Arava-Regulation

Original Language Title: Arava-asetus

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Read the untranslated law here: http://www.finlex.fi/fi/laki/ajantasa/1993/19931587

The Ministry of the environment within the scope of the issues to deal with the presentation of a specific Minister on 17 December 1993, provides for the arava (1189/93) as well as the arava rental housing and arava rental houses, donation and omaksilunastamisesta (1190/93) 12, 18 and 25: Chapter 1 section 1 of the application for the loan, a home loan, or a home with a home on filing of the application periods shall be decided by the State housing loans of the annual home of the Fund according to the instructions.
A home loan, and the adoption of the aravalainoituskelpoiseksi company, the application shall be sent to the House.


section 2 of the application deadlines and the temporary housing loan-home loan must be applied for one year or for special reasons within two years of the adoption of the use of the House. The same deadline also applies to omakotilainaan in that case, that subject is the kind of lending to under construction or newly completed House, which has not been granted for the construction of a home loan.
Perusparannuslainan amendment of the application for the community on residential perusparannuslainaksi in the first two years of the loan.
Home purchase loan, housing loan, rent House shares the acquisition loan and rental apartment purchase loan is to apply for six months or for specific reasons, within one year of when the contract is concluded. If you rent a house purchase loan or rental apartment purchase loan is to be applied for by the municipality or Federation of municipalities, the start time of the supply contract is concluded and the decision of the authority for the acquisition of the shares or the House has acquired the authority of a final decision.


section 3 of the transfer of an application for the transfer of the loan shall be a home with a loan. The municipality shall forward to the State Housing Fund, the transfer of an application for the granting of a loan to the Treasury.
The application shall be accompanied by a statement that the transferee, or a new owner to take the loan guarantees, as well as other reports by the transferring authority of the loan. The municipality shall be notified immediately to the Treasury on the transfer of the loan and the amount of the annual fee on the loan and title on the level of a home after the transfer.


section 4 of the opinion of the Rural Economic Development Authority, Omakotilainaa, home purchase loan or a private house perusparannuslainaa, the application shall be accompanied by the location of the House in rural economic development, if the loan is applied for an opinion with respect to the place or region: 1) with more than five hectares of agricultural land, or that meets rural economic development Act (1295/90), the requirements laid down in article 13, and that of the owner or holder of the exercise on your own farming or forest management;
2 the acquisition of or investment in) for the rural economy, the laws of the reindeer husbandry Act (161/90), natural food (610/84) or Skolt Act (611/86) under a loan or a grant; or 3) by the owner or holder gets more than half of the taxable income of the rural economic development in accordance with the laws of the erikoismaataloudesta, or small business in addition to the farm economy to be conducted concerning the activities or fishing or reindeer.

KolttaL 611/1984 repealed by KolttaL:lla 253/1995.



section 5 of the apartment building, the construction group, detached and tenement house shall be considered when applying for a home loan: 1) as a residential building and the associated housing immediately serve with housing and the housing of the total floor area of the premises is at least 75% of the total apartment area, unless the extent to which the loan granting authority for a special reason and accept a smaller share of;
2) building a group of two or more residential building, which will be built according to the construction of a coherent regional plan;
3) omakotitaloksi one on residential or for specific reasons, which the two on residential including an apartment building is principally intended for use by the owner of the food for the own housing; as well as 4) rental homes, apartment building, which is immediately after the adoption of the use of the building for use in rental housing.
In the area of housing construction group, the sum of the share shall be calculated on the size of the apartment building, according to the group.
Rental housing perusparannuslainaa for the granting of one of the House of the apartments may be the House of the owner of the residence.


section 6 of the size of the lending loan item enhance the value of a home provides, for the purpose of calculating the amount of the loan, a home. In addition to the size of the loan, the loan will affect government arava (1189/93) under the regulations.
Omakotilainan, housing loan, the construction site of the loan, rental house loan and rental apartment building loan to the value of an item is read from the approved loan costs, as well as how to obtain land and utilities kuntoonpanosta costs.
Home purchase loan, home loan, rental house-shares acquisition of loan and rental apartment purchase loan to the value of the purchase price of the item to read an acceptable loan.
Long-term rental housing loan value is read from the perusparannuslainan item in the perusparantamiskustannukset adopted as well as the drawing up of a long term fitness and kunnossapitosuunnitelman costs. (5 June 1998/403), paragraph 7, of the size of the acquisition loan item acquisition value provides a home with a home loan, the maximum ceiling of the revision and the arava rental housing and arava rental houses, donation and omaksilunastamisesta (1190/93) on the establishment of prices.
Omakotilainan, a private house purchase loan, construction site of the loan, the loan and rent a house rent house purchase loan for the purchase of the item is free of charge, to enhance the effectiveness of all or part of the value added to the plot of land at a reasonable fair value obtained.
Housing loan, housing loan, lease-purchase mortgage loan and lease an apartment purchase loan item acquisition value shall be deemed to enhance the value added in whole or in part, free of charge, whereas the plot at a reasonable percentage of the company's fair value and apartment loans.
Home perusparannuslainan perusparannuslainan and community rental housing perusparannuslainan item acquisition value of the fair value of the building and the land shall be deemed reasonable, plus the cost of the measures adopted in perusparantamisen costs, which are not accepted in aravalainoitettaviksi.


