Key Benefits:
See the copyright notice Conditions of use .
The presentation of the Minister for the Environment under the responsibility of the Ministry of the Environment is governed by the Code of (189/93) And the law on the use, transfer and redeematolling of aravarented dwellings and leased houses (1190/93) Articles 12, 18 and 25 Pursuant to:
The municipality will decide on the annual search periods for the reserve assets as instructed by the State Housing Fund.
An application for an Aravalina and a housing limited company house shall be submitted to the municipality.
For one year or two years after approval of the house, you have to apply for a housing loan and a housing loan for one year or two years. The same period of application shall also apply to a self-employed person in the event that the loan is the subject of a house which is under construction or a newly-completed building for which no Aravalent has been granted.
In the first two years of the first two years, the conversion of a basic improvement loan to a basic improvement loan for the dwelling facility must be applied.
In the case of a home-house purchase loan, purchase of housing shares, a tenancy loan and a tenancy loan shall be applied for six months or, for special reasons, within one year of the date of the delivery of the contract. If the contract for the acquisition of a loan or of a tenancy loan is the municipality or the municipality of residence, the application period begins when the contract is awarded and when the authority's decision to acquire the shares or house has become final.
An application for a transfer of Aravala shall be submitted to the municipality. The municipality shall submit an application for the transfer of a loan granted by the State Housing Fund to the Treasury.
The application shall be accompanied by an explanation of the fact that the transferee or the new owner takes the loan against the loan, as well as the other explanations provided by the transferring authority. The municipality shall inform the Treasury without delay of the transfer of the loan and the amount of the annual fee for the loan and the level of the loan after the transfer.
The application for a loan for a loan or a basic improvement loan shall be accompanied by the opinion of the rural economy authority of the municipality of the house where the loan is sought for a holding or territory:
1), which includes more than five hectares of agricultural land or which meets the rural economy (1295/90) in Article 13 , the owner or the holder of which carries out farming or forestry activities on his own behalf;
(2) the purchase of which, or for which investments made for investment, is the subject of the Rural Business Act, (161/90) , the Nature Business Act (610/84) Or the three (10,16) By virtue of a loan or grant; or
(3) the owner or holder of which receives more than half of his taxable income from a special agricultural or small business activity in the EAFRD, or from fishing or reindeer husbandry in addition to the farm economy.
When applying for an Arab loan, see:
(1) Residential building The house and associated housing facilities, where the accommodation of accommodation and accommodation facilities is equal to or greater than 75 % of the total area of the apartment, unless the granting authority is responsible for the specific reason; Lower the share;
(2) Building block A combination of two or more residential buildings constructed according to a single regional planning plan;
(3) Self-domestic A residential building consisting of one living quarters or, for specific reasons, two residential dwellings, intended primarily for the owner's own household; and
(4) For a housing estate Residential building, which is immediately intended to be used as rental apartments for use after approval of the building.
In the construction group, the share of apartments in the apartment sector is calculated according to the whole of the construction group.
In the case of a renovation loan for rental, one of the apartments in the house may be owned by the owner of the house.
The loan value of the object of the Aravala shall be determined for the purpose of calculating the amount of the Aravalent. In addition to the billing value, the size of the loan is affected by the (189/93) Of the European Union.
The loan value of the building loan, the construction loan, the construction-time loan, the construction loan, the rental house loan and the rental mortgage loan shall include accepted construction costs and reasonable accommodation for the purchase of the property and the municipal technical exercise; Costs.
The purchase price shall be included in the loan value of the acquisition loan, the purchase loan of the dwelling stock, the acquisition loan of the rental house and the subject of the subject matter of the tenancy loan.
The loan value of the subject of a long-term housing improvement loan shall include the eligible basic improvement costs and the reasonable cost of drawing up a fitness assessment and a long-term maintenance plan. (5.6.1998403)
The acquisition value of the target of Aravalina is laid down in order to check the maximum permissible maximum amount of Aravalent and the law on the use, transfer and redemption of arva-leased dwellings and leased houses (1190/93) In order to determine the prices.
The purchase value of a purchaser, a private house loan, a construction loan, a construction loan, a tenancy loan and a tenancy of a tenancy loan shall be deemed to be the value of the loan, plus all or part of the value of the plot obtained free of charge.
The purchase value of a housing stock loan, a housing stock loan, a rental mortgage loan and a rental mortgage loan is considered to be the value of the loan, plus a reasonable fertile value of the property received free of charge, and The apartment section of the company's loans.
The acquisition value of a basic improvement loan for a parent-house loan, a basic improvement loan for a Community loan and a basic improvement loan, shall be considered as the reasonable fair value of the building and the country, plus the basic improvement at the approved cost and their The costs of the measures which are not accepted for areduction.
