require any repair proven House
or upgrading referred to in part A of the annex to this regulation,
confirmation of this fact issued by a person referred to in subparagraph (d)).
(3) if the loan application, it shall invite the applicant pool to complete, within 30 days from the
receipt of the application for a loan to make it within the time limit laid down by the Fund. Fund
can the applicant also to supplement other supporting documents necessary to
assessment of the purpose of the loan and the ability of the applicant to repay the loan. If
the applicant within the time limit to complete the required information, the Treaty
the loan cannot be closed.
(4) After the preliminary assessment of the application, the applicant's written Challenge Fund
showing that there are
and eligibility of repair or planned) modernization of one of the following
documents or declarations:
1. a final building permit or a public contract for the implementation of
the building, which can be used to replace a building permit or proof of notice
the certificate of an authorized officer of the competent authority,
2. the consent of the building authority to carry out construction, or
3. Declaration by the applicant that the alterations do not require building permits
neither report ^ 4),
(b)), the Treaty on the construction contractor of the construction is concluded, if
the construction does not implement itself, the applicant
(c)) document proving the fulfilment of a condition pursuant to § 3 (2). 3 (b). (d)).
§ 5
The interest rate and the loan amount according to the conditions of the de minimis
(1) the amount of the interest rate may not be lower than the reference rate
The European Union ^ 5).
(2) in the event that the interest rate is lower than the reference rate
The European Union increased by příČslušnou the risk margin based on credit score
the applicant and the collateral for a loan, the loan amount is limited in accordance with the rules
providing support directly to the applicable de minimis aid under regulation
The European Union ^ 3).
(3) the amount of the loan may not exceed 90% of the budgetary cost of repairs
or upgrading the House listed in the annex to this regulation.
Section 5a
The interest rate and the loan amount under the terms of the notified scheme
(1) the amount of the interest rate may not be lower than the reference rate
The European Union ^ 5).
(2) in the event that the interest rate is lower than the reference rate
The European Union increased the risk margin based on credit score
the applicant and the collateral for a loan, the loan amount is limited to the maximum intensity
aid in accordance with the terms of the notified scheme.
(3) the amount of the loan may not exceed 75% of the budgetary cost of repairs
or upgrading the House listed in the annex to this regulation.
§ 6
The contract for the provision of credit and terms of credit
(1) if the conditions laid down in this regulation and to the Fund
loan funds may submit a proposal to the applicant
contracts for the provision of the loan.
(2) if the Fund does not provide the credit, shall inform the applicant of this fact in writing
and without undue delay.
(3) if the applicant of the reasons for the conclusion of a contract for the provision of
credit not later than 2 months from receipt of the challenge Fund to the conclusion of the contract
the granting of a loan, the loan is granted.
(4) the loan must be commenced within 6 months from the date of acquisition
the effectiveness of the contracts for the provision of the loan.
(5) repair or modernization of the House must be completed within 3 years from the date of
entry into force of the Treaty on the provision of credit.
(6) for repayment of the loan, but at least for a period of 5 years from the date of acquisition
the effectiveness of the contracts for the provision of the loan, may not be used for any other House or apartment
purpose than housing.
(7) If a decision on the removal of the House, on which repair
or modernisation of the loan, the loan beneficiary is obliged to notify
This fact the Fund, within 30 days from the date of this decision
came into legal force.
(8) the contract of loan must contain arrangements for contractual penalty clause
especially for the case that the recipient of the loan is in default with the payment of
loan instalments in the agreed amount or fails to comply with the conditions referred to in paragraph 3 and in
paragraphs 5 to 7.
§ 7
Repayment of the loan
(1) the period of loan repayment can be in a contract for the provision of a loan arranged
for a maximum of 30 years from the date of entry into force of the Treaty on the provision of credit.
At the request of the recipient of the loan can be the beginning of the repayment of the principal of the loan
postponed for a maximum period of 2 months from the completion of repair or
modernization. At the request of the recipient of the loan, the Fund may modify the duration of the loan
the loan. The total period of repayment of the loan shall not exceed the period provided for in
the first sentence.
(2) the Fund may require immediate repayment of the loan,
and) if the transfer or gradient, ownership of the House or apartment to another
person and the new owner will not assume in full the commitment to repay the
the remaining part of the loan or the remaining part of the loan is not enough
ensured,
(b)) if it is established that the recipient of the loan provided incorrect information on
basis of which the contract has been concluded for the provision of the loan, or violated the
the conditions referred to in section 6 (1). 5 to 7,
(c)) if the recipient of the loan is in default in payment of a minimum of 2 monthly
loan instalments in the agreed amount and fails to pay the amounts due to the longest
within 30 days of receipt of the written challenge,
d) acquires legal force of the decision by the competent Building Authority
change in the purpose of use of the House or apartment, or the removal of the House.
§ 8
Transitional provision
(1) the legal relationships arising pursuant to Government Regulation No. 303/2001 Coll., as well as
the rights and obligations arising therefrom shall be governed by the existing legal
regulations.
(2) For the early repayment of the entire principal pursuant to § 7 para. 2 Government Regulation
No 299/2001 Coll. is not refinancing loan provided to the Bank
the repair and modernization of home, provided that the newly agreed loan is
granted only to pay the outstanding portion of the loan to which the support
applies. This also applies in cases of refinancing loans prior to the date of acquisition
the effectiveness of this regulation.
§ 9
Regulation (EEC)
Shall be repealed:
1. Government Regulation No. 303/2001 Coll. on the use of funds of the State Fund
housing development to cover part of the interest on loans granted by the banks
legal and natural persons on the repair and modernization of the home.
