Key Benefits:
See the copyright notice Conditions of use .
In accordance with the decision of the Parliament:
Housing loans from the State Housing Fund ( Aravalaina ) The construction, acquisition and basic improvement of housing, rental and residential housing, as provided for in this Act.
This Act shall not grant loans to dwellings for which a loan or interest rate subsidy may be granted under the financing of the rural economy (329/1999) Or the Law on the Structures of the reindeer economy and of nature (2006) Or under any other law from the resources of the agroeconomic development fund. (26.08.2011)
L to 989/2011 (2) shall enter into force at the time of the adoption of the Council Regulation. The previous wording reads:
This Act shall not grant loans to dwellings for which a loan or interest rate subsidy may be granted under the financing of the rural economy (329/1999) Or the financial law of reindeer husbanded (45/2000) Or under any other law from the resources of the agroeconomic development fund. (21.1.2000)
Arab loans may be granted For construction For the construction of one or more residential buildings, or Procurement, Which refers to the acquisition of one or more dwellings or other residence in an existing building stock. Construction and purchase of dwellings may be included in the purchase of land. The fact that the acquisition of a newly-completed building or apartment complex is included in the construction of a new building is regulated by a regulation.
Arab loans may also be granted Basic improvement , which:
(1) an increase of the original level of the dwelling, of the dwelling, or of their yard or of any other immediate environment, or the return of non-annual correction measures to a new or original level; or
(2) existing facilities are mainly converted or expanded into dwellings or related facilities.
Araval loans may be granted within the limits of the mandate laid down in the State budget.
The Government of Finland shall establish regional and other criteria for the granting of loans. The Ministry of the Environment will be able to accept the municipality-specific allocation powers required under them, on a proposal from the State Housing Fund. The municipality shall select the items to be quoted which may be used in the context of the general conditions for the granting of the loan.
On the financing of loans for the financing of the sale of loans to the State Housing Fund in the form of loans granted to the State Housing Fund, lending in the context of the State budget, the securitisation of loans and the transfer of funds to the Housing Fund Or otherwise provided for in the State Housing Fund, (1144/89) The Housing Fund controls the disbursement of loans.
The State Housing Fund and the municipalities are issued by the State Housing Fund as specified by the Regulation. The municipality must provide the Ministry of the Environment and the Housing Fund with the necessary plans, information and documents necessary for the purpose of carrying out the money supply.
The State Treasury pays and inherits the loans granted by the Housing Fund and awarded by the municipality.
The municipality's duties and responsibilities in the field of Araval are the municipality where the object of the reserve is located, unless otherwise agreed between the municipalities.
Araval loans are granted for the development of housing conditions on the basis of social relevance and economic necessity. (18.08.2006/715)
The dwellings of Arava must be suitable for residential and residential purposes, as well as for the costs of construction, acquisition or renovation, as well as maintenance and accommodation costs. With the exception of construction, the construction and basic improvement of the inhabitants, except for the construction of the inhabitants, must be based on a competitive procedure, unless the Housing Fund, for a specific reason, grants a derogation. The Ministry concerned shall have the right to lay down rules and guidelines on what is provided for in this paragraph.
The Law on Public Procurement (1505/1992) Shall, in addition, comply with that law and the acts adopted pursuant thereto.
The granting of an Arab loan requires that the borrower be judged to have sufficient conditions to repay the Aravalent.
The issuing authority shall verify that the general conditions laid down in this Article are in place when the loan is granted.
Law on the use, transfer and redeematolling of rented dwellings and leased houses (1190/93) And the Act on Housing Housing (650/90) Provides for the restriction of the use and disposal of the shares of the housing and the company which owns it and of the shares and shares to which it is entitled to reside and its management. Such restrictions shall be entered in the form of a loan and a mortgage register, as well as a list of shares and a list of shares ( The restriction marking ).
The use and disposal of UAR shall only be subject to the provisions of the Financial Regulation and the transfer of the loan.
A private person may be granted a holding of ownership as a residence:
1) for the construction of a private house ( In self-form );
2) for the purchase of a private house ( The purchase of a private house );
3. For shares in the management of dwellings which are eligible for the management of the dwelling, or from the approved housing stock company house ( Housing stock, );
4) for the purchase of shares in the dwelling facility for the acquisition of shares in the housing stock company house ( Purchase of housing shares ); or
5) for the basic improvement of the household ( A basic improvement loan for a private house ).
The acquisition of housing shares may also be granted to the person who, under the law on the use, transfer and repurchase of rented houses, has the right to redeem the dwelling.
A housing limited liability company may be granted for the construction of a housing limited company house ( A construction loan ). A construction loan may, in whole or in part, be converted into a housing loan in the case of a dwelling in the case of a dwelling facility or a rental home within the meaning of Article 13 (1) (3).
A building owned by a housing company or any other building of at least two residential quarters may be awarded for a basic improvement ( Community loan for basic improvement ). The basic improvement loan of the Community may be wholly or partly changed by the owner of the dwelling in the same way as the dwelling (loan for the renovation of dwellings ).