section 8 of the land lease contract if the home loan is located on leased land, the lease must be able to be transferred to a third person, without consulting the owner. Rent a house rent house purchase loans, loan and long term rental housing perusparannuslaina may be granted only if the rental agreement is prohibited during the termination of the loan. (8.12.1995/1403)
Housing loan, rent a House loan, rent house purchase loan, home loan, or a long term rental housing perusparannuslainan shall be granted only on condition that the lease of the remaining rental period must be at least 45 years. Omakotilainan, a private house purchase loan, home perusparannuslainan or on residential perusparannuslainan shall be granted only on condition that the remaining rental period must be at least 35 years. Loan granting authority may, for a special reason, to accept a shorter rental period.
Chapter 2 the raising of the loan the loan processing and Home section 9 of the decision of the issuing authority of the loan, the loan can be a home, after finding a home section 5 of the Act to the General requirements laid down in the decision, the existence of the first item to accept the loan as part of the construction plan, and costs. The construction work can be started after that.
Loan granting authority may grant a permit to start work in the past, laid down in paragraph 1. If work is started without a permit may be issued only to the loan, for a special reason.
A home with a loan the loan decision granting authority, approved the financial plan, building plan and the costs, if they have not already been adopted, as well as to strengthen the value of the loan, and the loan amount-.
Housing Fund will accept aravalainoituskelpoiseksi acceptable housing company house building and financial plan, the cost of the acquisition, financing, and the value of the value.
The Housing Fund has the right to issue a code of conduct for the Housing Fund is a home with a loan.


section 9 (a) (5 June 1998/403) and long-term kunnossapitosuunnitelma Long-term rental housing perusparannuslainaa not be allowed to raise before the lainoitettavasta from kunnossapitosuunnitelma and pitkäntähtäimen have been made.


Article 10 of the Housing costs and the General conditions provided for by the law of reflection, the solvency of the Arava in considering, particular account shall be taken of the fact that the cost of housing will remain at a reasonable level and the lainoitettavassa in project partners are financially sound, as well as carry out the oikeamääräisesti payroll and other obligations to the employer.


section 11 of the financial Fund for the borrower of the Loan Mortgage home loan, issued by the Committee of the status of the loan items for State konttorilta. State Office carry out items from the borrower's account after 12 to 14 and 17, as provided for by article and other payment conditions have been met.
Housing loan items can be run directly from the home to the seller, if the borrower has consented to. Loan items must to carry out, in accordance with the payments of the purchase price.


the effect of article 12 of the building permit


For the construction of a home loan may not be raising before the lainoitettavaa item has been granted planning permission.


section 13 of the Arava loan advance after construction work is started, it can be a maximum of 10% of a home loan to raise in advance.


section 14 of the schedule for a home loan can be a home with a loan, an advance, with the exception of raising the instalments in such a way that the value of the property is responsible for part of the loan, plus the previously sharp increase in real estate with better covering claims attaching to the pinned and end of the period.
The last batch of the loan will not be increased before the end of the work is carried out in accordance with the building permit. The last of the lot must be at least 2% of the amount of the loan amount, unless specific reasons.
The borrower should be directed to the construction phase of the building by a certificate issued by the authority or by any other in a reliable manner. The certificate is not, however, required when the funds for the payment of the loan it has granted.
The borrower is a State Office or at the request of the authority that issued the loan, insurance, or a statement that the construction of the oikeamääräisesti has been performed in respect of wages paid to the withholding obligations of the employer and the other is carried out. If the construction works are carried out by contract, on the basis of the agreement, the borrower shall require the insurance or proof of the existence of pääurakoitsijalta and, where appropriate, from other undertakings. If a qualifying insurance policy or report is not submitted, the payment of the loan items may be suspended.
The loan for the purchase of a home with a house or apartment can be used to increase the loan after the decision, subject to section 17.


Article 15 of the Declaration of entry for the amendment of the limitation Act and a home with a Home or rental properties and arava rental houses, and the Act on restriction of entry referred to in omaksilunastamisesta for the conclusion of a rental home with a loan from a loan granted by the authority shall inform without delay the mortgage authority, by an official in the area the property is located, as well as the stock of the company's Board of Directors. To change the notification entry makes the granting of a loan in respect of the State or the municipality.
The stock of the company's Board of directors or the Superintendent shall draw up and sign the certificate and the labels referred to in the Declaration of the stock and the stock list was the paying of the loan, and submit a certificate of authority.


section 16 of the restriction on the entry of the transfer When the property or part of the property, which the aravalainoitettu apartment building is located, is created by a second private equity real estate, part of another property or lease-based attachment to the target, will be moved to limit entry to the property, in which the building is located.
Note to transfer may require the owner of the property, the holder of the lease of the property or lender.


