Arava Law

Original Language Title: Aravalaki

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Read the untranslated law here: http://www.finlex.fi/fi/laki/ajantasa/1993/19931189

In accordance with the decision of the Parliament, provides for: the scope of application of the provisions of section 1 of Chapter 1 of the General resources of the Fund shall be granted to the State housing loans (arava) ownership, rental and right-of-occupancy housing for new construction, procurement and Reno there in accordance with this law.
Under this Act shall not be granted a loan to the housing sector, which are eligible for a loan or interest rate to support the rural industries finance law (329/1999) or reindeer husbandry and the structure of the law on nature-based occupations (986/2011) or other resources of the Fund for the development of the economy on the basis of the laws of the farm. (August 26, 2011/989)
L:lla 989/2011 modified 2 shall enter into force at the time of the Council of State decreed. The previous wording is: under this law shall not be granted a loan to the housing sector, which are eligible for a loan or interest rate to support the rural industries finance law (329/1999) or reindeer husbandry and the financial law of nature-based occupations (45/2000), on the basis of the laws of the development of the economy or the rest of the farm of the Fund's assets. (21 January 2000/50) section 2 of the Arava forms the loan for the new construction Home loans may be granted, which means one or more of the residential building construction, or for the purchase, which means one or more on residential or other acquisition of a block of flats in the building of a future State there. New construction and acquisition of housing can be included in the plot. Where to celebrate your graduate's obtaining a building or read up on residential uudisrakentamiseksi, provided for in the regulation.
Arava loans may also be granted for Reno there in which: 1) homeowners, residential building or in their garden or the rest of the immediate environment of equipment or change the quality level is raised to the level of the other than it was a year of the original will be returned for repair measures uudenveroiseen or original; or 2) or extension of the existing facilities in the main living quarters or other related purposes.

section 3 of the Arava and the funding of the loans granted delegation to the Arava loans can be granted within the limits of the mandate specified in the budget of the State.
The Council of State confirms the authority for granting loans to the regional and other criteria. The Ministry of the environment in the framework of the kuntakohtaisia may be authorised by the powers of the State Housing Fund, the granting of the necessary proposal. Shall lainoitettavat the items for which the award of the General conditions for granting loans to the arava power can be used.
The funding of the loans granted to home lending State Housing Fund, the income from the proceeds of the payment and interest, in the context of the budget of the State at an acceptable loan securitisation of loans and housing plays, a home to the Fund the amount of money that you want, or in any other way provided for in the law on the State Housing Fund (11/89). Housing Fund controls access to the payment of the loans.

section 4 of the Arava loan authorities grant State Housing Fund and a home loans to municipalities as provided for in the regulation in more detail. To be given in the Ministry of the environment and Housing Fund to deal with the necessary plans, home lending data and documents.
State Office costs and staff of the Housing Fund and charge by the arava loans.
Roles and responsibilities of the arava lainoituksessa in the municipality, which is located in the municipalities of home lending, if not with each other.

section 5 (Strasbourg/728) Arava loans to be granted to the General conditions for the development of housing conditions in a home loans are granted social and economic need-to-know basis. (on 18 August 2006/715)
Aravalainoitettavien housing must be adequate and effective, as well as asuttavuudeltaan asuinympäristöltään uudisrakentamis, perusparantamiskustannuksiltaan, as well as the purchase or maintenance and the housing affordable. The construction of the new building and the inhabitants of perusparantamisen, with the exception of self-service is based on competition the procedure, unless the Housing Fund for a special reason, grant of the exemption. The Ministry has the right to issue orders and instructions as to what the above in this subsection.
The law on public procurement (1505/1992) which the contracting entity is in addition to be in conformity with the law and the acts adopted thereunder.
Arava loans shall be granted only on condition that the time is estimated to be sufficient to pay for a home loan.
A home loan, the issuing authority shall verify that the conditions laid down in this article are the granting of a public loan.

section 6 transfer restrictions and the use of Arava rental housing and arava rental houses, donation and omaksilunastamisesta (1190/93) and the right-of-occupancy Housing Act (650/90) provides for aravalainoitetun, as well as shares in the company that owns an apartment building and its aravalainoitetun on residential and its management on the restriction of the use and the disposal of shares. Restrictions shall be recorded in the register of land ownership and mortgages, as well as share documents and stock list (limit entry).
Aravalainoitettujen ownership of the housing and transfer applies only to what the decision on the transfer of the loan and the loan a home is valid.
Chapter 2, paragraph 7, of the ownership of a Home Ownership loans types of Individual loans may be granted ownership of a home with a home loan as a residence to be used: 1) to the home of new construction (omakotilaina);
2) for the purchase of single family homes (detached house purchase loan);
3) for the purpose of establishing title to shares on residential construction or vastavalmistuneesta aravalainoituskelpoiseksi to the approved company House (housing loan);
4 the management for the purchase of shares) on residential from the existing housing stock, the company House (housing the share acquisition loan); or 5) home perusparantamista (home perusparannuslaina).
The apartment shares the loan may also be granted to the arava rental housing and arava rental houses, according to the law on the transfer of the right to housing and omaksilunastamisesta omaksilunastamiseen.
The housing stock to the company may be granted short term arava loan company for the construction of the House (rakennusaikainen loan). Rakennusaikainen the loan may be in whole or in part for the corresponding change in respect of residential housing loan or under section 13, as referred to in paragraph 3 of the rental apartment.
The housing stock to the company or to any other entity that owns at least two residential building may be granted for a home loan perusparantamista (perusparannuslaina). The community perusparannuslaina may be in whole or in part be borne by the owner of the apartment is open to the change on residential (on residential perusparannuslaina).
Home purchase loan or a loan from the housing-acquisition of shares, with the exception of the purchase of a loan for an apartment in omaksilunastamista, you can buy only one house or building, or for the purchase of residential apartment, which has not previously been granted a home loan, or a home with a loan is granted, it is paid back. The acquisition of the loan shall be granted only on condition that the construction of housing in the area is not justified, taking into account the long-term housing needs, and that buying a home is cheaper than the equivalent new home construction.