In the case of a purchase loan or a purchase loan of dwelling shares, except for the purchase of an apartment for the purpose of redeemability of the dwelling, it is only possible to acquire a house or a dwelling apartment which was not previously constructed or purchased Have been granted an Araval loan, or if the Aravalina has been granted, it has been repaid. The award of a contract requires that the construction of dwellings in the area concerned is not justified in view of the long-term need for accommodation and that the purchase of an apartment is more favourable than the construction of a similar new dwelling.
The granting of support for property loans is based on the social expediency and the economic need to be assessed on the basis of the needs, wealth and income of the applicant institution.
In the event of the allocation of the ownership loan referred to in Article 7 (1) (1) and (5), priority shall be given to the most needy, the most deprived and low-income claimants. The order of precedence may be waiving in an individual case if it is justified by the particular circumstances of the applicant and the housing situation in the place.
A decree of the Council of State may provide for a more detailed set of criteria for the granting of the grant of such loans.
The owner of the reserve fund shall be granted a municipality.
A construction loan and a Community loan for a basic improvement loan are granted by the Housing Fund. However, the Community loan for a basic improvement loan shall be granted by a municipality where there are no more than two dwelling apartments after basic improvement.
The municipality decides, in relation to the apartment building, as regards the conversion of a construction loan to a dwelling equity loan or a rental home loan and a change in the basic improvement loan to the basic improvement loan.
At the request of the Municipality, the Ministry of the Environment may delegate the powers of the Housing Fund to the Municipality of Housing and to grant full or partial loan to the municipality. The Ministry may, on application by the municipality or, in particular, withdraw the delegation.
The Housing Fund approves the construction of a housing stock company building for the purpose of issuing housing loans.
Holders of ownership of the annual instalment are self-subscriber, private households, housing shares and purchase of housing shares.
The annual fee payable in two instalments is included in the interest and payments of the loan. The annual fee shall first be remunerated at the interest rate. The amount of the annual fee may be determined either in such a way that it always includes at least the entire interest rate or in such a way that the annual fee is not sufficient to pay the full interest, thereby adding the remaining part of the interest to the capital of the loan.
Contributions to the annual instalments shall not exceed 80 % of the lending value of the object of the loan. However, the purchase of housing shares issued in the form of a purchase of an apartment of an Aravahire dwelling shall not exceed 80 % of the value of the shares, as referred to in Article 12 of the Law on the use, transfer and redemption of leased houses and leased houses From the redemption price. The loan may also be a maximum guaranteed amount in euro per household or residential unit or per metre of habitation. (27.07.2001)
The interest rate and the fixed interest rate for the annual fee, the payment of the annual fee, and the fixed interest on the loan before the date of entry into force of the first annual fee, shall be governed by the Regulation.
A construction loan does not exceed 80 % of the loan value of the subject of the loan, as well as a basic improvement loan of the Community, a basic improvement loan for a household and a basic improvement loan of up to 60 %, or if the question is: A site of cultural historical or architectural value, up to 80 % of the eligible costs of the basic improvement. The loan may also be a maximum guaranteed amount in euro per household or residential unit or per metre of habitation. (27.07.2001)
The loan period for the construction period shall not exceed two years. The loan period for the basic improvement loan of the Community shall not exceed 10 years and shall not exceed 25 years for a basic improvement loan and a basic improvement loan for the dwelling house.
The interest rate and interest rate and abbreviations for the renovation loan, the basic improvement loan of the Community loan, the basic improvement loan and the renovation of the dwelling facility are laid down by the Regulation.
The transfer of the owner's or part of a loan shall require that the new owner of the subject of the loan comply with the law or the conditions under which it relates to the law or to the provisions adopted pursuant to it. If the subject of the ownership of the reserve is to be owned by the municipality, it may be transferred to the municipality or part thereof. The Treasury decides on the transfer of the loan granted by the municipality and by the municipality. If the loan is not transferred, the State Treasury or the municipality shall immediately terminate the loan. (2002/1035)
At the same time, the decision on the transfer of ownership of the annual instalment shall provide for the level and amount of the annual fee in line with the changed situation.
Rent arrees may be granted:
1) for the construction of a rented house ( Leased house loan );
2) for the purchase of a rented house ( Purchaser of the rental house );
(3) for shares in dwelling housing used for the management of residential dwellings which are being used for the management of residential dwellings which are under construction or from an approved housing stock company house ( Rented accommodation );
4. For the acquisition of shares in the housing of a dwelling in the form of a rented dwelling, an existing housing unit ( Purchaser of a rented dwelling ); or
5) for the purposes of the basic improvement of the rental house or dwelling apartment ( Long-term housing renovation loan Or Short-term housing renovation loan ).
The award of a contract for the purchase of a rental house loan and a tenancy loan shall be subject to:
(1) that the purchase of a house or apartment is more favourable than the construction of a similar house or apartment; and
(2) that the construction of dwellings in that area is not justified by the need for long-term housing, unless the borrower is a municipality or a de facto company owned by the municipality.