Article 17 limitation of entry condition for raising the rental home loan home loan cannot be an advance, with the exception of increase before it is presented in the statement on the conclusion of the restricted indications. Rent a house purchase loan and rental apartment purchase loan statement must be submitted before the last batch of the loan.
The Housing Fund of the State Treasury and a home loan in respect of the granting of a loan in respect of the municipality may, for a special reason, gives permission, with the exception of the last tranche of the loan for the lifting, although the report provided for in paragraph 1 has not been presented.


an entry in the article 18 of the Restriction the restriction entry is to be deleted, when it has been determined that the restrictions have ceased to be valid. Limit the removal of all may also require the owner or the holder of a real estate lease real estate or stock book entry and stock list as far as labelling is concerned, the owner of the shares on residential management.
Chapter 3 of the annual payments, the sum payable for the terms of article 19 of the ownership of a home loan (13.1.1995/47) of the reference rate of the annual fee that is included in a home with a loan, the interest rate calculated on the basis of the State's cost of borrowing in the Euro bond to the three-year average of the corresponding interest rate (the interest rate on a home loan reference). (on 5 December 2001/1195)
The interest rate referred to in paragraph 1 shall be fixed by the State Office position with an accuracy of plus/minus hundredths of a percentage point annually in July at the end of the month and for the year ended March, the 36-month period from the date of the next annual payment for the period from 1. Article 20 (8.12.1995/1403) the first annual fee for the determination of the ownership of a home loan, the Omakotilainan and the first year of the housing loan payment provides for calculation of the House on the date of 1 March at the latest following the adoption of the. The approval of the use of the House must be notified within two weeks of the Treasury. If the loan is granted, however, only after the adoption of the use of the House, provides for the first annual fee to be counted from the date of the decision of 1 March at the latest following the granting of the loan.
Home purchase loan and housing shares the first year of the loan, the payment of the first instalment of the loan, increasing the design features, provides for the following the March 1 date.


section 21 (13.1.1995/47) ownership the ownership of the fee for a home loan in a home with a fixed interest rate loan annual interest rates makes the capital investment until, after which the first annual fee provided for under article 20, to be put down. The amount of the fixed rate so far is 60% of the loans referred to in article 19 of the decision on the date of the grant of the reference rate on the loan, but at least the arava 3.15%.
The fee for a home with a loan from the date of ownership on March 1 by 1 March at the latest following (pay period) the annual interest rate for the time being in such a way that a home with a loan referred to in section 19, the reference interest rate is to be calculated according to the amount of interest shall be reduced by the following percentages: the percentage of the Annual payment period be reduced from 1 to 5 6 to 10 11 to 45 35 25 15, 16 – 20 order of magnitude of the sum of the interest rate, however, is always 0 at least 3.15%.


section 22 (13.1.1995/47) ownership of a home with a loan for an annual fee the annual fee includes the ownership of a home loan in accordance with section 21 of the calculated interest rate and that is to be calculated from the original capital of the next payment period of Repayment as a percentage of the Annual payment of the lot: 1 1.25 1.50 1.00 0.75 2 3 4 5 6 7 1.75 2.00 3.50 3.00 2.50 8 9 10 11 12 13 4.00 4.50 5.00 5.75 14 17 16 15 7.25 6.50 7.75 8.75 18 10.00 19 20 23-24 of 11.00 12.25 23 – section 24 is repealed (A) by 13.1.1995/47.



the ownership of a home with a mortgage installment article 25 (13.1.1995/47) in time to alleviate the economic difficulties caused by reasons beyond the control of the municipality may, on application by the borrower to decide that the annual fee to be paid by instalment is allocated and included in the interest rate be postponed until later. The suspension can be granted for a maximum period of seven years. The postponed items must be paid no later than 25. the loan by the end of the year. (7.2.1997/119)
The borrower must submit an application to the Committee no later than three months before the due date of the annual fee for the lot. For a special reason, the application can be dealt with and the matter resolved, even if the application has not been adjusted.
The suspension of the decision can be made only in the two annual fee principal and interest in one at a time. One of the quotes on the decisions may relate to a maximum of ten principal and interest rate. (7.2.1997/119) section 26 (13.1.1995/47) section 26 is repealed by A 13.1.1995/47.
Chapter 4 of the annual payments, the sum payable for the rest of the ownership of the terms of article 27 of the belongings of a private home with a loan repayment and the interest rate for perusparannuslainan Home perusparannuslainan and payment of payments on residential perusparannuslainan starts in the calendar year, that three years after the first, followed by the first instalment of the loan. The loan repayments are as follows: the percentage of the annual Payment (the 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 loan rate so far is 6% per year.


section 28 of the belongings of a postponement of the repayment and the interest rate for perusparannuslainan its time to for reasons beyond the control of the economic difficulties to grant the borrower's application for a postponement of the loan repayments and interest in respect of the payment of a maximum of seven years. Repayments and interest payments may be deferred for payment in the later years of the last few years of the loan or the loan immediately in the following years. Deferred items to pay for a home with a law referred to in subsection 2, the maximum period of the term. (7.2.1997/119)
Suspension requires that: 1) the borrower has, on the basis of a report presented in need of assistance; as well as 2) suspension is within the limit of the ceiling fixed in the budget of the State.
The postponement of the application shall be made not later than three months prior to the maturity of principal and of the payments for interest by the application. For a special reason, the application can be dealt with and the matter resolved, even if the application has not been adjusted.