section 7 (a) (18 August 2006/715), the criteria for granting loans to the Property ownership of the arava arava loans, grant of the aid is based on financial need, social purpose and that the applicant will be assessed the need for income, wealth and ruokakunnan on the basis of the apartment.
Under section 7 (1) and the granting of property referred to in paragraph 5 of the arava loans, priority must be given to those in need of housing, it is the kiireellisimmässä and the lowest income the applicant ruokakunnat. The order of priority can be in an individual case, the particular circumstances of the applicant, if it is justified by the ruokakunnan and the place, taking into account the situation of the housing.
The State Council regulation can be adjusted in detail the criteria for the granting of loans to the ownership of arava.

Article 8, the competent authority in matters of Property ownership, a home with a loan-a loan granted to a home with a private person.
Construction site of the loan and the grant of the community perusparannuslainan Housing Fund. However, the perusparannuslainan of the community grant, if the House is perusparantamisen after no more than two residential apartments.
As regards the residential apartments from the construction site shall be decided by amending the housing loan or a loan to rent apartment in lent and amending community perusparannuslainan on residential perusparannuslainaksi.
The Ministry of the environment may, on application by the transfer of the powers in the Housing Fund for the construction site of the loan and the grant in whole or in part to the community perusparannuslainan. The Ministry may, for special reasons in the case of a withdrawal of the application or of the transfer of power.
The construction of the Housing Fund will accept housing company for the granting of housing loans to the aravalainoituskelpoiseksi of the House.

section 9 of the payments of the Year title in the annual payments of the fees being charged for the ownership of a home with a home loans loans are omakotilaina, home purchase loan, home equity loan and mortgage-acquisition of shares of the loan.

The annual fee shall be levied each year in two portions, which are included in the loan interest rates and payments. The annual fee shall be paid to the first, the interest rate of the loan. The amount of the annual fee may be imposed in such a manner, that it will always include, at a minimum, the size of the interest rate or the proportion of the annual fee is not enough to pay for the size of the interest rate, in which case the remaining part of the highlight is added to the loan capital.

section 10 of the order of magnitude of Annual payments, the sum payable for the year of ownership the ownership of the loan payments of charges for a home with a home loans are up to 80% of the lending value of the loan item. Arava rental housing omaksilunastamiseen housing loan is granted, however, the acquisition of shares up to a maximum of 80% of the arava rental housing and arava rental houses, donation and omaksilunastamisesta of the law on the redemption price as referred to in article 12. The loan can also be detached houses or residential apartments or in the specified maximum period of the euro asuinneliömetriä per. (27.7.2001/698)
The annual fee that is included in the annual payment of interest and lyhennyksestä, and the revision of the entry into force of the loan before the end of the first year of the fee charged on a fixed highlight provides for regulation.

Article 11 of the Other than it was a year in payments to be recovered ownership of the arava loans Rakennusaikainen loan is a maximum of 80% of the lending value of the item, as well as community lending perusparannuslaina, home perusparannuslaina and on residential perusparannuslaina up to 60%, or if the question is historically or architecturally valuable item, a maximum of 80% of the cost of the perusparantamisen approved. The loan can also be detached houses or residential apartments or in the specified maximum period of the euro asuinneliömetriä per. (27.7.2001/698)
Construction site of the loan, the loan period is up to two years. Perusparannuslainan the community, the term of the loan is not more than 10 years, as well as single family homes on residential perusparannuslainan and perusparannuslainan to a maximum of 25 years.
Construction site of the loan, perusparannuslainan and perusparannuslainan of the community, single family homes on residential perusparannuslainan for carrying out the payments, as well as to highlight the interest rates and provides for the regulation.

the transfer of ownership of a home loan, the property ownership article 12 of a home loan or a part of a migration requires the new owner to fill the lending entity ownership of a home with a loan beneficiary by operation of law or by the regulations are based on the conditions laid down pursuant to. If the ownership of a home lending item in the ownership, the ownership of all or part of the loan can be a home with a transfer shall be borne by the municipality. State Office of housing and Municipal Affairs, issued by the Fund shall decide on the granting of a loan by the transfer. Unless the loan be transferred to the State Treasury or the contract, the loan as soon as the payment is due. (the intensification/1035)
The annual payments, the sum payable for the transfer of ownership of a home with a decision on the loan at the same time provide for the level of the annual fee in accordance with the new situation and the quantity.
Chapter 3 section 13 of the Lease rental home loans-home loans-home loan may be granted for types of Lease: 1) for rent house new construction (rental house);
2. for the purchase of the House) rent (rental house purchase loan);
3) used for the management of temporary residence for the shares in the course of construction on residential or vastavalmistuneesta aravalainoituskelpoiseksi to the approved company House (rental housing loan);
4) rental residence management to be used for the purchase of shares on residential from the existing housing stock, the company House (rental apartment purchase loan); or rent a house or rent-5) for the purpose of dwelling on residential perusparantamista (long-term or short-term rental housing perusparannuslaina housing perusparannuslaina).
Rent a house purchase loan and rental apartment purchase loan is granted under the condition that: 1) of the House or apartment is less expensive than a comparable House or apartment building; and 2) that the construction of housing in the area is not justified, taking into account the long-term housing needs, unless the fact is that the lainansaajana is not owned by the company or.
(11 December 2002/1105) The acquisition of the rental house, at least 30% of the flats will be allocated in accordance with the plan approved by the State Housing Fund, the homeless, refugees, the Roma or other similar groups of people were established, the granting of the loan, the lease contract is not subject to the conditions laid down in paragraph 2. In this case, the acquisition of the loan may be granted only to the company, in fact, owned by the municipality, or the community, with the aim of the operation is to improve the living conditions of the persons belonging to specific groups by providing them with housing. (11 December 2002/1105)
The acquisition of rental apartment two warm-hearted brothers, a refugee, a person who belongs to the realm of organic chemistry or other similar to the granting of the loan and the use of the procurement is not subject to the conditions laid down in paragraph 2. (11 December 2002/1105) (5 June 1998/399) section 14 is repealed by L:lla 5 June 1998/399.