If the subject of the Aravalina is located on a landmark, the land lease law must be capable of being transferred to a third person without consulting the owner. Rent house, land-house purchase and long-term housing renovation loan can only be granted if the lease has prohibited the termination of the contract during the loan period. (8.12.1995/1403)
The granting of a loan for a loan for a housing loan, rental house loan, rental house loan, rental house loan or long-term housing loan is subject to the lease of the remaining lease period of at least 45 years. In order to grant a basic improvement loan for a sow, a private house loan, a basic improvement loan of a household, or a basic improvement loan, the remaining period of rent must be at least 35 years. The issuing authority may, for a specific reason, approve a shorter lease period.
The issuing authority may, having verified the existence of the general conditions laid down in Article 5 of the Araval Law, approve the loan decision as part of the project's construction plan and costs. The construction works can be started after this.
The issuing authority may authorise the commencement of the work prior to the beginning of the work. If the work has started without authorisation, the loan can be granted only for a specific reason.
In the loan decision, the issuing authority accepts the target's financing plan, the construction plan and the costs, unless they have already been approved, and confirms the value of the loan, the acquisition value and the size of the loan.
The Housing Fund shall approve the construction and financing plan, costs, loan value and the purchase value of the housing stock companies eligible for an approved housing stock.
The Housing Fund has the right to provide procedural guidelines for the management of arrears falling within the competence of the Housing Fund.
A long-term loan improvement loan shall not be raised until a fitness assessment has been carried out and a long-term maintenance plan has been submitted.
When considering the general conditions laid down in the Arab law, consideration must be given, in particular, to the fact that the cost of housing in the event of a loan remains reasonable and that the persons who carry out the target are financially sound and are on the right Withholding and other obligations incumbent on the employer.
With regard to the loan granted by the Housing Fund, in the case of loans granted by the borrower and the municipality, the municipality orders the loans from the Treasury. The State Treasury shall pay the instalments to the borrower's account after the fulfilment of the conditions laid down in Articles 12 to 14 and 17 and the other conditions for raising the loan.
The instalments of the housing component may be paid directly to the seller of the dwelling if the borrower has agreed to this. The loan instalments shall be sought in accordance with the instalments of the transaction price.
A building permit has been issued for the purpose of construction of the Aravalmaterial until a construction permit is issued for the purpose of the loan.
Once the construction work is started, a maximum of 10 % of the Aravalina can be reconsidered.
With the exception of advances, Aravala can be raised in instalments in such a way that the value of the property corresponds to the previously raised part of the loan plus the sum of the loans raised and raised by the better privilege of the property.
The last instalment of the loan cannot be lifted until the completion of the work has been completed. The amount of the last instalment shall be at least 2 % of the amount of the loan granted, subject to special circumstances.
The loan period shall indicate the stage of construction work by means of a certificate issued by the Authority or by other reliable means. However, the certificate shall not be required for the payment of the loan by the municipality for the payment of the loan.
At the request of the State Treasury or the authority which granted the loan, the creditor shall provide a declaration or an explanation of the fact that the salaries paid in respect of construction work have been carried out in the correct way in advance, and that the employer also includes other The obligations have been fulfilled. If the construction works are carried out on the basis of a contract, the borrower shall require a declaration or an explanation from the main contractor and, where appropriate, from other contractors. If an acceptable insurance or explanation is not provided, the payment of instalments may be suspended.
The purchase of an Aravala for the purchase of a house or an apartment may be increased after a loan decision, subject to Article 17.
For the purposes of the entry into force of the Act on the use, transfer and redeematolling of dwellings and leased houses in Aravalai, the issuing authority shall immediately inform it of the loan. The anchorage authority in whose territory the property is located, and the board of the company. For the purpose of amending the notification, it shall be made by the Treasury or by the municipality as regards the loan granted by the municipality.
A certificate shall be drawn up and signed by the Board of Directors or the host company stating that the particulars referred to in the notification have been entered in the documents and on the list of shares and shall transmit the certificate to the authority paying the loan.
When the property or part of the property in which the dwelling building is situated, a second real estate, a part of another property or an anchorage based on a tenancy agreement, shall be transferred to its property, Where the building is located.
The transfer may be required by the owner of the property, the holder of the property right or the lender of the property.
With the exception of advance, the rent allowance shall not be raised before a report on the conclusion of the restrictions is presented. In the case of a purchase loan and rental of a rental house, a statement shall be made before the last instalment of the loan is raised.
With regard to the loan granted by the Housing Fund, in respect of the Treasury and the municipality's loan, the municipality may, for special reasons, authorise the withdrawal of the loan, with the exception of the last instalment, even though the report provided for in paragraph 1 has not been presented.
The restriction marking shall be removed once it has been established that the restrictions have ceased to exist. The removal of a restriction marking may also be required by the owner of the property or the holder of the property lease, or by the owner of the shares to be entitled to the management of the dwelling.
The interest rate in the annual fee is calculated on the basis of the three-year average of the cost of the national euro bond borrowing costs ( The reference rate for the Aravalina ). (5.12.2001)
The State Treasury confirms the rate of interest rate referred to in paragraph 1 to the hundredth of the percentage point of the percentage of the unit at the end of July for the period from 1 March to the end of the period from 1 March onwards. (8.12.1995/1403)
The first annual fee for the sows and the dwelling share shall be calculated as from 1 March following the adoption of the house. The municipality shall notify the house of its approval within two weeks to the Treasury. However, if the loan was granted only after approval of the house, the first annual fee shall be calculated from 1 March following the decision granting the loan.