State of the branch shall follow that in the State budget the ceilings are not exceeded. This State Office may, if necessary, to announce that the postponement of the decision on the request before the State Treasury a statement as to whether the grant of suspension within the maximum limit set for the possible.


the interest rate on the loan repayment article 29 of the construction site and Rakennusaikainen the loan fee is charged back at one time, in so far as it has not been transferred to the housing stock in the form of loans or loans from shareholders of housing-public.
The interest rate of the loan construction site so far is 8% per annum.


section 30 of the principal and interest of the community perusparannuslainan Community perusparannuslainan repayments calculated as a percentage of the original capital are as follows: Year 1 1 2 2.5 2.5 3 4 6 5 8 6 10 7 13 8 16 9 19 10 22 Community Payment perusparannuslainan interest rate of 3% at the end of the first year, and for the time being the two in the following years 6.0 per cent a year. (26.11.1999/1079), Chapter 5 of the terms of the lease a home loan 30 (a) in the section (25 September 2003/824) the reduction of the lease rental of a home with a loan-repayment and the interest rate of the loan may be charged for the home compared to the annual payments as 32-35 and 36. Rent a house rent house purchase loan, loan, rent, mortgage and rental apartment purchase loan payment can the borrower so desires, Alternatively, be in accordance with article 35 (a) fixed.


section 31 (14.02.2003/131) to rent a home loan fixed rate loans, with the exception of short term Rental-arava rental housing perusparannuslainaa a fee of a fixed annual interest rates makes the loan capital until the date from which the first annual fee provides for calculation, or which in accordance with article 35 (a) of the repayments will begin. (25 September 2003/824)
Rent a house rent house purchase loan, loan, rent, mortgage and rental apartment purchase loan at a fixed rate so far is the perusomavastuun referred to in article 37. Long-term rental housing perusparannuslainan fixed rate so far is 3.8% of the loan amount. If the loan has been granted the right of residence to a House Reno there, however, the fixed rate is 4 percent of the loan amount.


32 section (25 September 2003/824) in the first year of the lease or loan repayment of the home with the determination of the rental house in the first year of the payment of the loan repayments to be put down or does it use the House imposed following the adoption of the March 1 date. The borrower shall inform the House within two weeks of the adoption of the use of the Treasury.
Rent a house purchase loan, home loan and rent a flat annual fee provides for the contracting of a loan, the first to be evaluated, or the increase of the first tranche of the loan repayments start 1 March at the latest following the date.
Long-term rental housing perusparannuslainan the first annual fee provides for the date of March 1, have the following six months after the decision granting the loan.
The issuing authority may, for a special reason, the loan from the borrower of the application referred to in subsection 2 or 3 of the loan repayments in the first annual fee to be put down or does it years later. The borrower must submit an application to the authority no later than three months prior to the date on which the first annual fee is prescribed or the repayments would be started. For a special reason, the application can be dealt with and the matter resolved, even if an application is not made in the course of the date specified.


33 section (14.02.2003/131) the rental for the first year of the loan, the amount of the fee-arava rental house loan, rent house purchase loan, lease mortgage and rent a flat fee for the first year of the loan contract is 3.7% of the loan amount. The right to occupy the House for the acquisition and construction of the first year of the lease granted to the amount of the fee a home with a loan, however, is 3.9% of the loan amount.
Long-term rental housing perusparannuslainan for the first year, the amount of the fee is 3.8% of the loan amount. The right of residence to house the first year of the long-term perusparannuslainan the taste, however, is 4 percent of the loan amount.
A rental home with a loan of up to 45 years.


34 section (25 September 2003/824) a reduction in the annual lease payment for a home with a loan, the granting of a loan by the Fund for the State Office of housing and with regard to the granting of a loan by the municipality may, on application by the borrower to reduce the arava under section 17 (701/2003) under the House loan or lease for a home loan, the annual fee up to so much, that the housing benefit Act (412/1974), paragraph 7, of the living level of expenditure is to be achieved.
Long-term rental housing perusparannuslainan annual fee of the criteria laid down in paragraph 1 may be reduced by a maximum of five years at a time. Five years after the reduction in the annual fee will be returned to the level it would have been a discount for the first year of the period without the discount. The annual fee on the loans or lending others an abbreviation, can not be reduced to, unless otherwise specified in this subsection, referred to in the line discount is not done in the first place.
The annual fee can be left without lowering, unless the owner of the House have not merged into a single company owned by rental houses or reasonable cause appropriate units and leveled houses, rentals, or if the owner has failed to take the other measures, to help rent levels may be kohtuullistuttaa.


Article 35 (25 September 2003/824) a rental home with a loan, the annual review of the annual payment to the State Office to check out a rental home with a loan, the annual fee for each calendar year, with effect from 1 March.
The annual fee will be reviewed by a considerable percentage. Rent a house rent house purchase loan, loan, rent, mortgage and rent a flat annual fee for the amendment by the contracting of a loan to reflect the actual change in the consumer price index. Long-term rental housing perusparannuslainan annual fee for a change in the consumer price index to reflect the actual amendment plus 1.5 percentage points. The consumer price index change will be taken into account, however, does not exceed 10%.