section 15 (30 April 1999/571) Rent-recipients of a home with a loan to rent a home loan can be granted to, or to any other public body: 1);
2 paragraph repealed by L:lla 13 August 2004/734.
3) community, which meets the conditions referred to in article 15 (a) and that the State Housing Fund has designated this under; as well as 4) a share for the company, the company or the housing with one or more of the entities referred to in paragraph 1 to 3 is imminent with the accounting Act (1336/1997), Chapter 1, section 5, subsection 1 of the control within the meaning of paragraph 1. (on 18 August 2006/715) (30 April 1999/571) geared to the needs of The section 15 of the community, as well as a company within the meaning of paragraph 3, where the community is, of the accounting Act, Chapter 1, section 5, subsection 1 of the control referred to in paragraph 1, shall be subject to the following conditions and to act in accordance with them: (18 August 2006/715) 1) the community is a joint venture formed by and buy a rental and right-of-occupancy housing and rent them on social grounds or deliver them to the right-of-occupancy housing intended for use with the residents of the good and safe housing at a reasonable cost;
2), the Community shall indicate to the homes publicly advertised;
3), the community is not the owner of the community recognize the rightful owner of more than a reasonable return on assets, which is something of a calculated is at least two percentage points higher than the State's five-year bond loan rate and the size of the Council of State by the calculation of the harmonised and provide for more detail;
4) community to dispose of arava restriction law (1190/1993), the limitations of the frequency of use and disposal of housing units or shares, or establishing title only in the apartment to the tenant or living in the community, whose business includes the provision of rental housing; other than the above may be flats, units or shares disposed of, if the types of rental apartments there is no demand in the region, or if there are other weighty reasons to sell some of them; (13 August 2004/734) 5), the Community shall make arrangements for the ownership of housing in such a way that it is possible to use the valuation of rentals or alignment, and organize the structure of the community in such a way that responsibility for the financial difficulties have been released into the vuokratai the right to occupy the houses will be threatened;
6), the community does not take other risks relating to the activities referred to in paragraph 1, does not give a loan to a party other than the community as referred to in article 15 (b), and not to let the security, as the members of the entity referred to in article 15 (b) the obligation, except in the case of a loan made by the same group, the community is to take and place the members of the entity referred to in article 15 (b) the rental for the purchase or construction of housing;
7 paragraph repealed by L:lla 13 August 2004/734. (13 August 2004/734) 8) the shares are not publicly traded.
Under paragraph 1, as referred to in paragraph 3 above, the restriction does not apply to the return on the assets, which the owner has placed before 1 January 1980, lainoitettuihin arava rental housing and the return on these assets not counted in the calculation base. However, this return is used in such a way as to safeguard the community or belonging to the same group of the members of the entity referred to in article 15 (b) of rental properties in the own resources necessary for financing and perusparannukseen re-established. The assessment will also not be allowed to compromise with the community or belonging to the same group of the members of the entity referred to in article 15 (b) the financial situation of the housing stock maintenance. (13 August 2004/734) 15 (b) of section (30 April 1999/571) geared to the needs of the group for the purposes of the conditions referred to in article 15 (a), the group is treated as a single entity referred to in paragraph 3 of article 15 of the community and its belonging to the same group: 1) with the other section 15 of the communities referred to in paragraph 3;
2) communities, with arava rental housing and arava rental houses, according to the law on the transfer and use of omaksilunastamisesta and subject to the restrictions on housing or their management shares;
3) communities, with the support of the interest on loans for rental housing (867/1980) referred to in article 10, a 20-year period subject to restricted use of apartments or their management shares; as well as the

4) communities, with the right-of-occupancy Housing Act (650/1990) housing law (247/1966) under section 6 (8), article 21 of this law or the right to occupy the House for the support of the interest on loans of the law (12/1993), section 3, or rent and occupancy of the House for the support of the law on the interest on loans (604/2001) in accordance with article 20 of the lainoitettuja apartments or their management shares, provided that the right-of-occupancy housing flats or shares are under the law on the use and transfer are subject to the restrictions. (brought on 29 December 2005/1211), section 15 (c) (30 April 1999/571) to secure the enforcement of the State Housing Fund will ensure that the article 15 (3) and 15 (b) the entity referred to in section meets the conditions laid down in accordance with article 15 (a) and act accordingly.
State Housing Fund and the Fund by any person shall have the right to obtain the information it deems necessary for the purposes of supervision article 15 (3) and 15 (b) the bodies or entities referred to in article, as well as their auditors.
The designated entity shall in advance notify the State Housing Fund facts, which could have an impact on the conditions referred to in article 15 (a).