The first annual instalment of the acquisition loan and the purchase of the equity loan shall be calculated on the basis of an increase in the first instalment of the loan from 1 March of the following month.
The owner shall be subject to a fixed annual interest rate at the rate up to the date on which the first annual fee is calculated on the basis of Article 20. For the time being, the rate of the fixed rate is 60 % of the reference rate for the loan for the loan referred to in Article 19, but at least 3,15 %.
From 1 March to 1 March, the owner shall be charged with the following: (annual payment period) For the time being, the following percentages shall be deducted from the amount of interest to be calculated on the basis of the reference rate referred to in Article 19:
| Annual payment period | Decreased percentage |
| 1 TO 5 | 45 |
| 6 TO 10 | 35 |
| 11 TO 15 | 25 |
| 16-20 | 0 |
However, the rate of interest shall always be at least 3,15 %.
The annual fee for the reserve fund shall include the interest rate calculated in accordance with Article 21 and the following instalment to be calculated from the initial capital:
| Annual payment period | Brief as % |
| 1 | 0.75 |
| 2 | 1.00 |
| 3 | 1.25 |
| 4 | 1.50 |
| 5 | 1.75 |
| 6 | 2.00 |
| 7 | 2.50 |
| 8 | 3.00 |
| 9 | 3.50 |
| 10 | 4.00 |
| 11 | 4.50 |
| 12 | 5.00 |
| 13 | 5.75 |
| 14 | 6.50 |
| 15 | 7.25 |
| 16 | 7.75 |
| 17 | 8.75 |
| 18 | 10.00 |
| 19 | 11,00 |
| 20 | 12.25 |
Articles 23 to 24 have been repealed by A 13.1.1995/47 .
In order to mitigate the financial difficulties caused by reasons beyond the limit of the borrower, the municipality, on application of the loan, may decide that the instalment and interest rate included in the annual fee shall be deferred. The suspension may be granted for a maximum of seven years. The deferred instalments shall be paid not later than 25. By the end of the loan year. (7.2.1997/119)
The beneficiary shall submit an application to the municipality not later than three months before the due date of the instalment of the annual payment. For a specific reason, the application may be processed and settled, even if the application has not been made during the prescribed period.
The decision to postpone the decision can only be made on the basis of two instalments and interest payments included in the annual fee. Decisions on one loan may relate to a maximum of 10 instalments and instalments. (7.2.1997/119)
Paragraph 26 has been repealed by A 13.1.1995/47 .
The payment of abbreviations for the basic improvement loan and the basic improvement loan for the dwelling house shall begin in the calendar year which, after three years, shall first be accompanied by an increase in the first instalment of the loan. The loan cuts are as follows:
| Year | Reduction percentage (original capital) |
| 1 | 0 |
| 2 | 0 |
| 3 | 0 |
| 4 | 2 |
| 5 | 2 |
| 6 | 3 |
| 7 | 3 |
| 8 | 3 |
| 9 | 4 |
| 10 | 4 |
| 11 | 4 |
| 12 | 4 |
| 13 | 4 |
| 14 | 6 |
| 15 | 6 |
| 16 | 7 |
| 17 | 7 |
| 18 | 13 |
| 19 | 14 |
| 20 | 14 |
The interest rate on the loan is up to 6 % a year.
In order to mitigate the financial difficulties caused by reasons beyond the limit of the borrower, the municipality may grant a deferral of the repayment of the loan instalments and interest payments for a maximum of seven years. The abbreviations and interest rates may be deferred in later loan instalments or the last year immediately in the following years. The deferred instalments shall be paid within the maximum period referred to in Article 11 (2) of the Araval Law. (7.2.1997/119)
The postponement requires that:
1) in the light of the report presented, the borrower is in need of assistance; and
2) the deferral is possible within the limits of the ceiling laid down in the State budget.
An application for a deferral shall be submitted to the Municipality not later than three months before the expiry of the instalments and the interest rates which the application refers to. For a specific reason, the application may be processed and settled, even if the application has not been made during the prescribed period.
It follows that the ceilings laid down in the State budget are not exceeded. In order to establish this, the Treasury may, if necessary, declare that the municipality has to request the opinion of the Treasury before deciding whether to grant a deferral within the limits of the maximum quantity.
A construction loan shall be recovered at one time to the extent that it has not been transferred as a housing equity loan or a rental mortgage loan to the shareholders.
For the time being, the interest rate on the construction loan is 8 %.
The reductions in the basic Community loan, calculated as a percentage of the initial capital, are as follows:
| Year | Short for short |
| 1 | 1 |
| 2 | 2.5 |
| 3 | 2.5 |
| 4 | 6 |
| 5 | 8 |
| 6 | 10 |
| 7 | 13 |
| 8 | 16 |
| 9 | 19 |
| 10 | 22 |
For the first two years, the interest rate on the Community loan for improvement is 3 % and 6.0 % per year for the following years. (26/09/1079)
Rent-arrets may be charged as annual instalments, as provided for in Articles 32 to 35 and 36. The abbreviation of a loan for a loan, a tenancy loan, a rented house loan and a rental loan can, as an alternative, be fixed in accordance with Article 35a as an alternative.