Article 35 (a) (25 September 2003/824) Kiinteälyhenteisen rent a Kiinteälyhenteisestä rent a home with a mortgage-a loan fee payments with effect from 1 March, a home with a 1 March at the latest following the date (payment period) from the original capital, calculated as follows: the percentage of the loan repayment period for repayment of the original capital 0.20 1, 2 3 0.40 5 0.45 0.25 0.35 4 6 8 7 0.55 0.65 0.70 0.50 9 10 11 12 13 0.95 0.75 0.85 0.90 14 17 16 15 1.20 1.05 1.10 1.30 1.40 1.50 1.45 the 20 21 18 19 22 23 24 1.60 1.75 1.65 1.95 25 2.15 26 2.40


27 28 29 30 2.60 2.90 3.15 3.45 31 34 33 32 4.05 3.75 4.40 4.80 35 38 37 36 5.80 5.15 6.60 7.65 39 8.45 40 9.25 If the loan has been granted a rental home with a kiinteälyhenteinen the right to occupy the House for, by way of derogation from paragraph 1, it shall be reduced as follows: payment of a percentage of the loan from the original capital of the period amortisation 1 0.35 0.55 5 2 3 0.40 0.45 0.65 0.60 6 4 7 10 9 0.90 1.00 0.85 0.75 8 11 12 14 13 1.25 1.05 1.15 1.30 15 1.40 16 1.45


17 18 19 20 1.55 1.60 1.70 1.75 21 1.85 22 23 24 25 2.80 2.30 2.05 2.55 26 27 28 29 3.05 3.35 3.65 3.95 30 31 33 32 5.00 4.30 4.65 5.40 34 35 37 36 6.75 5.85 6.30 7.25 38 35 8.25 (b) section (25 September 2003/824) a reduction in the principal of the loan Kiinteälyhenteisen Rental-Housing Fund by a home loan in respect of the granting of a loan by the State and the municipality may, on application by the section 17 of the Act to establish a home 4 kiinteälyhenteiselle for a loan under paragraph 35 (a) the date specified in article deviate from an amortisation table. Principal can be reduced by a maximum of so much that housing benefit housing law, paragraph 7, of the level of expenditure is to be achieved.
The abbreviation may be left without lowering, unless the owner of the House have not merged into a single company owned by rental houses or reasonable cause appropriate units and leveled houses, rentals, or if the owner has failed to take the other measures, to help rent levels may be kohtuullistuttaa.


section 36 (1/3/2007/243) a rental home with a loan the reduction calculated on the basis of the annual payment or repayment


If the rental of the House under the ownership of a home with a restriction on the use of the apartment, the redemption of, shall be exempt from the restrictions on use and disposal of housing or housing, the State Treasury to reduce the annual fee the amount of the loan, the lease-arava, which corresponds to the share of the loan, the annual cost of an apartment. In the case of a kiinteälyhenteinen loan, the amount of the calculation of the State Treasury to reduce principal payments by an amount equivalent to the proportion of the amount of the loan from the original dwelling.


Article 36 (a) (14.02.2003/131) a rental home with a loan benchmark interest rate of the loan, rent a House Rent house purchase loan, rental housing loan and rental apartment purchase loan interest rate calculated on the basis of the State's 10-year bond loans denominated in euro in the three-year average rate of similar interest rates.
The interest rate referred to in paragraph 1 shall be fixed by the State Office position with an accuracy of plus/minus hundredths of a percentage point annually in July at the end of the month and for the year ended March, the 36-month period from the date of the next annual payment for the period from the 1, and the abbreviation for the period. (25 September 2003/824), section 37 (14.02.2003/131) to rent a home loan interest rate the borrower to pay the remainder of the loan, the lease of the House perusomavastuu house purchase loan, rental housing loan and rental apartment purchase loan highlight is 3.4%.
If the reference referred to in article 36 (a) the interest rate exceeds the amount of the loan, house rental perusomavastuun rental house purchase loan, mortgage and rental apartment purchase loan sum to the amount of interest shall be calculated by adding the number of perusomavastuukoron for the time being in accordance with the following table, the percentage of the reference interest rate, which exceeds the perusomavastuun.


for an annual fee or a percentage of the principal season 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 you rent a House loan or rental house purchase loan is granted the right to occupy the House for the following table shall be added to the amount so far, perusomavastuun the percentage of the excess of the reference interest rate in accordance with the contribution of perusomavastuun: an annual fee or a percentage of the principal season 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 (25 September 2003/824) Prolonged the amount of the sum payable for rental housing perusparannuslainasta interest rate is the change in the consumer price index plus been 3.6 percentage points. The right to occupy the House for the amount of the interest on the loan sum to perusparantamista has been the change in the consumer price index plus 4 percentage points. If the subject of the loan, however, is historically or architecturally valuable building, or if the loan is granted mainly to amend the existing building as a residential building in a non-residential, the magnitude of the change in the consumer price index plus interest so far is 2 percentage points.
If the interest rate determined in accordance with paragraph 1 to 4 shall exceed 6.0%, the excess portion will not be charged.


38 section (5 June 1998/403) section 38 is repealed A 5 June 1998/403.


section 38 (a) (25 September 2003/824) annual payments, the sum payable for rental Of a home with a maximum rate of the loan by way of derogation from article 37, what is provided for in the annual payments be raised to highlight, a rental home with a loan may, however, charge an annual fee of no more than the interest rate on each loan.


Article 39 the short-term rental housing perusparannuslainan the abbreviation and the interest rate calculated on the short-term rental housing perusparannuslainan repayments from the original capital are as follows: Year 1 1 2 2.5 2.5 3 4 6 5 8 6 10 7 13 8 16 9 19 10 22 Short-term Payment perusparannuslainan interest rate of 3% at the end of the first year, and for the time being the two in the following years to 6 percent a year.
section 40 of Chapter 6 of the Omaksilunastaminen Omaksilunastamismenettely of the tenant who wants to redeem their shares in their own management, justify the rent on residential (omaksilunastaja), will need to make a written declaration by the owner of the shares and the omaksilunastamisesta.
In the context of the notification to the Omaksilunastajan will run the arava rental housing and arava rental houses, the disposal and omaksilunastamisesta of the law in accordance with the third paragraph of article 12 of the purchase price.


