Key Benefits:
See the copyright notice Conditions of use .
The presentation of the Minister for the Interior is governed by the Law of 20 August 1982 on the interest rate subsidy on loans for the purchase of own dwellings (639/82) Pursuant to paragraph 2, Article 6 (2) and Article 13:
The maturity of the interest rate loan shall not exceed 25 years from the date of the loan or the first instalment of the loan. (25.6.2009)
The interest and repayment payments of the loan shall be due half-yearly in the last days of May and November, and their total amount shall be the first and last tranches, with the exception of the revisions due to changes in the interest rate, The same amount or repayment shall be made in the same amount. However, the borrower and the MFI may agree that interest and repayment payments are due on a monthly basis and that payment of instalments shall not be payable in a maximum of two principal years. (26.10.2000)
The conditions mentioned in paragraphs 1 and 2 may be amended, subject to the consent of the beneficiary of the loan, after the interest subsidy is no longer paid.
The mfi may terminate the loan in full or in full if the payment of the interest rate subsidy is partially or fully suspended.
Depending on the location of the dwelling, the interest rate may be accepted for a maximum of the following part of the receiving loan:
| Location of dwelling | Maximum loan amount, EUR |
| 1. The | 180,000 |
| 2. In Espoo, Vantaa and Beautiful | 145 000 |
| 3. Other municipalities | 115 000 |
For the time being, interest payments shall be made up to 70 % of the part of the annual interest rate on the subsidised loan, which exceeds 3,8 % of the remaining capital of the loan.
By way of derogation from Article 2 above, interest-rate aid shall be paid up to 40 % of the interest rate on the interest rate, if the contract for the purchase or disposal of the dwelling was concluded between 1 November 1995 and 31 December 1996. During.
However, the size of the interest rate shall be so large that the rate of interest payable by the borrower shall be at least 4 % per annum in the remaining capital of the interest rate loan.
The credit institution shall pay the credit institution twice a year on the credit institution's application.
The State Treasury should provide local authorities with information on interest subsidies granted. The Municipal Authority must verify that the use of borrowed funds is in accordance with the law.
The beneficiary of the interest rate loan shall inform the municipality in writing. (26.11.1993/1007)
This Regulation shall enter into force on 1 October 1982.
This Regulation shall enter into force on 1 January 1993.
Article 1 (1) and (4) shall apply only to the interest rate subsidies granted under the Housing Agreement concluded after the entry into force of this Regulation. The loan period for the loan under the previous housing savings agreement shall remain valid for a maximum period of 15 years.
This Regulation shall enter into force on 1 December 1993.
This Regulation shall enter into force on 1 October 1994. However, interest rate subsidies under the housing savings agreements concluded before 1 January 1993 shall continue to be subject to the provisions of Article 2 as it comes into force at the time of entry into force of this Regulation.
This Regulation shall enter into force on 1 December 1995. The second paragraph of the Regulation shall also apply to interest-rate subsidies under the housing savings agreements concluded before 1 January 1993, provided that the purchase or transfer agreement on housing was concluded between 1 November 1995 and 31 December 1996. During.
This Regulation shall enter into force on 1 March 2001.
However, Article 2 of Regulation (ec) No 783/1993, as amended by Regulation (ec) No 783/1993, continues to apply to interest subsidies under the housing savings agreements concluded before 1 January 1993.
However, interest-rate subsidies drawn up in accordance with the housing savings agreements concluded on 1 January 1993 before the date of entry into force of this Regulation shall continue to be subject to the provisions of Article 2 as it enters into force at the time of entry into force of this Regulation.
This Regulation shall enter into force on 1 March 2001.
This Regulation repeals the decision of the Council of State on the conditions for granting interest in loans for the purchase of own dwelling (100/1988) , while the provisions of Articles 1 and 4 continue to apply to interest rate subsidies which have been raised or raised before the 1993 housing savings agreement.
This Regulation shall enter into force on 1 January 2002.
Before the entry into force of the Regulation, measures may be taken to implement it.
This Regulation shall enter into force on 1 June 2005.
Interest rate subsidies under the housing savings agreements concluded before 1 January 1993 shall continue to be subject to the provisions of Article 2 as set out in Regulation 783/1993.
In accordance with Article 2 of Regulation No 814/1994, interest rate subsidies drawn up before 1 January 1993 and subsequent housing savings contracts shall continue to apply in accordance with the provisions of Article 2.
Notwithstanding the provisions of paragraphs 2 and 3, interest-rate subsidies shall be paid in respect of these loans in respect of the part of the annual interest rate on the interest subsidy exceeding 3,8 % of the remaining capital of the loan.
This Regulation shall enter into force on 1 July 2009.
However, loans drawn up before 1 July 2009 shall continue to be subject to provisions as they enter into force at the time of entry into force of this Regulation.
This Regulation shall enter into force on 1 November 2014.
However, loans drawn up before 1 November 2014 shall continue to be subject to provisions as they enter into force at the time of entry into force of this Regulation.