With the exception of the temporary leasing loan, the basic improvement loan for short-term rental is subject to a fixed annual interest rate on the amount of loans to be drawn up until the date on which the first annual fee is to be calculated or including 35 The abbreviations set out in Article A shall begin. (25.9.2003)
The fixed interest rate for the loan of a loan, a tenancy loan, a mortgage loan, a mortgage loan and a rented dwelling loan is equal to the basic amount of the basic ownership referred to in Article 37. The fixed interest rate for the long-term housing renovation loan is currently 3.8 % of the loan. However, if the loan is granted to the basic improvement of the housing court, the fixed rate is 4 % of the loan.
The first annual fee for the lease shall be calculated or abbreviated from 1 March following the entry into service of the house. The loan period shall be notified to the Treasury within two weeks of the adoption of the house.
The first annual instalment of the contract for the purchase of a rental house loan, rental house loan and rent-a-dwelling loan shall be calculated or reduced from 1 March following the start of the first instalment of the loan.
The first annual fee for the long-term housing improvement loan is to be calculated from 1 March, which follows six months from the decision granting the loan.
For specific reasons, the granting authority may, upon application by the borrower, order the first annual instalment of the loan referred to in paragraphs 2 or 3 to be calculated or shortened from a later date. The loan period shall be submitted to the Authority no later than three months before the date on which the first annual fee has been fixed or the payments have begun. For a specific reason, the application may be processed and settled, even if the application has not been made during the prescribed period.
The first annual instalment of the loan is 3.7 % of the loan, the first annual fee for the loan loan, the rental house loan, rental house loan and rental. However, the first annual fee for the purchase or construction of a housing court is 3,9 % of the amount of the loan.
The first annual fee for the long-term housing improvement loan is 3,8 % of the loan amount. However, the first annual taste of the long-term renovation loan of the residence is 4 % of the loan.
The loan shall be limited to a maximum of 45 years.
With regard to the loan granted by the Housing Fund, in respect of the loan granted by the State Treasury and the municipality, the municipality may, on application by the borrower, reduce Article 17 (4) of the (1920/2003) On the basis of the annual fee for the rental of a house loan or of a rented housing loan, up to a maximum of so much that (408/1975) The level of housing expenditure is achieved.
The annual fee for the long-term housing improvement loan may be reduced, on the basis of the criteria set out in paragraph 1, for a maximum period of five years. Five years after the reduction, the annual fee will be returned to the level at which it would have been reduced in the first year of the rebate. Unless the reduction referred to in this paragraph has been made first, the annual fee or abbreviation of the other loans shall not be reduced.
The annual fee may be waived if the owner of the house has not assimilated the rental houses of the house into a single company or, for a justified reason, the appropriate units, balancing the houses of the houses, or if the owner has failed to do so. Measures enabling the rent to be reasonably priced.
The annual fee shall be reviewed by the State Treasury for each calendar year from 1 March of each calendar year.
The annual fee shall be adjusted on a percentage basis. The amount of the revision of the annual fee for the purchase of a loan, a tenancy loan, a mortgage loan, a mortgage loan and a tenancy loan corresponds to the change in the consumer price index. The revision of the annual fee for the long-term housing improvement loan corresponds to the change in the consumer price index, plus 1.5 percentage points. However, the change in the cpi shall take account of a maximum of 10 %.