(11.12.2002/1105)Where, in accordance with the plan approved by the State Housing Fund, at least 30 % of the dwellings are rented, the rental house of the homeless, the refugees, the Roma or other persons belonging to the special categories of persons, The award of a contract shall not be subject to the conditions laid down in paragraph 2. In this case, the acquisition may only be granted to the municipality, to a company or entity actually owned by the municipality, whose activities are intended to improve the living conditions of persons belonging to the specific groups by providing them with housing. (11.12.2002/1105)
When purchasing a rental accommodation for a homeless person, a refugee, a Roma or a person belonging to a special group, the award of a contract shall not be subject to the conditions laid down in paragraph 2. (11.12.2002/1105)
§ 14 has been repealed by L 5.6.1998/399 .
Rent arrees may be granted:
(1) the municipality or any other public body;
Paragraph 2 is repealed by the L 13.8.2004. .
(3) to the entity that fulfils the conditions referred to in Article 15a and has been designated by the State Housing Fund; and
(4) to a limited liability company or a housing limited company in which one or some of the entities referred to in paragraphs 1 to 3 are directly responsible for (1336/1997) Section 5 of Chapter 1 The control referred to in point 1. (18.08.2006/715)
The entity referred to in Article 15 (3) and a company which controls the entity under Article 5 (1) (1) of Chapter 1 of the Accounting Act, shall fulfil the following conditions and shall act accordingly: (18.08.2006/715)
(1) the Community's activity is to construct and acquire rental and housing units and to rent them on social grounds, or to provide them with housing rights, with the aim of ensuring the best and safe living conditions of the residents; Cost;
(2) the entity declares the dwellings to be publicly available;
(3) the entity shall not flood its owner with a reasonable return on the assets established by the owner, which is at least two percentage points higher than the interest rate for the five-year bond of the State and the basis for which it is calculated; and The Council of State will provide more detail;
(4) the Community shall entrust the (1190/1993) Or shares or units which are eligible for the control of their use or their control, or units only in the dwelling, or to the entity whose business includes the provision of rented dwellings; other than those mentioned above Where there is no demand for accommodation, shares or units, if there is no demand for such housing units in the area, or if there is another reason to sell some of them; (13.08.2004)
(5) the entity shall organise the ownership of dwellings in such a way that the equalisation of the rents or use is possible, and does not organise the Community structure in such a way as to jeopardise the responsibility to bear the responsibility for the economic difficulties which have caused the financial difficulties;
(6) the Community shall not take any risks other than those related to the activities referred to in paragraph 1, and shall not lend to the entity other than those referred to in Article 15b, and shall not guarantee the Community obligation other than those referred to in Article 15b, except in the case of a loan, Of which the entity belonging to the same group takes and invests in the acquisition or construction of the Community leases referred to in Article 15b;
Paragraph 7 has been repealed by L: 13.8.2004/734. (13.08.2004)
(8) Community shares or other equity are not the subject of public trading.
The limitation referred to in paragraph 1 (3) shall not apply to the proceeds of the assets which the owner has placed before 1 January 1980 on loan-rental dwellings, and the amount of those assets shall not be calculated on the basis of the calculation of that yield. However, this yield shall be used in such a way as to safeguard the financing of the own funds necessary for the new production and refurbation of the Community rented housing referred to in Article 15b of the same group. In addition, the revenue may not jeopardise the economic situation of the Community or the entity referred to in Article 15b of the same group, nor the maintenance of the housing stock. (13.08.2004)
For the purposes of applying the conditions referred to in Article 15a, the group shall, as a whole, be treated as one of the entities referred to in Article 15 (3) and belonging to the same group:
1. Other entities referred to in Article 15 (3);
(2) entities with shares or shares eligible under the law on the use, transfer and transfer of aravarented dwellings and rent-hire houses under the law on the use, transfer and redeemability of rented houses;
(3) entities which have the law on the interest rate subsidy for leased house loans Article 10 of the Treaty on European Union A 20-year limitation period of condos or shares enabling them to be controlled; and
(4) entities which are covered by the Housing Housing Act (650/1990) Of the intended housing (247/1966) Article 21 (1) (8), Article 21 of this Act or the Law on the Law on the Housing (1205/1993) Or the Law on the interest rate subsidy on rent and housing loans (604/2001) , provided that the dwellings or shares are subject to the restrictions on use and disposal under the Housing Law Housing Act. (29.12.2005)
The State Housing Fund shall ensure that the entity referred to in Article 15 (3) and Article 15b meets the conditions laid down in Article 15a and acts accordingly.
The State Housing Fund and the person authorised by the Fund shall have the right to obtain the information they require for the supervision of the entities referred to in Article 15 (3) and Article 15b as well as their auditors.
The designated entity shall inform the State Housing Fund in advance of any circumstances which may have an impact on the fulfilment of the conditions referred to in Article 15a.