Article 41 suspension of payments, the loan can be granted to the owner of the shares in the future omaksilunastajalle the supply and on the excess in respect of the compensation for the suspension of the redemption price to run up until the omaksilunastamista granted for the acquisition of shares in the housing-loan is available for withdrawal.


section 42 of the lien is a lien on the redemption price and the loan component of omaksilunastettaviin shares, as well as to guarantee the execution of the recovery costs, until the purchase price and the shares calculated on the loan component of this assistance shall be paid in full.


section 43 of the ownership of the transition When omaksilunastaja is made the announcement of the purchase price for the shares, and omaksilunastamisesta is to be calculated on a loan or a loan to pay the contribution to the extent that they have not been granted an adjournment, the ownership of the shares of the cashable omaksilunastajalle.
Shall draw up a transfer between the transferor and the omaksilunastajan the book in any way, unless the shares, as well as the rights of a lien, the surrender share certificates without delay omaksilunastajalle.


the supply Of article 44 shall without delay to perform omaksilunastettujen shares to the donor arava rental housing and arava rental houses, donation and omaksilunastamisesta of the law on the disposal of compensation referred to in article 10. The same shall without delay to settle the Treasury carried out the difference between the redemption price and the transfer fee, as well as the redeemed shares calculated the share of the loan to the extent that the performance will not be checked for omaksilunastamista under the loan.
Chapter 7 special provisions related to the early repayment of the loan, a home with a section 45 (13.5.2004/395) annual fee for items, as well as the due dates of loan repayments for the Arava and the interest due on the last day of February and August, every six months.
State of the branch may, on application by the borrower to accept the right of residence to a home loan or rent a House a home loan eräpäiviksi in the February, June and October, the last of the day, if this is justified, taking into account the due dates of all the loans of the borrower in relation to the community, a home with a lease or as consideration for the use of intake.


section 46 of the consumer price index change calculation an annual fee for the amendment of the loan and the annual a home that is included in the payment of the interest rate calculated on the basis of the change in the consumer price index set by the statistical agency's annual charge or review date at the end of July for the preceding calendar year, ending a 12-month period.
If the annual fee for the amendment of the loan or interest rate in accordance with paragraph 1, the amount of the index on the basis of the change in the negative, no annual fee and 0% interest shall be deemed to be checked at a.


47 § changes in the amount of the annual fee for the repair of a home loan If the amount of the loan will be revised after the granting of a loan to a home, fix the Housing Fund of the State Treasury and the permit issued by the loan permit issued by the municipality in the amount of the annual fee on loan. In this case, the payment in euro by the amount of the loan, the annual increase or decrease in proportion to the percentage change. (on 5 December 2001/1195)
If the decision will be made before the annual fee for the first installment of the recovery of the amount of the annual fee, will be corrected prior to the beginning of March. Otherwise, the annual fee will be corrected from the beginning of March.
Authority shall, without delay, notify the Treasury an annual fee.


Article 48 Further payment on the loan taker has the right to loan a home with more than the annual fee provided for in the items or the abbreviation. Further performance does not affect the rental home with a loan of an annual fee. (13.1.1995/47)
In the case of community perusparannuslainan, or short-term rental housing perusparannuslainan further shortening is due to the payment of the loan for an individual apartment share back, to draw up a State Office without paying the remaining capital for a new repayment schedule with the original loan without a.


section 49 Of The obligation to pay to the State is required to pay the equivalent of a home with a loan a loan from the State back to the Housing Fund for the third day on each of the due date. From this period there are no fees for wire transfer for your outstanding interest, and the interest rate on the lyhennykselle.


section 50 of the interest if the annual fee for the payment of interest or repayment of the loan of the lot or is delayed, the number of implied refusals from the due date of the annual interest is to be paid including interest rates referred to in subsection 3 of section 4 of the interest rate. (8.12.1995/1403)

The granting of a loan by the Fund for the State Office of housing and with regard to the granting of a loan by the municipality may, for a special reason, grant exemptions from the interest rate to the borrower.


How to determine If the payment Of disturbance in article 51 has failed to obtain a home loan in whole or in part by the State without payment of the corresponding loan, can the State Treasury has determined to impose a period of time to provide a breakdown of the fees paid by the municipality of lainakohtainen and the capital of the remaining loans.
Shall section 33 of the laws of the home with a mom in the context of the transfer of the management of the securities referred to in the security documents relating to the transfer of the rights of the State to make an entry in a manner determined by the branch.


section 52 of the forced auction of the receipt referred to in the law As a home with a loan pledged or were confiscated property is sold at auction, in order to safeguard the interest of the State to buy the property, the State can be. The State Treasury is responsible, in consultation with the Government, the Housing Fund and, where necessary, the construction control of the State interest in the auction, subject to it not with a loan from the lainoitetusta.
The Committee shall inform the State Office to the attention of the future home loan items to auctions.
State of the branch shall decide on the use of the purchased property to the State. If it is decided to keep the assets of the State, it will be building the Government's control.
Chapter 8 miscellaneous provisions section 53 of the application and notification forms to the shape of the Housing Fund and or State Office may accept the law, arava forms the formula arava rental housing and arava rental houses, the Act on the transfer and omaksilunastamisesta and applications or notifications referred to in this regulation. At the same time, may be prescribed in connection with the granting of the application or notification.