From 1 March to 1 March following the end of March of the following year ( Grace period) The original capital, calculated as follows:
| Reduction period | Reduction percentage of the initial capital of the loan |
| 1 | 0.20 |
| 2 | 0.25 |
| 3 | 0.35 |
| 4 | 0.40 |
| 5 | 0.45 |
| 6 | 0.50 |
| 7 | 0.55 |
| 8 | 0.65 |
| 9 | 0.70 |
| 10 | 0.75 |
| 11 | 0.85 |
| 12 | 0.90 |
| 13 | 0.95 |
| 14 | 1.05 |
| 15 | 1.10 |
| 16 | 1.20 |
| 17 | 1.30 |
| 18 | 1.40 |
| 19 | 1.45 |
| 20 | 1.50 |
| 21 | 1.60 |
| 22 | 1.65 |
| 23 | 1.75 |
| 24 | 1.95 |
| 25 | 2.15 |
| 26 | 2.40 |
| 27 | 2.60 |
| 28 | 2.90 |
| 29 | 3.15 |
| 30 | 3.45 |
| 31 | 3.75 |
| 32 | 4.05 |
| 33 | 4.40 |
| 34 | 4.80 |
| 35 | 5.15 |
| 36 | 5.80 |
| 37 | 6.60 |
| 38 | 7.65 |
| 39 | 8.45 |
| 40 | 9.25 |
By way of derogation from the provisions laid down in paragraph 1, where a fixed abbreviation reserve has been granted for a housing court, it shall be reduced as follows:
| Reduction period | Reduction percentage of the initial capital of the loan |
| 1 | 0.35 |
| 2 | 0.40 |
| 3 | 0.45 |
| 4 | 0.55 |
| 5 | 0.60 |
| 6 | 0.65 |
| 7 | 0.75 |
| 8 | 0.85 |
| 9 | 0.90 |
| 10 | 1.00 |
| 11 | 1.05 |
| 12 | 1.15 |
| 13 | 1.25 |
| 14 | 1.30 |
| 15 | 1.40 |
| 16 | 1.45 |
| 17 | 1.55 |
| 18 | 1.60 |
| 19 | 1.70 |
| 20 | 1.75 |
| 21 | 1.85 |
| 22 | 2.05 |
| 23 | 2.30 |
| 24 | 2.55 |
| 25 | 2.80 |
| 26 | 3.05 |
| 27 | 3.35 |
| 28 | 3.65 |
| 29 | 3.95 |
| 30 | 4.30 |
| 31 | 4.65 |
| 32 | 5.00 |
| 33 | 5.40 |
| 34 | 5.85 |
| 35 | 6.30 |
| 36 | 6.75 |
| 37 | 7.25 |
| 38 | 8.25 |
With regard to the loan granted by the Housing Fund, in the case of a loan granted by the State Treasury and the municipality, the municipality may, on application by the borrower, draw up a flat-rate reduction table pursuant to Article 17 (4) of the Araval Code. Abbreviations may be reduced to a maximum of so much as to achieve the level of housing expenditure referred to in Article 7 of the Housing Act.
The abbreviation may not be reduced unless the owner of the house has assimilated the rental houses of the house into a single company or, for a reasoned reason, the appropriate units, balancing the houses of the houses, or if the owner has failed to do so. Measures enabling the rent to be reasonably priced.
If, under the arrears Act, the rental house is deemed to be a property owner, the residence and transfer restrictions are released, or the apartment, the State Treasury reduces the annual rental fee by the amount corresponding to the share of the For an annual fee. In the case of a flat-rate loan, the State Treasury reduces the amount of the calculation basis by the amount corresponding to the original amount of the loan.
The interest rate on the purchase loan of a loan of a loan, a tenancy loan, a rental mortgage and a rental loan is based on the interest rate corresponding to the three-year average interest rate of the 10-year government bonds denominated in euro.
The State Treasury confirms the percentage of the rate of interest referred to in paragraph 1 to the hundredth of the percentage of the unit at the end of July for the period from 1 March to the end of the period from 1 March to the end of the year. (25.9.2003)
The basic deductible responsibility of the borrower is 3,4 % of the interest rate on the acquisition loan of the leased loan, the rental house loan, the rental mortgage and the rental loan.
If the reference rate referred to in Article 36a exceeds the amount of the basic ownership, the amount of the rent loan, the rental loan, the rental mortgage loan and the interest rate charged on the purchase loan shall be calculated by adding to the amount of the basic ownership interest rate For the time being, the percentage of the proportion of the reference rate that exceeds the basic ownership is in accordance with the following table.
| Annual fee or grace period | Percentage |
| 1 | 5 |
| 2 | 7 |
| 3 | 9 |
| 4 | 11 |
| 5 | 13 |
| 6 | 16 |
| 7 | 18 |
| 8 | 20 |
| 9 | 22 |
| 10 | 26 |
| 11 | 30 |
| 12 | 34 |
| 13 | 38 |
| 14 | 42 |
| 15 | 46 |
| 16 | 50 |
| 17 | 54 |
| 18 | 58 |
| 19 | 66 |
| 20 | 74 |
| 21 | 82 |
| 22 | 90 |
| 23 | 98 |
| 24 - | 100 |
If the rental house or the lessee is granted for the purposes of the housing court, the amount of the basic ownership shall be added as a percentage of the reference rate exceeding the basic self-responsibility, as specified in the following table:
| Annual fee or grace period | Percentage |
| 1 | 10 |
| 2 | 12 |
| 3 | 14 |
| 4 | 16 |
| 5 | 18 |
| 6 | 21 |
| 7 | 23 |
| 8 | 25 |
| 9 | 27 |
| 10 | 31 |
| 11 | 35 |
| 12 | 39 |
| 13 | 43 |
| 14 | 47 |
| 15 | 51 |
| 16 | 59 |
| 17 | 67 |
| 18 | 75 |
| 19 | 83 |
| 20 | 91 |
| 21 | 99 |
| 22 - | 100 |
The size of the interest rate on the long-term housing improvement loan has so far been reflected in the change in the consumer price index plus 3.6 percentage points. The rate of interest on the loan granted for the basic improvement of the housing court has so far been the change in the consumer price index plus 4 percentage points. However, if the loan is subject to a building of historical or architectural value, or if the loan has been granted mainly in order to convert a building other than that of residential use to a residential building, the rate of interest is so far Changes in the consumer price index plus 2 percentage points.
