The Law On The Acquisition Of The Interest In Respect Of Loans To Support Their Own Apartment

Original Language Title: Laki oman asunnon hankintaan myönnettävien lainojen korkotuesta

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Read the untranslated law here: http://www.finlex.fi/fi/laki/ajantasa/1982/19820639

In accordance with the decision of Parliament and be subject to surveillance as provided for in section 1 of the Public: a financial institution may be granted in order to finance the purchase or construction of your home loans, for which the interest rate the State will pay the money to the institution. These loans shall be appointed in the law the interest subsidy loans.

section 2 of the interest-rate subsidy (30.12.1992/1635) loan can be approved in the housing savings premium in accordance with the law (1634/92) of the building or part of a loan for the purposes of the contract. Interest compensation does not, however, be paid to a beneficiary other than the client, if the loan under this Act has been granted a loan, or shall be paid to the interest rate support for the same purpose by the State.
The provisions of this law, shall apply by analogy to the amount of the premium referred to in the law of housing savings for homeowners.
One can be at any given time only one of the interest rate of a loan. Spouses may only be granted to one of the interest rate of a loan. As one of the interest subsidy on loan shall be considered in this case, also on the basis of the agreements of the separate building loans.

section 3 section 3 (21.12.2000/1283) has been repealed L:lla 21.12.2000/1283.

section 4 (21.12.2000/1283), the interest rate of a loan may not exceed the maximum quantity covered by the regulation of the Council of State, by region.

the interest rate on a loan with a financial institution article 5 support for inheritance of the interest rate must be lower than the interest rate, which is generally a financial institution at any given time to apply to the first home for the purpose of obtaining the corresponding loans. The cost of the fees charged by other financial institution loan shall not exceed the amount that an MFI in General at any given time to apply the corresponding loans. (30.12.1993/1635)
The general terms of the loan interest rate subsidy on loans provided for by regulation.

section 6 of the interest rate subsidy shall be paid not later than ten o'clock the first loan year. (13.5.2005/290)
The interest rate to be paid to the amount of the aid provided for in regulation at any given time.

section 7 of the Financial institution in respect of the recipient of the loan interest rate the interest rate support support for the difference between the interest on the loan and the interest rate subsidy.

section 8 section 8 (30.12.1992/1635) is repealed by L:lla 30.12.1992/1635.

section 9 (30.12.1992/1635) to the State Treasury pays the rebate money.

section 10 if the interest rate of a loan to be paid back, or if the housing or move to the new owner, other than the right to marriage or inheritance law, the payment of the rebate expired loan takaisinmaksuajankohdasta or from the date of surrender of the dwelling, subject to the 2.
The interest rate subsidy, however, can be paid after the handover, if the loan interest rate on the loan may be used again to finance the purchase of their own home.
The apartment, which is in the form of a loan, the interest rate may be for a specific reason, the rent for a maximum of two years. (26.11.1993/1006), section 10 (a) (30.12.1992/1635), the interest rate of a loan may be transferred to another financial institution, or split. A financial institution must inform the allocation of loans to the Treasury.
If two different housing loan taker obtains the common living in an apartment, lent a total of an acceptable amount shall not exceed the ceiling laid down in article 4. The maximum amount of the loan is calculated in this case, at the time of the acquisition of the common home.

section 11 (21.12.2000/1283) if the recipient of the loan has been using loan funds for any purpose other than the purpose under this law, or lend to find given the essentially incorrect information or concealed the granting of the loan, the interest rate, can be substantially affecting the support. The recipient of the loan may be in this case, the decision of the State Treasury to the State back up as the interest rate of the loan is paid by the State aid.

11 a § (7.8.2015/1050), the applicant may require adjustment in the case referred to in article 11 of the decision, as the Administration Act (434/2003).
The adjustment to the requirement of the decision may be appealed by appealing to the Administrative Court as administrative act (586/1996).
The administrative court decision may be appealed to the administrative law.
L:lla 1050/15, section 11 (a) shall enter into force on the 1.1.2016 modified. The previous wording is: (a) section (21.12.2000/1283) an applicant who is dissatisfied with the decision of the State Treasury in the case referred to in article 11 of the fact, not to have the decision within 14 days of the date of notification of the decision, an adjustment. Adjustments must be made to the issuing authority. The decision, which shall apply for the adjustment, the adjustment shall be attached to the claim. Your appeal must be dealt with as soon as possible.
The adjustment on the insistence of the decision may be appealed to the administrative law (586/1996).

section 12 (21.12.2000/1283) the State Treasury shall ensure that the rate of aid is in accordance with the law. The municipality shall ensure that the loan money is this in compliance with the law.
The interest rate on a loan to a financial institution and the beneficiary of the aid are obliged to give to the Treasury and to the information that is necessary to establish that the interest rate of a loan is used for the authorised purpose this law and in accordance with the provisions adopted on the basis thereof and the conditions of the loan has also been complied with.

More detailed provisions on the implementation of article 13 of this law shall be adopted, where necessary, regulation.

Article 14 of this law shall enter into force on 1 October 1982. vvvk. 87/82, THEY bet. 35/82, suvk. bet. 97/82 acts entry into force and application in time: 30.12.1992/1635: this law shall enter into force on 1 January 1993.
The law shall also apply to the interest subsidy to loans for housing savings premium in accordance with the law (862/80) before the entry into force of this law on the basis of the agreement on the building. These loans shall, however, remain the interest rate support section 5, subsection 1, as well as the provisions relating to compensation for the booking of credit as they are in force at the date of entry into force of this law.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY YmVM 13/273/92, 92 26.11.1993/1006: this law shall enter into force on 1 December 1993.
The apartment, which is or has been the entry into force of this law, the interest rate on a lease payment is to be taken in a total of up to two years.
THEY 172/93, YmVM/10/93 21.12.2000 1283: this law shall enter into force on 1 March 2001. If the home purchase or an extradition treaty, or a private house construction started before the entry into force of this law, shall apply to the interest-rate subsidy to quote the rules in sections 3 and 4, as of the entry into force of this law.
Before the entry into force of this law shall apply to the Protocol annexed to the State Treasury at the time of entry into force of the laws of the solution.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY YmVM 176/2000, 11/2000, EV 154/2000 13.5.2005/290: this law shall enter into force on 1 June 2005. If the home purchase or an extradition treaty, or a private house construction started before the entry into force of this law, the interest rate shall apply to the support I quote from section 6 of the competition act as it was at the time of entry into force of this law.
THEY 275/2004, YmVM 4/30/2005 7.8.2015 2005, EV/1050: this law shall enter into force on the 1 January 2016.
On appeal before the entry into force of this law shall apply to the Management Board on the date of entry into force of this law, the provisions in force.
THEY'RE 230/26/2014 2014, LaVM, EV 319/2014