15 (d) of section (30 April 1999/571) withdrawal of the State Housing Fund may cancel the designation of article 15 designation of the community as referred to in paragraph 3, if: 1) of the community or its in the same group as belonging to the Community referred to in article 15 (b) no longer fulfils the conditions referred to in article 15 (a), or their violation of the;
2) of the community or its in the same group as referred to in article 15 (b) belonging to the community has taken the actual action, the purpose of which is contrary to section 15 (a), as defined in yleishyödyllisyydelle of the content or with the conditions laid down; or 3) the revision of the designation of the community is seeking.

Article 15 (e) (13 August 2004/734) to a public body to recognize revenue and the rest of the article 15 of the community as referred to in paragraph 4, in which article 15, as referred to in paragraph 1, the community is in the accounting Act, Chapter 1, section 5, subsection 1 of the control referred to in paragraph 1, shall not be recognized for the rightful owner of more than 15 (a) of paragraph 3, according to a ranking based on the return, if the entity is owned by: (18 August 2006/715), the limitation of the use of the laws of the home with a 1) and subject to the restrictions on the supply of apartments or their management shares;
2) apartment for rent in the interest rate on the loans referred to in article 10 of the law of 20-year limitation period under homes or their management shares;
3) rental housing loans and loans to support the right of residence to a House (604/2001) article 17 of the apartments or their management shares; or 4) the law on the right to housing housing production referred to in the first subparagraph of article 6 (8), article 21 of the law of, or the right to occupy the House for the support of the law on section 3 of the interest on loans of the housing or housing for rent and for the support of the interest on loans of the law on the right of the House, under section 20 of the lainoitettuja apartments or their management shares, provided that the right-of-occupancy housing flats or shares are under the law on the use and transfer are subject to the restrictions. (brought on 29 December 2005/1211)
If the same group consists of a number of communities, which is referred to in paragraphs 1 to 4 of homes or their management shares the determination of the maximum will be treated as one entity, entities to recognize for the return.

the competent authority of section 16 of the rental-Rent a home loans-home loan and rental apartment purchase loan grant. However, the Housing Fund of the loan granted, if the applicant is an entity that engages in the acquisition of housing for the homeless, refugees, mainly national level or the Roma.
Rent a House loan, rent house purchase loans, as well as long-term and short-term rental housing perusparannuslainan grant housing fund. Rent a House loan and rent a house purchase loan, if the House is not more than two residential apartments, as well as long-term and short-term rental housing perusparannuslainan, if the House is perusparantamisen after no more than two residential apartments, granted, however.
The Ministry of the environment may, on application by the transfer of the powers in the Housing Fund for rental-arava loans in whole or in part. The Ministry may, for special reasons in the case of a withdrawal of the application or of the transfer of power.
The construction of the housing mortgage fund accepts the company of the House aravalainoituskelpoiseksi apartment for rent in the granting of loans.

section 17 (regulation/719) a rental home with a loan to run a rental home with a loan the interest and principal payments, or may be charged to the annual payments or in such a way that the interest rate and payment of a fee. Short perusparannuslainaa does not, however, subject to annual payments.
The interest rate on the loan and the repayment of the lease fee for a home with a two times a year. The annual fee shall be paid to the first, the interest rate of the loan.
A rental home with interest on the loan must be reasonable when compared to the corresponding to the taxes and interest rates, the General purpose loans, and the interest rate on the loan and the payment of an annual fee or be allowed to lead to excessive costs of housing for the residents.
A rental home with the interest rate of the loan, and the principal, or the annual fee may be reduced, if you rent a house or rent rent a flat rent average will rise higher than the housing benefit Act (412/1974) enimmäisasumismenot referred to in article 7, or for some other special reason.
A rental home with a loan interest and lyhennyksestä, or the revision of the annual fee, and, before the end of the first year of the reduction, as well as the entry into force of the start of the payment or payments to be recovered in a fixed highlight down further government regulation.

section 18 (regulation/719) the amount of the loan, the Other a rental home with a rental home with a loan of up to 95% of the short-term lending perusparannuslaina lending of the value of the item or of the approved perusparannuskustannuksista. Long term rental housing perusparannuslaina can be also rented house or apartment is open to the maximum period specified in euros or in per asuinneliömetriä.

section 19 perusparannuslainan short-term rental Short-term rental housing housing running perusparannuslaina is less than or equal to 60%, or if the question is historically or architecturally valuable item, a maximum of 80% of the cost of the perusparantamisen approved. The loan can also be rented house or apartment is open to the maximum period specified in euros or in per asuinneliömetriä. (27.7.2001/698)
Short-term rental housing perusparannuslainan the term of the loan is not more than 10 years. Interest on the loan and the repayment of conducting provides for regulation.

section 20 of the transfer of the lease if the lease is a home with a loan-lending target of the ownership of a home, will move to a rental home with a loan shall be borne by the municipality. Otherwise, a rental home with a loan or a part of a migration requires the new owner to fill the lending target for rental or a home with a loan beneficiary of the provisions laid down pursuant to the Act and the provisions based on conditions. State Office of housing and Municipal Affairs, issued by the Fund shall decide on the granting of a loan by the transfer. Subject to the transfer of the loan approved, the State Treasury or municipality must cancel the loan as soon as the payment is due.
Chapter 4 the right of residence to a House a home with a loan of section 21 of the right of residence to a House a home loans loan may be granted the right of residence to a home with the types of dwellings referred to in article 1 of the law of the right to occupy the House for the construction of a house rental in the form of a loan, a loan for the purchase of rental house purchase and for long-term or short-term rental-perusparantamista housing perusparannuslainana.

