Setting The Interest Rate On Loans To Support The Purchase Of Your Home

Original Language Title: Asetus oman asunnon hankintaan myönnettävien lainojen korkotuesta

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Read the untranslated law here: http://www.finlex.fi/fi/laki/ajantasa/1982/19820672

The presentation of the Minister provides for the acquisition of the interest in respect of loans to support their own apartment on 20 August 1982 (636/82) the first subparagraph of article 5, section 6, subsection 2, and section 13 on the basis of a section 1 (30.12.1992/1637) General Interest support loan loan may not exceed 25 years of the loan, or the increase of the first batch. (25/06/2009/485)
The interest rate on the loan, and payments are due every six months, in the last days of May and November, and the amounts for the first and the last tranche of the changes resulting from the amendments, with the exception of the interest rate should be for the whole duration of the loan, shall be equal to such payment or repayment of the loan is to be made. The recipient of the loan, and a financial institution may, however, agree that the interest and principal payments are due on a monthly basis and that the payment of fees is due for payment to a maximum of two loan periods. (26.10.2000/903)
And (2) the terms of the loan can be used in any way, with the agreement of the loan changed after interest rate, no aid shall be paid.
A financial institution can terminate the loan in whole or in part, as soon as the back to the abolition of the interest rate to be paid if the payment of the refund, in whole or in part.


1. (a) section (23.10.2014/843), the maximum amount of the loan interest subsidy on loan can be accepted according to the following location of the dwelling of the vastaantulolainasta: the location of the maximum amount of the loan, an apartment, EUR 1. Helsinki 180 000 2. Espoo, Vantaa and Kauniainen 145 000 3. Other municipalities 115 000 2 section (16.12.2004/1184) the amount of the interest rate subsidy for an interest rate subsidy to be paid so far, 70% of the annual percentage rate of interest, the sum payable for that part of the aid a loan that exceeds the 3.8% of the outstanding loan from the capital.


2. (a) section (10.11.1995/1271) Plus the amount of the interest rate subsidy by way of derogation from article 2, the interest rate is fixed, the aid shall be paid for the time being the interest rate on a loan, 40% of the aid to be recovered, if the apartments in the purchase or the extradition treaty between 1 November 1995 and has been on December 31 1996.
The amount of the interest-rate subsidy, however, is up so high that the borrower pay the remainder interest is at least 4% a year for the loan of the remaining capital.


section 3 of the Interest payment of the rebate to pay for the credit institution to have the State Office twice a year on the application of the credit institution.


section 4: control of the State Treasury must be supplied to the municipalities granted interest rate subsidies. The authority shall check that the expenditure complies with the law.
Loan operations involving interest-rate subsidies shall, in writing, to the rental of an apartment. Article 5 (26.11.1993/1007), entry into force this Regulation shall enter into force on 1 October 1982.

The change of the date of entry into force and the application of the acts: 30.12.1992/1637: This Regulation shall enter into force on 1 January 1993.
Section 1 of the regulation of the Competition Act (1) and (4) shall apply only in respect of interest subsidies for loans, which will be granted after the entry into force of this regulation under the building. In the past, under the agreement, the interest-rate subsidy to be granted to the housing savings loan is still more than 15 years.




26.11.1993/1007: This Regulation shall enter into force on 1 December 1993.




12 September 1994/817: This Regulation shall enter into force on 1 October 1994. Before 1 January 1993, the interest rate of the loans of the housing savings support agreements shall, however, continue to section 2 of the provision as it is upon the entry into force of this regulation.




10.11.1995/1271: This Regulation shall enter into force on 1 December 1995. The regulation also applies before 1 January 1993, the interest rate of the loans under the housing savings support contracts, the purchase, or if the apartments in the extradition treaty between 1 November 1995 and has been on December 31 1996.




26.10.2000/903: This Regulation shall enter into force on 1 March 2001.
Before 1 January 1993, the interest rate of the loans of the housing savings support agreements shall, however, continue to section 2 of the provision as it is in regulation 773/1993.
On 1 January 1993 and subsequent agreements under the building, before the entry into force of this Regulation shall, however, remain the interest rate subsidy for loans brought 2 of the provision as it is upon the entry into force of this regulation.




8.2.2001/115: This Regulation shall enter into force on 1 March 2001.
This regulation repeals the interest rate on the loans for the purchase of their own home on the conditions of the aid of the Council of State decision (1100/1988), however, in such a way that the provisions of section (1) and (4) shall continue to apply the interest rate subsidy for loans, which has been raised, or raised on the building prior to 1993, on the basis of the agreement.




of 4 October 2001/837: This Regulation shall enter into force on 1 January 2002.
Before the entry into force of the regulation may be to take the measures needed to implement it.




16.12.2004/1184: This Regulation shall enter into force on 1 June 2005.
Before 1 January 1993, the interest rate of the loans of the housing savings support agreements continue to apply to the provision of article 2, as it is in regulation 773/1993.
On 1 January 1993 and subsequent agreements under the building, before 1 March 2001, the interest-rate subsidy for loans brought article 2 shall continue to apply to the rule as it is a regulation 814/1994.
Notwithstanding the provisions of paragraphs 2 and 3 of the Act provides, in the case of loans with an interest rate subsidy shall be paid to the deceased in these annual percentage rate of interest on the part of the aid a loan that exceeds the 3.8% of the outstanding loan from the capital.




25/06/2009/485: This Regulation shall enter into force on 1 July 2009.
Prior to 1 July 2009, the provisions continue to apply to the drawn loans, however, as they are upon the entry into force of this regulation.




23.10.2014/843: This Regulation shall enter into force on 1 November 2014.
Before 1 November 2014 the provisions continue to apply to the drawn loans, however, as they are upon the entry into force of this regulation.