2. Government Regulation No. 398/2002 Coll., amending Decree-Law No.
299/2001 Coll., on the use of the resources of the State Fund for housing development
cover part of the interest on loans granted by the banks to the legal and physical
persons on repair, modernisation or regeneration of panel buildings.
3. Government Regulation No. 152/2004 Coll., amending Decree-Law No.
299/2001 Coll., on the use of the resources of the State Fund for housing development
cover part of the interest on loans granted by the banks to the legal and physical
persons on repair, modernisation or regeneration of prefabricated houses, as amended by
Decree-Law No. 398/2002 Sb.
4. Government Regulation No. 325/2006 Coll., amending Decree-Law No.
299/2001 Coll., on the use of the resources of the State Fund for housing development
cover part of the interest on loans granted by the banks to the legal and physical
persons on repair, modernisation or regeneration of prefabricated houses, as amended by
amended.
5. Decree-Law No. 118/2009 Coll., amending Decree-Law No.
299/2001 Coll., on the use of the resources of the State Fund for housing development
cover part of the interest on loans granted by the banks to the legal and physical
persons on repair, modernisation or regeneration of prefabricated houses, as amended by
amended.
6. Government Regulation No. 310/2009 Coll., amending Decree-Law No.
299/2001 Coll., on the use of the resources of the State Fund for housing development
cover part of the interest on loans granted by the banks to the legal and physical
persons on the repair and modernization of houses, as amended.
§ 10
The effectiveness of the
This Regulation shall enter into force on the fifteenth day following the date of its publication.
Prime Minister:
RNDr. Nečas in r.
Minister for local development:
Ing. Jankovský in r.
Annex
A list of fixes and upgrades, home, in which you can give credit to
Part And
Item No.
1 Troubleshooting the foundations of houses and repair of waterproofing the bottom construction
2 removal of static load-bearing structure malfunctions
3 Fix the external cladding and repairing relations components of external cladding
4 Fix Loggia or balconies including balustrades, replacing the original balconies with new balconies or conversion
balconies on the loggia and with increasing the usable floor area of the new balcony or
Loggia in connection with used building technology
5 implementation of additional thermal insulation of curtain wall neprůsvitného
6 Replacement external doors and Windows Thermo-technically, or acoustically advanced materials
7 repairs and insulation of roofs including swap bodies, such as the engine room, chimneys, etc.
8 regulation of heating system
9 the repair or replacement of conductors, the main wiring (heavy current, light current), health
-technical installations and gas, including the exchange of power meters
Part (B)
Item No.
10 the establishment of a new balcony or Loggia, glazing existing balcony or Loggia
11 Renewal submitted by the entry stairs and railings, walls and floor tiles
Fix 12 fire-fighting equipment and structures
13 Insulation selected internal structures
14 the right of the layers and the construction of floors, walls and ceilings in the public areas, corridors,
fix stairs and entrance area, including boxes and lighting
15 central control of heating system Improvement, upgrading of the heating system, including the use of renewable
sources of energy that can be associated with the Exchange and, where appropriate, distribution of radiators and the exchange of
or installing a new heat consumption meters
4 Fix the object transfer stations or engine rooms with facilities for the production of hot water
including the installation of power meters
construction of a new boiler house for 17 needs House
solar panel installation for the production of heat or hot vodydomu
19 establishment, repair or modernization of air conditioning
20 establishment of a new elevator, Elevator repair or replacement of the existing structure, including the necessary interventions to
the elevator shaft
21 the repair or replacement of the entrance door to the apartment
22 repair or modernization of the kernel including electricity, sanitary-technical installations
and gas
23 Repair or upgrading in the apartment-replacement wiring, repair of floors, walls, ceilings and doors replacement
24 the costs of project work, the necessary checks, inspections, licences, audits, technical supervision of the Commissioner ".
Annex No. 2
cancelled
Selected provisions of the novel
Article. (II) Government Regulation No. 144/2014 Sb.
Transitional provisions
1. Legal relationships arising pursuant to Decree-Law No 468/2012 Coll., as amended by
effective before the date of entry into force of this regulation, as well as the rights and
obligations incurred, shall be governed by regulation of the Government No. 468/2012 Coll. in
the version in force before the date of entry into force of this regulation.
2. in the case of an application for a loan under the Government Decree No. 468/2012 Coll. lodged
before the date of entry into force of this Regulation shall apply to the contract
of the loan and the conditions laid down for the granting of a loan the Government Ordinance No.
468/2009 Coll., in the version in force before the date of entry into force of this
of the regulation.
1) section 3 of Decree No. 268/2009 Coll., on technical requirements for the construction,
as amended by Decree No. 20/2009 Sb.
2 the ČSN EN ISO 9001) or 9002.
3) of Commission Regulation (EC) No 1407/2013 of the 18. December 2013 on the use
articles 107 and 108 the Treaty on the functioning of the European Union in support of the de
minimis aid.
4) § 103 of the construction law.
5) Commission communication on the revision of the method for setting the reference and
discount rates (2008/C 14/02) of 19 May 2003. January 1, 2008.
6) of Council Regulation (EC) no 659/1999 of 22 December 1999. March 1999 laying
down detailed rules for article 108 of the Treaty on the functioning of the European
the Union, in its up-to-date version.
7) Article. 2 point 23 of the Commission Regulation (EU) No 651/2014 of 17. June
2014, in accordance with articles 107 and 108 of the Treaty, certain
categories of aid compatible with the internal market.