section 22 (30 April 1999/571) with a right to the House of the recipients of the right of residence to a home with a loan the House a home loan can be granted to, or to any other public body: 1);
2) community, which meets the conditions referred to in article 15 (a) and that the State Housing Fund has designated this under; as well as 3) a share for the company, the company or the housing with one or more of the entities referred to in paragraph 1 or 2, immediate, of the accounting Act, Chapter 1, section 5, subsection 1 of the control within the meaning of paragraph 1. (on 18 August 2006/715)
Under paragraph 1, the lainansaajiin referred to in paragraph 2, as well as companies in which they have, of the accounting Act, Chapter 1, section 5, subsection 1, as referred to in paragraph 1, points (a) to (d) of section 15, 15. (on 18 August 2006/715) the other conditions for the right of residence pursuant to article 23 of the House, the amount of the loan is a loan for a home with a rented house and rent a house purchase loan up to 90% of the lending value of the loan item. The right of residence to a House a home with a loan otherwise subject to what the House loan, rent house purchase loan or a long-term or short-term rental housing perusparannuslainasta provided for, subject to this or any other law, or subject to the provisions adopted by virtue of the said treaties.
Chapter 5 the maximum number of Loans, guarantees and guarantee a common section 24, the maximum amount of the loan, the loan and the rest of the common Home


Arava loans granted, not on residential housing loans and perusparannuslainan, as well as those better capable of covering claims attaching to the loans and housing loans, the total number of per share of residential apartments to be not more than 90% of the value of the acquisition of the House laid down on residential part. The rest of the ownership of a home loan, and the total number of loans may be at a higher privilege should last not more than 90% of the lending value of the acquisition of the item or, when there is question of the arava rental apartment housing allocated to acquisition of shares redeemed the loan, arava rental housing and arava rental houses, donation and omaksilunastamisesta of the law on the redemption price as referred to in article 12. A rental home with a loan and the rest of the loan, calculated on the basis of a maximum equivalent to the sum may be 95%, except for short-term rental housing perusparannuslainan up to 90% of the purchase.

section 25 of the securities as collateral for the repayment of the loan, the loan a home must be given as security on residential management to justify the second pledge of shares or rights to them or to obtain a mortgage or other security as well as, where appropriate, to provide sufficient collateral. Long-term rental housing perusparannuslainan back guarantee of the payment of the debt, taking into account the applicant's ability to require collateral for loan capital for a larger, up to a maximum of puolitoistakertaiselle.
Loan granting authority approves the loan guarantees. The loan cannot be later require additional security. State Office may accept a temporary loan guarantee for a loan of the Housing Fund from arava.
If lainansaajana is a municipality or Federation of municipalities, not the security is not required.

section 26 of the Arava loans better covering claims attaching to the ownership of a home loan approval in granting loans in May to accept the omarahoitusosuutena the necessary to guarantee the loan, or a mortgage on residential immovable property, for the strengthening of the management shares a home with a loan at a higher privilege should last. Such a guarantee the exercise of the authorization must be obtained again.
Loan granting authority can rent a house purchase loan or rental housing perusparannuslainaa grant to accept it better to guarantee the payment of the rest of the mortgage loan of covering claims attaching to. The lease granted to the arava loans as collateral for the payment of the loan may be a better covering claims attaching to the other to fix the mortgage, if the State Office of housing and Municipal Affairs of the Fund with regard to the granting of a loan by giving a specific reason. The use of these guarantees, the granting of a loan must be reviewed with regard to the other cases, the State Treasury.

Article 27 of the State guarantees may be granted by the State guarantee is necessary for a home lending to the State budget within the limits laid down. The regulation lays down the conditions for the granting of the guarantee and, where appropriate, the more detail it.
Chapter 6 of the relations between the State and the arava lainoituksessa in accordance with § 28 of the debt relationship shall it fall within the competence of the arava loans the funds that it shows the form of a loan from the State Housing Fund (kahdenkertainen, the debt ratio). This way of getting the loan is between the State and produced a promissory note.
The recipient of a loan granted by the Housing Fund for a home is a home loans debt in relation to the State and municipal debt in relation to the loans granted by the arava. The combined loan will be considered a new loan to exist by the authority that issued the loan.

the supply Of article 29 of the State according to article 28 of the State received a loan has to be paid to the Treasury as the recipients of the loan shall be carried out in a home loan. If the borrowers are paying more than the loan terms require, without delay, of the debt is to be reduced respectively to the State. If the ownership of a home loan obtained under an agreement with a private individual to pay interest or principal in several instalments of the loan conditions require, will, however, reduce its debt to the State in accordance with the terms of the loan.

section 30 of the Housing Fund of the securitisation of loans granted by the arava is a right granted by the arava loans then securitises after obtaining the consent of the Committee. The injection of a home with a loan shall also be considered as a housing Board apartment loans granted by private individuals before 1981, with kahdenkertainen, the debt ratio. A home loan securitization does not change the chronological order.

Article 31 of the Division of responsibility If the recipient of the loan debt in proportion to to the home has become permanently insolvent, the State Treasury will decide that a home with a loan remains to the extent that it has not yet been recovered 50% of the responsibility of the State. If this Division of responsibility after the loan still runs, the proceeds will be divided between the State and the same proportion.