If the interest rate determined in accordance with paragraphs 1 to 4 exceeds 6,0 %, the excess shall not be recovered.
Paragraph 38 has been repealed by A 5.6.1998/403 .
However, by way of derogation from Article 37, the interest rate charged for the annual fee shall not exceed the annual rate of the annual fee for each loan.
The reductions in the initial capital improvement loan for short-rent housing are as follows:
| Year | Short for short |
| 1 | 1 |
| 2 | 2.5 |
| 3 | 2.5 |
| 4 | 6 |
| 5 | 8 |
| 6 | 10 |
| 7 | 13 |
| 8 | 16 |
| 9 | 19 |
| 10 | 22 |
For the first two years, the interest rate on the short-term improvement loan is 3 % and 6 % per year for the following years.
A tenant wishing to redeem the shares to be taken under the control of the dwelling that he takes on the lease ( Self-redemption and ), a written notification shall be made to the municipality and to the owner of the shares.
In the event of a notification, the guide shall perform the redemption price in accordance with Article 12 (3) of the Law on the use, transfer and repurchase of caravan rental houses and leased houses.
The municipality may grant a loan to the holder of the loan and, in the case of an overcompensation payment for the owner of the shares, a deferral for the payment of the redemption price up to the maximum amount of the redemption price up to the date of the redemption of the shares in the The purchase price is to be increased.
The municipality has a lien on the shares to be redeemable at redemption, as well as the amount of the loan and the collection costs, until the redemption price and the amount of the loan calculated for the shares have been fully paid.
Where a copy of a claim has been made by a repurchase and a loan or loan of a loan or loan, to the extent that their payment has not been granted, the transfer of ownership of the shares to be redeemed shall be transferred to the For the redeemer.
The municipality shall draw up a transfer document between the donor and the originator of the donor and, subject to the rights of the borrower, the release of the shares without delay to the originator.
The municipality should be without delay to carry out the transfer fee referred to in Article 10 of the Act on the use, transfer and redeematolling of arva-rented dwellings and cashier houses. Similarly, the municipality must hold without delay the difference between the redemption price and the surrender allowance paid to the municipality and the amount of the loan calculated for the redeemed shares in so far as the performance is not offset for the purpose of redemption The loan is granted.
The instalments of the annual instalments of Aravala and the interest payments and interest rates are due half-yearly on the last day of February and August.
The State Treasury may, on application by the borrower, accept the last day of February, June and October, if justified by the maturity of the loan, if justified by the maturity of all the loan maturities of the loan. In proportion to the cost of the Community's rent or use.
The calculation of the annual fee for the annual fee and the interest rate in the annual fee shall be calculated on the basis of a change in the consumer price index established by the statistical centre at the end of July or at the end of July of the calendar year preceding the date of the adjustment or revision of the price index. Over a period of 12 months ending.
If an adjustment of the annual instalment of the loan or interest rate on the basis of the index is negative, the annual fee shall not be adjusted and the interest rate shall be equal to 0 %.
If the amount of the loan is adjusted after the loan has been granted, the Housing Fund will be corrected by the State Treasury and the municipality granting the municipality the amount of the annual fee. In this case, the annual fee shall be increased or reduced in proportion to the percentage change in the amount of the loan. (5.12.2001)
If the decision is made before the first instalment of the annual fee, the amount of the annual fee shall be corrected from the beginning of March. Otherwise, the annual fee will be corrected from the beginning of March.
The Authority shall immediately inform the Treasury of the correction of the annual fee.
The beneficiary of the Aravalina shall have the right to carry out a loan more than the amount or shortening of the annual fee. The additional performance does not affect the revision of the annual rental fee. (13.1.1995/47)
If the additional reduction in the basic loan for a basic improvement loan or a short-term rental loan is due to repayment of the loan component of an individual dwelling, the Treasury shall draw up a new condensing plan for the outstanding capital The original loan period without being shortened.
The municipality shall pay the government back to the housing fund on the third day of each due date. This period shall not be remunerated at the interest rate and the abbreviation.
In the event of delay in payment of the instalment of the annual instalment or of the interest or repayment of the loan, the amount of the late payment shall be paid per year from due date. Article 4 of the Corinth Act The interest rate referred to in paragraph 3. (8.12.1995/1403)
With regard to the loan granted by the Housing Fund, the municipality and the municipality with regard to the loan granted by the municipality may, for special reasons, grant the lender relief from the payment of interest on late payment.
In the event that the municipality has submitted a loan equivalent to a loan equivalent to a total or partial amount of the loan, the Treasury may, within the time limit laid down by the Municipality, provide a breakdown of fees paid by the municipality to the municipality of the borrower, and The remaining capital of the loans.
In the context of the transfer of the management of the collateral referred to in Article 33 (2) of the Araval Office, the municipality should, in the context of the transfer of collateral, imprint the transfer of rights in a manner determined by the Treasury.
When the assets pledged or foreclosed for the loan claim referred to in the Aravalai are sold at auction, the property may be purchased to the State in the interest of the State. The office of the State Treasury shall, after consulting the Housing Fund and the Construction Board, supervise the interests of the State in the auction, unless it is a loan quoted by the municipality.