The State Housing Fund may withdraw the designation of the entity referred to in Article 15 (3) if:
(1) the entity or entity within the meaning of Article 15b of the same group no longer fulfils or acts contrary to the conditions referred to in Article 15a;
(2) the entity or entity within the meaning of Article 15b of the same group has taken effective measures which are contrary to the content or the conditions set out in Article 15a; or
3) the entity shall apply for the withdrawal of the designation.
The entity referred to in Article 15 (4), where the entity referred to in Article 15 (1) of the Community has control as referred to in Article 5 (1) (1) of the Accounting Act, shall not be allowed to enter its owner more than in accordance with Article 15a (1) (3). A qualifying return if the entity owns: (18.08.2006/715)
(1) shares or shares which are subject to the restriction of the use and transfer of funds under the RIP;
(2) the 20-year limitation period referred to in Article 10 of the Law on the subsidy on mortgage loans, or shares which justify their management;
(3) the Law on the interest rate subsidy on mortgage loans and housing loans (604/2001) Or shares eligible for their management; or
(4) Article 6 (1) (8) of the Housing Act, referred to in Article 6 (1) of the Housing Act, Article 21 of this Law or Article 20 of the Law on the interest rate subsidy on housing loans, or Article 20 of the Law on the interest rate subsidy on rent and residence loans , provided that the dwellings or shares are subject to the restrictions on use and disposal under the Housing Law Housing Act. (29.12.2005)
Where the same group comprises several entities with shares or shares eligible for the management of the dwellings referred to in paragraph 1 (1) to (4), entities shall be treated as a single entity for the purpose of determining the amount of the permitted income.
The contract for the purchase of a mortgage and a housing loan is granted by the municipality. However, the loan will be granted by the Housing Fund if the applicant is an entity that operates nationwide for the purchase of housing, mainly for homeless people, refugees or Roma.
The housing fund is granted by a mortgage loan, a tenancy loan, and a long-term and short-term rent renovation loan. In the case of a house loan and a tenancy loan, if there are not more than two dwellings, and a basic improvement loan for a long-term and short-term rental, if there are no more than two dwellings after basic improvement, However, the municipality.
The Ministry of the Environment may, upon application by the municipality, transfer the jurisdiction of the Housing Fund in full or in part to the municipality. The Ministry may, on application by the municipality or, in particular, withdraw the delegation.
The Housing Fund approves the construction of a housing limited company house for the purpose of granting loans for rented loans.
Rent-arrets may be charged in the form of annual instalments of interest and abbreviation, or in such a way that the interest and the abbreviation is charged separately. However, the short-term renovation loan will not be charged as an annual fee.
The interest and the abbreviation shall be levied twice a year. The annual fee shall first be remunerated at the interest rate.
The interest rate on the lease shall be reasonable in relation to the interest payable on loans granted for the same purpose, nor shall the interest and payments of the loan or annual fee be unreasonable for the residents. Housing costs.
The interest and payment of the temporary loan loan or the annual fee may be reduced if the average rent or rent of a rented house is higher than that of the Housing Act. (408/1975) , or for other specific reasons.
The interest rate and the reduction in the annual instalment, the payment and the annual fee, their reduction, their reduction and the fixed interest to be recovered prior to the entry into force of the first annual fee or the start of the abbreviations shall be more detailed. By a decree of the Government.
The non-short-term basic improvement loan shall be limited to a maximum of 95 % of the loan value of the item of the loan or the authorised basic improvement costs. A long-term housing renovation loan may also be a maximum loan for a rented house or dwelling, or a maximum guaranteed amount in euro per metre.
A basic improvement loan for short-term rental is not more than 60 %, or if it is a site of cultural or architectural value, up to 80 % of the eligible costs of the basic improvement. The loan may also be a maximum loan for the rental house or dwelling, or a maximum loan per inhabitant in euro. (27.07.2001)
The loan period for a basic improvement loan for short-rent housing shall not exceed 10 years. The payment of interest and the abbreviation shall be governed by the Regulation.
If the subject matter of the rental is to be owned by the municipality, it shall be transferred to the municipality to be answered by the municipality. In other cases, the transfer of a rental or part of a loan shall require that the new owner of the subject of the loan comply with the conditions laid down in law or under the provisions laid down in law or on the basis of its provisions. The Treasury decides on the transfer of the loan granted by the municipality and by the municipality. If the loan is not approved, the State Treasury or the municipality shall immediately terminate the loan.
Araval may be granted for the construction of a housing court for the purposes of Article 1 of the Housing Legal Housing Act, for the purpose of purchase, for the purpose of purchase, for the purpose of acquiring a housing loan and for basic improvement in a long-term or short term As a basic improvement loan for rental.
Grants of the housing court may be awarded:
(1) the municipality or any other public body;
(2) to the entity that fulfils the conditions referred to in Article 15a and has been designated by the State Housing Fund; and
(3) a limited liability company or a housing limited company in which one or some of the entities referred to in paragraphs 1 or 2 have direct control within the meaning of Article 5 (1) (1) of the Accounting Act. (18.08.2006/715)
Articles 15 a to 15d shall apply to the borrowers referred to in paragraph 1 (2) and to companies in which they have control as referred to in Article 5 (1) (1) of the Accounting Act. (18.08.2006/715)
The size of the mortgage loan of the housing court is a rental loan and, as a tenancy loan, up to 90 % of the loan value of the subject of the loan. In the case of a mortgage loan, a tenancy loan, or a basic improvement loan for a long-term or short-term rental, the mortgage loan of the housing court shall be governed or otherwise provided, unless this or any other law, or Subject to the provisions adopted thereunder.