32 section, the consent of the Housing Fund, if the person seeking the loan granted to the tenement house is a municipality, municipalities, or, in fact, owned by a limited liability company, is the granting of a loan to get the consent of the Housing Fund.

Article 33 termination of the loan of the Housing Fund may, for serious reasons to terminate in whole or in part as soon as the back pay, according to section 28 of the State received a loan, when has acted in violation of this law or the provisions adopted pursuant to it.
If the payments are included in the loans from the State based on the delay in the securitised loans and instalment of a home more than 30 days after the due date, the amount of the Fund is to lay off back to the apartment all payments by the State included in the loans. As with the securitization of the right to use the collateral of the loan, has the right to have a redundant loan guarantees for loans granted in the light of the arava and gain control over it.
Received by the State referred to in paragraph 2 the loan after the termination and borrower debt ratio is considered between the katkenneeksi and the borrower shall be deemed to have been made directly to the debt ratio in the State. In this case, the State Treasury will inherit a home loan payments directly into their laws. The State Treasury shall immediately change the recovery of payments to the borrower.
Chapter 7 miscellaneous provisions article 34, and determine the amount of the loan will affect lending, lending to the item and the cost of fixing the approved and the reasons for such decisions, as well as the taking into account of the regulation provides for the cost of the plot.
The State shall have the right to issue more detailed provisions on the financing share and enimmäislainan, as well as the amount of the costs to be adopted annually and following the plot.

the index of the annual fee for the use of section 35, the year that is included in the payment of interest and the payment of the sum of the loan other than a year home with a rate cut, the review may be subject to price regulation, wages, earnings and other costs for the development of a descriptive index of the change.

Article 36 (regulation/719) and the Ministry of the Environment, control of the State Housing Fund, the Office of the State and the Community shall have the right to control and enforce this Act and the provisions adopted in the implementation and compliance with the provisions of the. Notwithstanding the provisions on secrecy, the authorities have the right to have access to the documents necessary for the purposes of supervision. The borrower is obliged on demand to submit documents to the Inspector by the audit.

Article 37 denunciation of the loan may be terminated by a home loan Home whole or in part, as soon as the back pay, if: 1) annual fee for execution of the batch or of the interest on the loan, or repayment is delayed more than 30 days after the due date;
2) the borrower has used the loans for purposes other than those for which the loan is granted;
3) the borrower shall borrow substantially false information when applying for, or otherwise given to the granting of the loan significantly affect or concealed;
4) on construction sites is carried out, with a tolerance of essentially approved drawings, construction of the explanation or the terms of the loan;
5) the borrower is in such a way that the loan did not get an adequate guarantee or collateral value substantially deteriorate;
the item for sale or lending to 6) will the borrower or guarantor is declared bankrupt; or 7) the borrower does not otherwise comply with the provisions adopted pursuant to this Act or the regulations, or the terms or the loan.
If article 15, paragraph 3, or the members of the entity referred to in article 15 (b) the designation is cancelled, section 15 (d), the rental mortgage interest subsidy, section 2 of the law (d) or the right of residence of the House for the support of the interest on loans of the law (12/1993) under section 4 (d), may be part of the same group, the community or 15 by the other means referred to in paragraph (b) of the community of the State housing loans to terminate in whole or in part be borne by six months after the termination of the back. If the reason for the revocation of the appointment is removed during this period, the termination has to be withdrawn. (30 April 1999/571)
A home with a mortgage fund loan may be terminated by 2 to 1 of the 4 and 7 on the basis of the meaning of the paragraph and (2) of the Housing Fund and 1 of 1, 3, and 5 – on the basis of the State referred to in paragraph 7 of the Office. A home with a loan granted by the Committee may be terminated by the municipality. (30 April 1999/571)
The loan does not, however, be terminated, if the failure to act as referred to in sub-section 1 is low and it will be corrected without delay.
The loan is due to be paid is pledged to the payment of the debt to be contained without notice, regardless of what it is in the time prescribed.
6 article repealed by the L:lla of 24 June 2004/593.

38 section debt settlement debt arrangements and their impact on the payment of the loan as a home with a State and municipal relations provided for in the law on the organisation of the individual debt (57/93) and the law on the reorganization of the company (47/93).

Can a home loan on the liberalisation of the voluntary arrangement in connection with the request the consent of the State Treasury, the debt settlement will be a binding agreement between the municipality and the debt to. State Office may give general guidance on the conditions of the consent.