The municipality shall inform the local authority of the municipality's knowledge of future foreclosure.
The Treasury decides on the use of property bought by the State. If the property is decided to keep the government, it will be under the control of the building government.
The Housing Fund or State Treasury may authorise the use of forms for the use of forms in Arava, for the use of arva-hire houses and for caravan rental houses, by the law on the transfer and redeemability of buildings, and the making of applications or declarations referred to in this Regulation. For. At the same time, the explanations given in connection with the application or notification may be provided.
The object of the Aravalina must be kept sufficiently insured. However, no insurance is required if the subject is owned by a municipality or a consortium of municipalities.
In accordance with Article 36 of the Araval Law, the use of Aravalina in accordance with the provisions and provisions adopted pursuant to it and in accordance with the terms and conditions of the loan is also subject to checks by the State Housing Fund and the other reserve authorities. Compliance with the construction and contracting procedures.
The municipality is required to notify the State Treasury of the annual recovery of the reserves of Aravala, as referred to in Article 31 of the Araval Act.
For the purposes of the first instalment of the first tranche, the loan year shall mean a period of 12 months following the increase in the first instalment of the reserve.
Article 58 has been repealed by A 14.2.2003/131 .
This Regulation shall enter into force on 1 January 1994.
However, Article 11 shall apply from 1 February 1994.
The provisions of this Regulation shall also apply to loans granted in respect of the housing (247/70) In 1990 or later. The interest rate laid down in Article 38 of this Regulation is levied on a loan under the housing Act.
However, by way of derogation from Articles 19 and 26 of this Regulation, loans granted under Article 6 (1) (5) and (6) of the Housing Production Act shall be remunerated at a lower interest rate than that laid down in Article 28b of the Housing Regulation.
By way of derogation from Articles 31 and 37 (1) of this Regulation, loans granted under Article 6 (1) (1) (1), (3), (3), (4), (7) and (8) of the Housing Production Act shall be levied on a lower fixed rate and on the basis of the year of issue of the loan, Interest:
1) if the loan was granted in 1990 or 1991, plus an annual revision of the annual fee by 1,5 percentage points; and
2) if the loan was granted in 1992, the annual revision of the annual fee plus 1,95 percentage points.
(14.2.2003/131)By way of derogation from Article 35 (2) of this Regulation, the annual fee for loans granted under Article 6 (1) (1) (1) (1), (3), (4) and (7) of the Housing Production Act shall be adjusted in 1994, as is the case in the Council Decision On reduction (969/93) Prescribed.
The interest rates and abbreviations for the loans referred to in Article 45 (2) of the Arab Code shall continue to be charged in accordance with the terms and conditions of the debt instruments, notwithstanding the provisions of the AOC and this Regulation.
However, the loans referred to above shall apply:
(1) Articles 3, 8, 15, 16, 18 and 48 to 58 of this Regulation, irrespective of the amount of the debt contained therein;
(2) Article 48 (2) of this Regulation, in which case the new reduction plan must always be drawn up whenever the additional reduction is due to the repayment of the loan component of the individual dwelling; and
(3) Article 50 (1) of this Regulation, after the date of entry into force of this Regulation, if the default interest rate was below the default interest rate.
The abbreviations and interest of the loans referred to above are due half-yearly on the last day of March and September. However, if the loan was granted before 1 July 1968, it will be the last day of June and December. The State Treasury may, upon application by the borrower, approve the last day of the month of the rest of the month, if this is justified, taking into account the maturity of all the loan maturities of the borrower in proportion to the Community's rent.
The interest and payments referred to in Article 46 (1) of the Arab Code may be deferred under the conditions laid down in Article 28.
The application for a reduction in the interest referred to in Article 46 (2) of the Arab Code must be submitted to the municipality not later than six months before the first due date of the eighth year of the loan. For a specific reason, the application may be processed and settled, even if the application has not been made during the prescribed period.
The application in the case referred to in Article 47 (2) of the Araval Law shall be submitted to the municipality, which shall notify its decision to the Treasury. The decision may relate only to the repayment of abbreviations and interest due following the submission of the application.
The municipality shall verify at least once a year that the dwelling is used as the residence of one or more persons referred to in Article 47 (1) of the Araval Code.
If the borrower is dead or the dwelling is not used as the residence of one or more persons within the meaning of Article 47 (1) of the Araval Code, the loan shall be notified immediately to the municipality or by the person holding the estate of the estate.
On receipt of a change in the use of the information, the municipality shall order the repayment of the instalments and interest due in the following days after the change, unless the loan is transferred to the person referred to in Article 47 (1) of the Araval Law. At the same time, the municipality shall provide that the repayment of the loans due at a later date shall be carried out in accordance with the terms of the loan. The municipality shall notify the decision to the Treasury.
This Regulation shall enter into force on 20 January 1995.
Article 33 (1) shall apply to loans granted on 1 June 1994 and thereafter.