In the case of Aravalaina, the sum of the loan for the renovation loan and the basic improvement loan for the dwelling shall not exceed 90 % of the ratio of the loan to the residential unit of the principal loans and loans to the housing stock company. The purchase of a house in the section of the dwelling. The sum of the other equity loans and of the preferential loans outstanding shall not exceed 90 % of the acquisition value of the subject-matter of the loan or, in the case of housing shares issued for the redemption of the leased-hire dwelling Of the redemption price referred to in Article 12 of the Law on the use of the loan, the use of arva leased houses and the leased houses, the supply and the redemption. The total amount of rent-arloan and other loans may not exceed 95 % on the basis of the corresponding criteria, except for a basic improvement loan of a short-term rental period of up to 90 % of the above-mentioned procurement values.
The guarantee of the repayment of the Arab loan shall be provided as collateral in respect of the shares or after-deposit rights which entitle the holder to the management of the dwelling, or the mortgage or other collateral and, where appropriate, provide adequate additional security. In view of the applicant's lending capacity, the guarantee of a long-term housing improvement loan may be required, taking into account the ability of the applicant, to require a guarantee to a higher amount than the maximum amount of the loan.
The granting authority shall approve the loan guarantees. The loan cannot subsequently be required for additional collateral. The Treasury can accept a temporary loan loan for an Aravalina granted by the Housing Fund.
If the borrower is a municipality or a consortium of municipalities, the guarantee shall not be required.
When granting an ownership loan, the municipality may accept as a loan the amount of the loan needed to secure the management of shares or mortgages on the ownership of the dwellings under the management of the dwelling of the dwelling. The renewal of such a guarantee shall be subject to the authorisation of the municipality.
The issuing authority may, when granting a loan for a contract or a basic improvement loan for a temporary agency, approve it with a better preference for the payment of another loan. In the event of a loan granted by the State Treasury for a loan granted by the Housing Fund and the municipality of the Municipality of the Municipality of the Municipality and the Municipality of the Municipality, it is necessary to establish a guarantee for the payment of any other loan. The reuse of these guarantees shall be subject to the authorisation of the municipality and, in other cases, by the State Treasury.
State guarantees may be granted, within the limits laid down in the State budget, if necessary. The Regulation provides, where appropriate, for more detailed information on the granting of the guarantee and its conditions.
The Municipality grants it its competence for the funds which the Housing Fund allocates to it from the State ( Double debt ratio ). A loan thus obtained by the municipality is not drawn up between the State and the municipality.
The beneficiary of the Aravalina is in the Araval loans granted by the Housing Fund in the event of a debt ratio in the country and in the municipality of Araval in the case of the municipality. The combined loan is deemed to be a loan granted by the new loan authority.
According to Article 28 of the Municipality, the loan received by the State must be paid to the Treasury as the beneficiaries of the AIF have to carry out their loan to the municipality. If the borrowers pay more than the loan conditions require, the municipality must immediately reduce its debt to the State accordingly. However, if, under an agreement with the municipality, a private person who has been granted a holding of ownership pays interest or abbreviations to the municipality in more than one condition, the municipality shall, however, reduce its debt to the State in accordance with the terms of the loan.
The Housing Fund has the right to securities issued by the municipality upon receipt of the Municipality's consent. Housing loans granted by the municipality are also considered to be loans granted by the Housing Board before 1981 to private individuals with a double debt ratio. The securitisation of Aravala does not alter the two-fold debt ratio.
In the event that the beneficiary of the loan in the municipality has become permanently insolvent, the Treasury should decide that the reserve fund remains in so far as it has not been charged to the State by 50 %. If, after this division of responsibility, the loan is still to be made to the municipality, the funds received shall be distributed between the State and the municipality in the same proportion.
If the municipality of the municipality as an applicant is the municipality, the consortium or the company actually owned by the municipality, the consent of the Housing Fund to be granted shall be granted.
According to Article 28 of the Municipality, the Housing Fund may, for compelling reasons, immediately withdraw the loan received by the State in accordance with Article 28, when the municipality has acted in contravention of the law or provisions adopted pursuant to this law.
If the loans contained in a municipality's contribution are based on loans from the State to securitised reserve loans and the payment period is delayed more than 30 days from the due date, the Housing Fund shall be repayable in respect of all the claims received by the municipality in respect of: Loans. The person who, on the basis of a securitisation, has the right to a loan for the use of collateral shall be entitled to the security of the loans granted on the basis of the cancelled loan.