the target is a home with a loan under section 54 of the insurance shall be considered to have been sufficiently insured. Insurance is not required, if the object is owned by the municipality or Federation of municipalities.


section 55 a good estate and contractors for the supervision of arava under section 36 of the laws of the home with the use of a home loan, the law, and the provisions adopted in pursuance of the provisions of, and in accordance with the terms of the loan and the State Housing Fund, and also the other authorities checked the loan provided for in a home with a good estate and construction requirements.


section 56 Of the obligation to the responsibility of the principal of the loan in part to state a home shall be notified to the Treasury under section 31 of the laws of the home with a part of the responsibility of the State referred to in the recovery of the loan every year, with leftover arava.


section 57 of the loan for each year of the Loan the first instalment of the loan, the year is an increase in the next home with a 12-month period.


58 section (14.02.2003/131) section 58 is repealed A at issue/131.
Chapter 9 entry into force and transitional provisions article 59 entry into force This Regulation shall enter into force on 1 January 1994.
Article 11 of the regulation shall apply as from 1 February 1994.


the application of article 60 of the past year, according to the loans granted by the payment system, the provisions of this Regulation shall also apply to those loans, which are granted by law to the provisions of the repealed housing law in the arava (247/66) in 1990 or later. On the basis of the laws of the combined fee for housing loan provided for in article 38 of this regulation.
Housing under article 6 (5) and (6) of the loans granted pursuant to a fee, however, 19 of this regulation and by way of derogation from article 26, the interest rate of housing production provided for in article 28 (b) of the regulation or the terms of the interest rate on the bonds falling below.
Housing law article 6, paragraph 1, sub-paragraph 1, 3, 4, 7 and 8 of the loans shall be levied on the basis of paragraph 31 of this regulation and by way of derogation from article 37, section (1) of the terms of the promissory note to protest a lower fixed interest rate and the interest rate on the loan was granted on the basis of the following year: 1) if the loan has been granted in 1990 or 1991, the annual amendments to the annual fee plus 1.5 percentage points; as well as 2) if the loan has been granted in 1992, the year of the payment of the annual amendment plus 1.95%.
(at issue/131)
Housing under section 6 (1), (3), (4) and (7) the annual fee shall be adjusted on the basis of loans granted in 1994, 35 of this regulation, the Decree of the Council of State by way of derogation from the decision by the House to reduce the annual fee on the loans of the amendment (969/93).


61 section (13.5.2004/395) Application before entry into force of the annual pay system in the loans granted to the Arava, section 45 of the laws of the interest rates on loans granted and the repayments continue to be charged in accordance with the terms of the bonds, notwithstanding the provisions of the Act and this regulation lays down, for a home.
However, the loans referred to above shall apply to: 1) articles 3, 8, 15, 16, 18 and article 48 to 58, regardless of what is specified in the promissory note in this respect;
2) in this regulation, article 48, in which case a new repayment plan must be drawn up in each, when further shortening is due to the payment of the loan for an individual apartment contribution; as well as 3) in this regulation, the amount of interest on the sum to be after the entry into force of this regulation, article 50 (1), if the interest rate would be lower than the interest the bond conditions.
Debt and interest rates referred to above are due every six months on the last day of March and September. If the loan is, however, granted before 1 July 1968, are due dates the last day of June and December. State of the branch may, on application by the borrower to accept the puolivuotiseräpäiväksi the rest of the last day of the month, if this is justified, taking into account the borrower's loans to the community for all the due dates of the rental home.


62 section 46 of the law and the reduction of the interest rate Stays home with a section of the interest and repayments referred to in paragraph 1 may be deferred under the conditions laid down in article 28.
Arava the law referred to in article 46 (2) of the reduction in the interest rate to the application shall be submitted no later than six months before the due date of the loan, the first of the year in the eighth. For a special reason, the application can be dealt with and the matter resolved, even if an application is not made in the course of the date specified.


63 section 47 of the laws of the Avustusluonteinen perusparannuslaina an application for a home with a section in the case referred to in the will take place, which shall inform the State Office. The decision can only be made before the submission of the application, the following maturing principal and interest rates.
Shall, at least once a year, check that the housing is used for the arava law under section 47 of the person or persons referred to in the residence.
If the borrower has died, or is not used in the article 47 of the law an apartment home with: (1) the person or persons referred to in the residence, the borrower or the estate, which has assets in their possession, notify the change without delay.
Upon receipt of a change in the use of the information shall provide for a change in the due on overdue repayments and interest rates immediately to be paid, unless the loan transferred to the arava in article 47 of the law to the person. At the same time, the municipality shall provide for the loan repayments and interest rates maturing later shall be carried out in accordance with the terms of the loan. The Committee shall be informed of the decision to the Treasury.

The change of the date of entry into force of the acts and application: 13.1.1995/47: This Regulation shall enter into force on 20 January 1995.
33 of this regulation, paragraph 1 shall apply to the June 1994 and since then, the loans granted.
The provisions of this Regulation shall apply to the ownership of the home loans since 1 January 1996, the ownership of the home loans granted. A year in payments to the taxes and housing law (247/66), 6 § 1 of the loans granted pursuant to paragraphs 5 and 6, and the arava (1189/93), before 1 January 1996, the ownership of the loans granted under the repealed by this Regulation shall apply to the arava or the amended provisions to continue as they are, however, prior to the entry into force of this regulation in such a way that, with effect from 1 March 1995, loans granted at an interest rate of not more than the amount of the annual fee.