The provisions on the ownership of the ownership of this Regulation shall apply to holdings of holdings after 1 January 1996. For the purpose of annual payments for housing (247/66) On loans granted under paragraph 1 (5) and (6) (189/93) Holdings of holding loans granted before 1 January 1996 shall continue to be subject to the provisions repealed or amended by this Regulation as they are before the date of entry into force of this Regulation in such a way as to: From the date of 1995, the interest rate shall not exceed the annual fee.
This Regulation shall enter into force on 15 December 1995.
Article 33 (1), Article 37 (1) and Article 38a of this Regulation shall apply to rent-loans granted on 1 December 1995 and thereafter. Aravalain (189/93) , before 1 December 1995, to rent-and-rent loans and to housing (247/70) In 1990 or later, the provisions on the annual fee and interest rate, as amended by this Regulation, continue to apply as they are before the date of entry into force of this Regulation, with effect from 1 January The interest rate to be recovered from September 1995 shall not exceed the annual fee for each loan.
The annual fee for the interest rate or abbreviation of the loan, which was delayed at the time of entry into force of this Regulation, shall apply to the provisions on interest on late payment in force at the time of entry into force of this Regulation. However, Article 50 (1) of this Regulation may be applied if it leads to a more lenient penalty than the previous provisions.
By way of derogation from Article 19 (2) of the reference interest rate, the Treasury, for the first time, will be in force from 1 January 1996 to 28 February 1997.
This Regulation shall enter into force on 1 March 1997. Article 28 of the Regulation applies to basic improvement loans granted on 1 January 1994 and thereafter to private individuals. Article 25 of the Regulation shall apply to the grant loans granted on 1 January 1996 and thereafter. However, Article 25 (3) of the Regulation provides for a deferral, but also the reduction of the annual fee for the loans granted between 1 January 1991 and 31 December 1995.
This Regulation shall apply to applications for reduction of the deferred or annual fee which have been lodged after the entry into force of the Regulation.
This Regulation shall enter into force on 15 June 1998.
The measures necessary for the implementation of this Regulation may be taken before its entry into force.
However, prior to the entry into force of this Regulation, and with the entry into force of this Regulation, loans for the renovation of long-term temporary housing on the basis of pending applications shall apply at the time of entry into force of this Regulation. The existing provisions.
Article 34 (4) of this Regulation applies to any reduction in the annual fee to be granted after the entry into force of this Regulation.
This Regulation shall enter into force on 1 December 1999 and shall apply to the loans granted and granted after 1 November 1999 and thereafter.
The provisions in force at the time of entry into force of this Regulation shall apply to the loans granted before 1 November 1999.
This Regulation shall enter into force on 1 December 1999.
This Regulation shall enter into force on 28 June 2000 and shall apply from 1 January 2000.
Before the entry into force of this Regulation, measures may be adopted for the implementation of the Regulation.
Article 34 (4) of this Regulation shall also apply to the annual payments of loans granted before 15 June 1998 and granted on the basis of applications pending before 15 June 1998, which are to be reduced to: The entry into force of the Regulation.
This Regulation shall enter into force on 1 January 2002.
Before the entry into force of this Regulation, measures may be taken to implement it.
This Regulation shall enter into force on 15 April 2002.
This Regulation shall apply to the grant loans granted on 1 January 2002 and thereafter. Arava loans granted before 1 January 2002 shall be subject to the ARAS Regulation as it stood at the time of entry into force of this Regulation.
This Regulation shall enter into force on 1 March 2003. It shall apply with effect from 1 March 2003 and subsequent rental and annual payments and interest rates to be granted.
Articles 31, 33 and 37 of this Regulation, as at the time of entry into force of this Regulation, shall apply before the entry into force of this Regulation, however, with effect from the date of entry into force of this Regulation, including for the construction or acquisition of a housing court. The rate of interest of the AIF shall be equal to the amount of the annual instalment plus 1,95 percentage points and the annual interest rate on the lease loan shall not exceed 5,2 % of the amount of the loan. If the reference rate referred to in Article 36a rises or falls more than 0,5 percentage points, the maximum annual interest rate on the temporary reserve loan granted before the entry into force of this Regulation shall rise or fall accordingly. When determining whether the maximum interest rate is to be increased or calculated, the reference rate in force shall be compared with the reference rate in force at the time of entry into force of this Regulation, or if the maximum rate has been subsequently amended, the reference rate is compared with the reference rate. The reference rate in force when the maximum interest rate was last amended.
This Regulation shall enter into force on 1 October 2003. However, Article 35 shall not enter into force until 1 March 2004.
Article 37 shall apply to temporary rent loans granted before 1 March 2003 and, however, in the case of long-term lease loans granted on the basis of applications submitted before 15 June 1998, Article 34 shall apply, however: As they were applied when this Regulation entered into force.
This Regulation shall enter into force on 1 January 2005.
This Regulation shall enter into force on 1 April 2007.
This Regulation shall apply to rent-based loans paid back on or after 1 January 2007 under the (1190/1993) 16, 16 (a), 17 or 17a.
Before the entry into force of the regulation, measures may be taken to implement the Regulation.