After the withdrawal of the loan received by the municipality referred to in paragraph 2 above, the debt ratio between the municipality and the borrower shall be considered to have been broken and the duration of the loan is deemed to have been directly related to the sovereign debt. In this case, the Treasury collects the money from the loan directly from the borrowing. The State Treasury shall immediately inform the borrower of the variable recovery of the charges.
The loan value, the acquisition value and the accepted costs and the grounds for taking into account the cost of the property shall be regulated by the Regulation.
The State Council is entitled to give more detailed provisions on the amount of the loan and the maximum amount of the loan and the annual amount of land eligible.
The adjustment of the annual fee, the interest rate and the interest rate charged in the non-annual instalment of the annual contribution may be set by the Regulation to be dependent on the change in prices, wages, earnings or other cost indices.
The Ministry of the Environment, the State Housing Fund, the State Treasury and the municipality have the right to direct and supervise compliance with this law and the provisions adopted pursuant to it. The authorities shall have the right, without prejudice to the provisions of confidentiality, to have access to the necessary documents to carry out such checks. The recipient of the loan is required to submit the documents to the inspector for inspection.
An Arab may be made redundant in whole or in part immediately, if:
(1) the payment of the annual instalment or the interest on the loan or the repayment of the loan is delayed more than 30 days from the due date;
(2) the borrower has used the loan for a purpose other than the loan granted;
(3) the borrower, when applying for the loan, or otherwise substantially misinformation, or concealed the fact that the loan is substantially affected;
(4) construction work is carried out by deviating substantially from the approved drawings, the construction explanation or the loan conditions;
(5) the borrower shall act in such a way that the loan is not sufficiently secured or the value of the collateral is substantially impaired;
(6) the object of the lending is declared to be sold, or the borrower or guarantor is declared bankrupt; or
(7) the borrower does not otherwise comply with this law or any provisions or provisions adopted pursuant to it.
If the designation of the entity referred to in Article 15 (3) or Article 15b is withdrawn from Article 15d, Article 2 (d) of the Law on the interest rate subsidy on mortgage loans or the Law on the interest rate subsidy on housing loans (1205/1993) Article 4d , the Community or any other entity within the meaning of Article 15b of the same group, may be repayable, in whole or in part, six months after the dismissal. If the reason for the withdrawal of the designation is eliminated during this period, the termination shall be withdrawn. (30.04.1999/571)
On the basis of points (2) to (4) and (7) and (2) of paragraph 1, the housing fund may be made redundant by the housing fund and, on the basis of paragraph 1, paragraphs 1, 3 and 5 to 7, of the Treasury. A municipality may be dismissed by the municipality. (30.04.1999/571)
However, the loan shall not be terminated if the non-compliance referred to in paragraph 1 is minor and is corrected without delay.
In the event of a loan, the amount of the debt shall be deemed to be payable, regardless of the amount of the payment period, which is due to be paid out.
Article 6 has been repealed by L 24.6.2004/593 .
The debt facility and its impact on the payment and dismissal of the Aravalent, as well as the relationship between the State and the municipality, are governed by the law on the debt regime of a private person (57/93) And the law on restructuring of the company (47/93) .
In the context of the voluntary liability regime for an Aravalese loan, the municipality may request the agreement of the Treasury to make the debt arrangement binding also in the case of the Municipality and State Treasury. The State Treasury may provide general guidance on the conditions of consent.
The applicant may require the holder of the Housing Financial and Development Centre, the State Treasury and the municipal council, or the municipal council or board, to complete the adjustment in accordance with the administrative law (2003) Provides. However, any adjustment to the decision-holder of the municipal board or board of officials shall be required by the municipal authorities or the relevant Board.
The decision to amend the requirement of amendment may be appealed against by the administrative court, as in the case of administrative law (18/06/1996) Provides.
In the case concerning the termination of the loan referred to in Articles 33 and 37 of the Administrative Court, an appeal may be lodged by way of appeal as laid down by the Law on Administrative Law. An appeal against any other decision of the administrative court may be lodged only if the Supreme Administrative Court grants an appeal.
However, an appeal shall not be subject to an appeal against the request for redress:
(1) the decision of the municipal authority on the decision taken by the municipality pursuant to Articles 8, 12, 16, 17 (4), 20 or 26;
(2) the decision of the Centre for the Housing and Development of Housing for a decision adopted pursuant to Articles 5, 8, 16, 26 or 32;
3) The decision of the State Treasury pursuant to Article 12, Article 17 (4), 20, 26, 31 or 38 of the Treasury.
By virtue of Article 3 (2) of the Municipality, no adjustment shall be required for the purposes of the decision to be taken and the appeal shall not be claimed.
L to 10/05/2015 Article 39 shall enter into force on 1 January 2016. The previous wording reads:
An applicant who is dissatisfied with the decision taken by the Housing Fund, the State Treasury, the municipality, the municipal council, or the municipal board or board of officials in the matter referred to in this Act, or the regulation adopted pursuant to it, shall apply for an adjustment Within 14 days of notification of the decision. The adjustment requirement shall be made to the authority which took the decision and to the municipal board or the Board of Appeal of the decision-holder of the municipal board or board. A decision to request an adjustment shall be accompanied by a request for a correction. The adjustment requirement shall be addressed without delay.
