The Housing Savings Premium Setting

Original Language Title: Asuntosäästöpalkkioasetus

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Read the untranslated law here: http://www.finlex.fi/fi/laki/ajantasa/1992/19921636

The Ministry of the environment within the scope of the issues to deal with the presentation of a specific Minister on 30 December 1992 provides for the housing savings premium law (1634/92) under section 5, and section 12 of article 1 of the agreement on the basis of the housing building savings contract shall be in writing and shall include the terms of the deposit.
Building it is not possible to restrict the right of the depositor to be acquired under the contract the apartment.


section 2 of the terms of the Treaty of the provisions of the housing savings must be based on the number of vastaantulolainan and the maturity structure of the interest subsidy on the interest on the loan, as well as the establishment of the reference rate. A financial institution can take the objective of the date of the order, the housing conservation vastaantulolainaan under which the depositary is no more than justified.
The housing savings, in view of the security agreement must be agreed upon the granting of the vastaantulolainan bases. A financial institution may, at a later date during the savings will require additional collateral only in the event that the agreed value of the collateral is significantly impaired. A financial institution shall without delay inform the depositary.
A financial institution will need the housing savings, when the contract is concluded, to find out the asuntosäästötallettajalle the general terms and conditions relating to the rights of the depositary, the depositary of the agreement in relation to the economic significance and which are an essential element.


Article 3 of the agreement on the transfer of housing savings and more of an interest to run If the housing savings bank deposit agreement is transferred to another, having to respond to the receiving financial institution until the deposit is also accumulated more of the interest rate.


section 4 of the criteria for building premium Asuntosäästötallettajalle of the law within the meaning of article 3 (2) of the residence is also considered a person abroad owned homes.
Asuntosäästötallettajaksi can also take a foreign national.


section 5 (25/06/2009/486) to Deposit the amount of the premium account on kalenterivuosineljänneksittäin items in the tasks of the Housing savings deposits are to be at least 150 euros and up to € 3 000.


(5) (a) section (on 19 April 2000/407) in the housing of the savings deposit interest rate to be paid for the amount of the Housing savings deposit interest rate and pay the annual interest rate is one percent.
For more of the interest rate must be at least two and not more than 4% per year.


Article 6 entry into force this Regulation shall enter into force on 1 January 1993 and since 19 December 1980 of housing savings premium regulation (863/80) the subsequent modifications.
After the entry into force of the regulation shall continue to apply to the housing savings premiums of the repealed article 3(1) of the regulation, in the form in which it is in force at the date of entry into force of this regulation.

The change of the date of entry into force and the application of the acts: on 19 April 2000/407: This Regulation shall enter into force on 1 June 2000. It shall also apply before the entry into force of the regulation, the housing savings premium law (1634/1992), however, the building under the agreements, in such a way that additional interest is building an agreed in the contract.




of 4 October 2001/836: 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.




25/06/2009/486: This Regulation shall enter into force on 1 July 2009.