39 section (7.8.2015/10) to the appeal, the applicant may claim the housing finance and development centre of the State Treasury and the Board of directors or by the underground or by a decision of the Management Board of adjustment as the law (434/2003). The municipal government or the holder of the decision of the authorities of the Board of adjustment is required, however, to the Government or the relevant Board.
The adjustment to the requirement of the decision may be appealed by appealing to the Administrative Court as administrative act (586/1996).
The administrative court decision in the case referred to in article 33 and 37 on the termination of the loan may be appealed to the administrative law. The rest of the decision may be appealed only if the Supreme Administrative Court grants leave to appeal.
Appealing, however, must not be subject to appeal to the requirement on the adjustment: 1) of the decision, which applies to the municipality under section 8, 12, 16, under section 17, 20 or 26 of the decision;
2) the housing finance and development centre of the 5, 8, 16, 26 or a decision under section 32;
3) decision of the State Treasury State Treasury section 12 's, under section 17, 20, 26, 31 and 38 of the decision.
The first subparagraph of article 3(2) of the decision to be adopted on the basis of the items are not separately lainoitettavista not require adjustment and not appealed.
L:lla 1045/2015 modified section 39 shall enter into force on the 1.1.2016. The previous wording of section 39 of the appeal by the applicant: who is dissatisfied with the Housing Fund of the State Treasury, or municipal government, or to a decision of the Board under this Act or by a regulation adopted pursuant to it in fact, may be completed within 14 days of the date of notification of the decision, an adjustment. Adjustments must be made to the issuing authority and the municipal government or the decision of the Board of Directors of the authority, the holder or the Board. The decision, which shall apply for the adjustment, the adjustment shall be attached to the claim. Your appeal must be dealt with as soon as possible.
The requirement of the authority, on the adjustment of the Housing Fund, or the State Treasury may, subject to article 3, an appeal by the administrative act (586/1996). (5 March 1999/269)
The requirement on the adjustment of the decision, which applies to the municipality of 8, 12, 16, 20 or 26 §: n or arava-Regulation (1587/1993) in accordance with article 34 of the decision by the Court, may not be appealed. The first subparagraph of article 3(2) of the decision taken by the lainoitettavista pursuant to items not specifically apply for adjustment and not appealing to the change. The requirement on the adjustment of the Housing Fund of the Housing Fund, 5, 8, 16, 26 or 32 of the decision may not be appealed. At the insistence of the State Treasury on the adjustment of the State Treasury in 12, 20, 26, 31 and 38 pursuant to section 34 of the regulation, or a home-a decision taken under article, may not be appealed. section 40 (5 March 1999/269) (13 August 2004/734) section 40 is repealed by L:lla 13 August 2004/734.

in the assigned to section 41 of the official, which carries him or of a regulation adopted pursuant to this Act, the functions assigned, is responsible as a public servant.

the provisions of section 42 of the provisions applying for a loan, the More Detailed the construction of the item, as well as a home, a home loan, the terms of the loan, the payment of the loan back to omaksilunastamisesta, arava, and the rest of the implementation of this Act shall be established by regulation.
Chapter 8-the date of entry into force and transitional provisions article 43 entry into force this law shall enter into force on 1 January 1994.
This Act, as amended, is hereby repealed on 22 April 1966 of housing law (247/66), hereinafter referred to as the 1966 housing law, as well as housing perusparantamisesta 19 January 1979 (34/79).

Article 44 transitional provision prior to the entry into force of this law may be to take the necessary steps in the implementation of the law.
At the time of entry into force of this law, a home loan applications will be processed and pending at the time of entry into force of this law, in accordance with the provisions in force, if the application is submitted to the authority before 1 September 1993. With the consent of the applicant to be before 1 September 1993, the rent of a House for a thorough renovation of the mark applied for a loan instead of a grant to a long-term rental housing perusparannuslaina.
The provision of article 5 of the competition procedure shall apply until the entry into force of this law the year after. A rental home with a loan or a home loan in the right of residence to a house named communities retain the 15 or 22 provided for in article. Municipalities, which is housing the perusparantamisesta Act in matters relating to the granting of powers perusparannuslainan, retain their competences.

the application of the law to granted loans in the past article 45 the provisions of this Act shall also apply to loans that are granted to Housing Act of 15 December 1989, and the laws adopted on 21 December 1990 (1140/89 and 1185/90), as well as the purchase of housing law in respect of granting loans and, in some cases, the Act (412/92).
This law, 12, 20, 25, 28 to 31, 33, 36 and 38 to 40 of the Act, as well as 37 in so far as the issue of the competent authority, shall apply, regardless of what is specified in this respect, the debt, the bonds, which are issued by the following laws: 1) home loans, guarantees and assistance Act of 29 March 1949 (224/49);
2) support for the production of urban housing construction with funds from the State of the law of 29 March 1949 (226/49);
3) 4 December 1953 of the Housing Act (488/53);
4) with the exception of the 1966 law on housing production loans referred to in subparagraph (1);
5) housing perusparantamisesta 19 January 1979; as well as 6) rental housing omaksilunastamisesta law of 25 January 1982 (82/82).
In accordance with the laws of the rights referred to in paragraphs (2) to change the mortgage interest payments in a regulation or decision of the State Council will continue to apply. The terms and conditions shall apply to such loans, what each of the loan is set out in the promissory note. Title and mortgage company registries, as well as orders, stock and bonds, as well as a home-ownership in housing marked for your apartment for the purchase of the interest rate subsidy for loans to the State, rather than the loan (76/89) in accordance with the use and restrictions in the leveraged buyout of homes is, however, no longer subject to the entry into force of this law.
If the quote is referred to in this article or it is related to the year 1966 in housing law 13 or 13, paragraph (a) of the State guarantee or other liability, leaving it as is.

46 section of some of the debt, interest rates and stays Above 45, section according to the laws referred to in the amount of perusparannuslainan and the maximum period of time a personal state of a home loan is for 25 years, unless the extent to which the loan debt in the book has already been addressed under, as well as the maximum period of time for a short perusparannuslainan for 10 years. For the payment of interest and repayments of these loans to the State budget each year within the limit of the ceiling, and the maximum period of time extension granted to the borrower's application for a postponement of up to 10 years.
According to the law, the 1966 housing 1 March 1982 and during the period from 31 December 1990, the amount of personal housing loan should be printed on the promissory note marked terms according to the criteria laid down by the Council of State may prescribe the application of such a law in the period of the beginning of the year, the 11th of the eighth loan of interest on the loan, the loan to the end of the year, a period of three or six percent.