The decision of the municipal authority, the Housing Fund or the Treasury, subject to paragraph 3, shall, subject to the provisions of paragraph 3, be subject to appeal by: (18/06/1996) Provides. (5.3.1999/269)
The decision of the municipal authority on the adjustment requirement concerning Articles 8, 12, 16, 20 or 26 of the municipality or of the (1587/1993) , may not appeal against the appeal. By virtue of Article 3 (2) of the Municipality, the addressees of a decision to be brought to a decision shall not be subject to an appeal or an appeal. The decision on the adjustment to the Housing Fund, which relates to a decision taken pursuant to Articles 5, 8, 16, 26 or 32 of the Housing Fund, shall not be subject to appeal. The decision of the State office in respect of the requirement of adjustment under Articles 12, 20, 26, 31 or 38 of the Treasury or the decision taken pursuant to Article 34 of the Arva Regulation shall not be appealed against. (5.3.1999/269)
Article 40 has been repealed by L 13.8.2004. .
Any person who carries out tasks entrusted to him under this law or under a regulation adopted pursuant to it shall be responsible for his actions as an official.
More detailed provisions on the application of the loan, the construction of the site and the drawing up of the loan, the terms and conditions of the loan, the redemption of the loan, the repayment of the loan and the rest of the implementation of this law shall be adopted by the Regulation.
This Act shall enter into force on 1 January 1994.
This law will repeal the Housing Act of 22 April 1966, together with subsequent amendments, (247/70) ('the 1966 Housing Act ') and the Law of 19 January 1979 on the basic improvement of housing (34/79) .
Before the entry into force of this Act, measures may be taken to implement the law.
Upon entry into force of this Act, applications for financial assistance shall be processed in accordance with the provisions in force at the date of entry into force of this Act, if the application has been lodged with the Authority before 1 September 1993. Prior to 1 September 1993, the applicant may, with the agreement of the applicant, be granted a long-term loan improvement loan for a temporary housing renovation loan.
The provisions of Article 5 (2) on the competition procedure shall apply only one year after the date of entry into force of this Act. The entities designated for the purpose of renting an Aravala or a housing court shall retain their eligibility as referred to in Article 15 or 22. The municipalities which have been delegated powers under the Basic Improvement of Housing Act in matters relating to the granting of a basic improvement loan shall retain their powers.
The provisions of this Act shall also apply to loans granted in respect of loans granted under the laws of 15 December 1989 and 21 December 1990 (1140/89 and 1185/90) and to purchase loans under the housing law In certain cases of granting (1999) Included.
Articles 12, 20, 25, 28 to 31, 33, 36 and 38-40 and 37 of this law, in so far as the question of the competent authority is concerned, irrespective of the way in which the promissory note is assigned, the loans granted under the following laws According to:
1) Law of 29 March 1949 on mortgage loans, guarantees and grants (224/49) ;
2) Law of 29 March 1949 on support for the production of housing units in residential centres with State resources (19,26) ;
3) Housing Act of 4 December 1953 (19,21) ;
(4) the housing laws of 1966, with the exception of loans referred to in paragraph 1;
(5) the law of 19 January 1979 on the basic improvement of housing; and
6) Law of 25 January 1982 on the redemption of rented dwellings (182/82) .
In accordance with the laws referred to in paragraph 2, the right to modify mortgage interest rates by a regulation or by a decision of the State Council remains in force. The terms of these loans will otherwise be subject to the provisions of the debt instrument for each loan. In the case of loans to mortgage and mortgage registers, as well as the provisions of the Law on the provision of interest-rate subsidies for the acquisition of own dwellings marked for the acquisition of own dwellings instead of sovereign debt, as well as for the acquisition of own dwelling (1936) , the restrictions on the use and disposal of the listed dwellings shall no longer apply after the entry into force of this Act.
If the loan referred to in this Article has been granted or relates to the State guarantee or other equivalent liability referred to in Article 13 or 13a of the 1966 Housing Production Act, it shall remain as such.
In accordance with the laws referred to in Article 45 (2), the maximum maturity of the loan granted under the laws referred to in the laws referred to in Article 45 (2) shall be 25 years, unless otherwise specified in the debt instrument of the loan, as well as a short-term loan Maximum loan time of 10 years. For these loans, the municipality may, within the limits of the maximum amount laid down in the State budget each year, and without extending the maximum duration of the loan, grant an extension of up to 10 years.
By way of derogation from the terms of the personal mortgage debt issued between 1 March 1982 and 31 December 1990, the Municipality may, by way of derogation from the criteria laid down by the Council, determine, in accordance with the criteria laid down by the Council, At the request of the borrower, from the beginning of the eighth year of the loan, from the beginning of the 11th year of the loan, to three or six per cent.