8.12.1995/1403: This Regulation shall enter into force on 15 December 1995.
Article 33 of this regulation, paragraph 37 and 38 (a) of article shall apply from 1 December 1995, and then to a rental home loans. Arava (1189/93), before 1 December 1995 the lease granted to the arava loans and housing on the basis of the code of civil procedure (247/66) in 1990 or later amended by this Regulation shall apply to loans granted for annual fee and interest provisions remain as they are, however, prior to the entry into force of this regulation in such a way that the loans as from 1 September 1995, granted at an interest rate of not more than the amount of the annual fee for each loan.
One annual fee, interest or repayment, which was delayed to the entry into force of this regulation, in force at the time of entry into force of this Regulation shall apply to the provisions relating to interest on arrears. Article 50 of this Regulation may, however, apply mutatis mutandis, if it leads to a common finance sanction than the earlier provisions.

State Office to set them for the first time a home loan reference rate by way of derogation from article 2, article 19, to be in force by 1 January 1996 28 February 1997.




7.2.1997/119: This Regulation shall enter into force on 1 March 1997. Article 28 of the regulation shall apply from 1 January 1994, and then to individuals accompanying the perusparannuslainoihin. Article 25 of the regulation shall apply from 1 January 1996, and its ownership of the arava loans issued after. Article 25 of the regulation provides for a deferral, however, shall apply from 1 January 1991 to 31 December 1995, the ownership of the loans granted during the period between the annual fee for a home.
This Regulation shall apply to the suspension or reduction of the annual fee for applications that were filed after the entry into force of the regulation.




on 5 June 1998/403: This Regulation shall enter into force on 15 June 1998.
The necessary action can be taken for the implementation of this regulation before the date of its entry into force.
Before the entry into force of this regulation, have been granted as well as the entry into force of this regulation, in the case of pending applications on the basis of long-term rental housing perusparannuslainoihin is, however, subject to the provisions in force at the entry into force of this regulation.
Article 34 of this regulation, the Competition Act applies to all after the entry into force of this regulation in the case of an annual fee.




26.11.1999/1075: This Regulation shall enter into force on 1 December 1999 and it shall apply from 1 November 1999, and then to a home loans granted and.
Before 1 November 1999 issued at the time of entry into force of this Regulation shall apply to a home loans.




26.11.1999/1079: This Regulation shall enter into force on 1 December 1999.




21.06.2000/595: This Regulation shall enter into force on 28 June 2000 and it shall apply from 1 January 2000.
Before the entry into force of this Regulation may be to take the measures needed to implement the regulation.
Article 34 of this regulation, the Competition Act also apply before 15 June 1998, on the basis of the applications which have been granted and pending long-term lease granted to the housing of 2 year payments shall be reduced after the entry into force of this regulation.




on 5 December 2001/1195: This Regulation shall enter into force on 1 January 2002.
Before the entry into force of this Regulation may be to take the measures needed to implement it.




on 27 March 2002/236: This Regulation shall enter into force on 15 April 2002.
This Regulation shall apply from 1 January 2002 and after a home loans granted. Before 1 January 2002, the regulation will apply to loans granted to a home with a home-as it was in force upon the entry into force of this regulation.




at issue/131: This Regulation shall enter into force on 1 March 2003. It shall apply with effect from 1 March 2003, and then to a rental home with a revised annual fees and interest rates on loans, as well as.
Before the entry into force of this Regulation shall apply to the lease granted to the arava loans, 31, 33 and 37 of this regulation, the articles as they were at the time this regulation enters into force, however, in such a way that the right of residence for the construction of the House, or the amount of the interest on the loan for the purchase of a home is responsible for an annual fee for the amendment for the time being, plus 1.95 percentage and rental home with a loan granted at the annual interest rate is so far up to 5.2% of the loan amount. If the reference referred to in article 36 (a) the interest rate rises or falls by more than 0.5 percentage points for aid granted before the entry into force of this regulation, the annual maximum rate of a home with a loan be granted rent increases or decreases accordingly. In determining whether or not enimmäiskorkoa to be raised or the reference rate in force at any given time shall be calculated, is compared with the reference interest rate, which was in force at the time this regulation enters into force, or if enimmäiskorkoa is later changed, the reference interest rate is compared to the reference interest rate, which was in force at the time the enimmäiskorkoa was last changed.




on 25 September 2003/824: This Regulation shall enter into force on 1 October 2003. The entry into force of the section 35, however, until 1 March 2004.
Before 1 March 2003 the lease granted to the arava loans applies to article 37 and before 15 June 1998, on the basis of the applications for grants for long-term rental housing perusparannuslainoihin article 34 shall apply, however, as they applied upon the entry into force of this regulation.




13.5.2004/395: This Regulation shall enter into force on 1 January 2005.




1/3/2007/243: This Regulation shall enter into force on 1 April 2007.
This Regulation shall apply to the rental of a home loans have been repaid on 1 January 2007 or after arava restriction law (1190/1993), 16, 16, 17 or 18 (a) on the basis of the article.
Before the entry into force of the regulation may be to take the measures needed to implement the regulation.