47 § Avustusluonteinen perusparannuslaina Homes perusparannuslainan perusparantamisesta according to the law on long-term repayments and interest payments shall be considered as having been paid according to the terms of the loan, without payment if the loan is granted or transferred to the weak financial position of the person over the age of 65, or jointly by him and his wife own homes in a weak financial position to the end, and this was the inscription on the promissory note. Repayments and interest in respect of a dwelling shall be Lainoitetun due from the borrower in a residential installation.
If the borrower fails to meet the conditions referred to in paragraph 1 until the granting of long-term perusparannuslainan or after the transfer, loan repayments and interest, can be the borrower's application to apply, what provides.

The municipality may, notwithstanding the provisions of article 12, of the borrower or his next of kin, on application to leave avustusluonteisen perusparannuslainan irtisanomatta and interest, in whole or in part to be recovered, if the apartment still has the ownership of the transition to the person to whom the loan is granted or transferred to the avustusluonteinen, or his next of kin in permanent housing in use, and recovery would be manifestly disproportionate to the circumstances and in view of the purpose of the aid. In this case, the loan repayments and interest as provided for in paragraph 1 shall be considered as having been paid according to the terms of the loan, without payment, as long as the kohtuullistamisedellytykset are there. (24 June 2004/593)
State Office can provide guidance for the application of paragraph 3. (24 June 2004/593), section 48 in the rest of the application of the provisions of the law of reference Where reference is made to other legislation to the provisions of this Act, a reference to the repealed laws shall be deemed to refer to the rule of the law.
THEY YmVM 13/177/93, 93 acts entry into force and application in time: 5 June 1998/399: this law shall enter into force on 15 June 1998.
A loan made prior to the entry into force of this law, as well as at the date of entry into force of this law the mail merge decisions pending a long-term rental housing perusparannuslainaa at the date of entry into force of this Act shall apply in respect of applications for provisions and regulations.
THEY'RE 44/1998, YmVM 1/1998, EV 41/1998 Strasbourg/728: this law shall enter into force on 15 October 1998.
THEY YmVM 90/1998, 2/1998, EV 88/1998, 5 March 1999/269: this law shall enter into force on 1 April 1999.
Before the entry into force of this law, upon the entry into force of the Protocol annexed to the decision is subject to the provisions of law in force.
THEY YmVM 237/1998, 7/1998, 12 March 1999/1998/251 of 338 of the EV: this law shall enter into force at the time of the decreed.
THEY'RE 60/15/1998, 1998, MmVM EV 252/1998 of 30 April 1999/571: this law shall enter into force on 1 January 2000.
Before the entry into force of this law the decisions taken on the designation of the community-a home with a loan or lease the right to occupy the House for the loan will remain in force. This law 15 (a) – 15 (d), of article 22 and 37 shall apply to these lainansaajiin.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY YmVM 11 274/1998/1998, EV 306/1998 on 21 May 1999/623: this law shall enter into force on 1 December 1999.
THEY'RE 30/1998 31/1998, EV, HaVM 303/1998, 21 January 2000/50: this law shall enter into force at the time of the decreed. (L 50/2000 entered into force in accordance with A 131/2001 21.2.2001.)
THEY'RE 104/1999, 16/1999, MmVM EV 128/1999/698 27.7.2001: this law shall enter into force on 1 January 2002.
Before the entry into force of this law may be to take the necessary steps in the implementation of the law.
THEY YmVM 4/96/2000, 2001/56/2001 EV eAccessibility: this law shall enter into force on 1 January 2003.
If the item has become the ownership of the home lending prior to the entry into force of this law, shall apply to paragraph 12, as amended at the date of entry into force of this law.
THEY 181/2002, YmVM 14/2002, 11 December 2002, 151/2002/1105 EV: this law shall enter into force on 1 January 2003.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY are 233/2002, YmVM 16/2002, EV at issue/129/2002:153 of This Act shall enter into force on 1 March 2003.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY'RE 100/20/2002, YmVM 2002, regulation 227/2002/719 EV: this law shall enter into force on 1 September 2003.
Before the entry into force of this law may be to take the necessary steps for its implementation.
THEY YmVM 1/23/2003, 2003/19, 2003 24 June 2004, EV/593: this law shall enter into force on 1 July 2004.
This law shall apply to the grant nature of the loans to the extent that they have not yet been recovered from the period or at the time of entry into force of this law.
THEY YmVM 63/2004, (EC) No 9/2004 of 13 August 2004, the EV 76/2004/734: this law shall enter into force on 1 September 2004.
Article 15 (e) of the law shall apply for tuloutettavaan return, since the entry into force of this Act which have begun.
An insurance business in the community, or with the same group in the community, which does not own other arava rental housing as such, with the construction, acquisition or Reno there is a loan granted before the entry into force of this law, shall not apply to article 15 (a) and not excluded as referred to in article 15 (b).
Before the entry into force of the law can be used to take the necessary steps for its implementation.
THEY'RE 79/2004, YmVM 10/2004 RSV 78/2004 brought on 29 December 2005/1211: this law shall enter into force on 1 January 2006.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY YmVM 98/05, 16/2005, EV 177/2005 on 18 August 2006/715: this law shall enter into force on 1 September 2006.
Before the entry into force of this law may be to take the measures needed to implement this law.
THEY YmVM 47/2006 4/2006, EV 65/2006 August 26, 2011/989: this law shall enter into force at the time of the Council of State decreed.
THEY 247/2010, MmVM 34/2010, EV 7.8.2015/353/2010 1045: this law shall enter into force on the 1 January 2016.
On appeal before the entry into force of this law shall apply to the Management Board on the date of entry into force of this law, the provisions in force.
THEY'RE 230/26/2014 2014, LaVM, EV 319/2014