The abbreviations and interest rates of the long-term basic improvement loan granted under the Law on the Basic Improvement of Housing are deemed to be unpaid under the terms of the loan, provided that the loan has been granted or transferred to the For a 65-year-old person, or jointly to him and to his or her disadvantaged spouse's own apartment, a note has been entered into the promissory note. In the case of landings and interest due to the maturity of the loan, the apartment must be settled.
Where the borrower fulfils the conditions referred to in paragraph 1 only after the grant or transfer of a long-term basic improvement loan, the repayment of the loan may, on application by the borrower, be subject to the provisions laid down in paragraph 1.
Notwithstanding Article 12, the municipality may, at the request of the borrower or of his/her immediate family, waive, in full or in part, the basic improvement loan and the interest thereon, if the accommodation of the property is transferred In spite of the apparent unreasonable circumstances and the purpose of the aid, the person to whom the loan was granted or transferred, or the permanent residence of his or her immediate family, remains. In such cases, the repayment of the loan and interest rates shall be considered as provided for in paragraph 1 without payment under the terms of the loan, as long as the conditions for affordability are in place. (24.6.2004)
The State Treasury may issue instructions on the application of paragraph 3. (24.6.2004)
Where other legislation refers to the provisions of the laws repealed in this way, the reference shall be construed as referring to the provision of this law.
THEY 177/93 , YmVM 13/93This Act shall enter into force on 15 June 1998.
Pending the entry into force of this Act before the entry into force of this Act, the applications for a long-term housing improvement loan at the date of entry into force of this Act shall apply from the date of entry into force of this Act. Provisions and regulations.
THEY 44/1998 , YmVM 1/1998, EV 41/1998
This Act shall enter into force on 15 October 1998.
THEY 90/1998 , YmVM 2/1998, EV 88/1998
This Act shall enter into force on 1 April 1999.
Before the entry into force of this Act, the provisions in force at the time of entry into force of the Act shall apply.
THEY 237/1998 , YmVM 7/1998, EV 251/1998
This Act shall enter into force at the time laid down by the Regulation.
THEY 60/1998 , MmVM 15/1998, EV 252/1998
This Act shall enter into force on 1 January 2000.
Decisions taken before the entry into force of this Act shall remain valid for the designation of the Community as a beneficiary of a temporary or residential loan. Articles 15a to 15d, 22 and 37 of this Act also apply to these borrowers.
Before the entry into force of this Act, measures may be taken to implement the law.
THEY 274/1998 , YmVM 11/1998, EV 306/1998
This Act shall enter into force on 1 December 1999.
30/1998 , Case 31/1998, EV 303/1998
This Act shall enter into force at the time laid down by the Regulation. (L 50/2000 entered into force on 21 February 2001 in accordance with A 131/2001.)
THEY 104/1999 , MmVM 16/1999, EV 128/1999
This Act shall enter into force on 1 January 2002.
Before the entry into force of this Act, measures may be taken to implement the law.
THEY 96/2000 YmVM 4/2001, EV 56/2001
This Act shall enter into force on 1 January 2003.
If the object of the reserve sole has become the property of the municipality before the entry into force of this Act, Article 12 (1) shall apply as it enters into force.
THEY 181/2002 , YmVM 14/2002, 151/2002
This Act shall enter into force on 1 January 2003.
Before the entry into force of this Act, measures may be taken to implement the law.
THEY 233/2002 , YmVM 16/2002, EV 153/2002
This Act shall enter into force on 1 March 2003.
Before the entry into force of this Act, measures may be taken to implement the law.
THEY 100/2002 YmVM 20/2002, EV 227/2002
This Act shall enter into force on 1 September 2003.
Before the entry into force of this Act, measures may be taken to implement it.
THEY 23/2003 , YmVM 1/2003, EV 19/2003
This Act shall enter into force on 1 July 2004.
This law shall apply to loans of a grant nature in so far as they have not yet been recovered from the legal period or from the municipality at the time of entry into force of this Act.
THEY 63/2004 , YmVM 9/2004, EV 76/2004
This Act shall enter into force on 1 September 2004.
Article 15e shall apply to the income resulting from the financial years which have started since the entry into force of this Act.
To the Community or to a community belonging to the same group which does not belong to the same group of holdings other than those of which the loan was granted before the date of application of this Law, , shall not apply to the entities referred to in Article 15a and not included in Article 15b.
Before the law enters into force, action can be taken to implement it.
THEY 79/2004 , YmVM 10/2004, EV 77/2004
This Act shall enter into force on 1 January 2006.
Before the entry into force of this Act, measures may be taken to implement the law.
THEY 98/2005 YmVM 16/2005, EV 177/2005
This Act shall enter into force on 1 September 2006.
Before the entry into force of this Act, measures may be taken to implement this law.
THEY 47/2006 , YmVM 4/2006, EV 65/2006
This Act shall enter into force at the time of the Council Regulation.
THEY 247/2010 , MmVM 34/2010, EV 353/2010
This Act shall enter into force on 1 January 2016.
In the case of appeals before the entry into force of this Act, the provisions in force at the time of entry into force of this Act shall apply.
THEY 230/2014 , LaVM 26/2014, EV 319/2014
