Key Benefits:
See the copyright notice Conditions of use .
In accordance with the decision of the Parliament:
Interest rates may be paid from State resources to the credit institution, the insurance company, the pension institution or the municipality ( Lender, ) Of the Law on Letting and Housing Housing (650/1990) , for the construction, acquisition and basic improvement of housing rights ( Interest rate subsidy ) As provided for in this Act.
Under this Act, no interest subsidy shall be payable if the borrower is paid for the same purpose under other law, or where the borrower has a loan granted for the same purpose by the State Housing Fund or other State resources.
Where the interest rate subsidy is subject to grants under the Law on the improvement of housing conditions for special groups (1281/2004) Within the meaning of Article 2 (1) of the Directive, the amount of the aid may also be paid for the part of the loan required for the purpose of carrying out the immediate residence or for the provision of services necessary for the provision of services. (30.12.2004)
For the purposes of this law:
(1) Residential building Premises immediately serving the house and related housing, provided that the sum of at least 75 % of the total area of the dwelling facility for housing and housing is equal to 75 % of the entire apartment sector, unless the authority authorising the loan is granted. For a specific reason, accept a lower share;
(2) Reform building The construction of one or more residential buildings and the purchase of land associated with it;
(3) Procurement The purchase of one or more dwellings or other dwellings for residential use in the existing building stock and the purchase of land associated with it;
(4) Basic improvement An increase in the original level of the apartment, of the dwelling building or of their yard or of other immediate surroundings, or of any other or other quality of the environment, or the return of non-annual remedial measures to a new or original level, or The modification or extension of existing premises, mainly in the form of housing or related facilities.
Interest rate loans may be authorised within the limits of the authorisation laid down in the State budget.
The State Council may lay down regional and other criteria for the authorisation of loans. The approval authority may, under the general conditions, be used for the semi-objects of the municipality.
Interest rate subsidies under this law shall be directed at different regions and local authorities in different municipalities.
Housing shall be accepted as an interest rate loan on the basis of social relevance and economic necessity. Where appropriate, the State Council shall lay down the criteria for approval of the interest rate loan.
A mortgage loan can only be accepted for a mortgage on which the contract has been awarded.
The dwellings to be supported shall be suitable in terms of habitation and maintenance costs and costs of construction, acquisition or renovation, and maintenance and accommodation costs. Renewed construction and improvement must be based on a competitive procedure, unless the State Housing Fund, for a specific reason, provides for a derogation.
The Law on Public Procurement (1505/1992) Shall, in addition, comply with that law and the acts adopted pursuant thereto.
A base improvement loan can only be accepted as an interest rate loan if a fitness assessment has been carried out and a long-term maintenance plan has been carried out.
The Ministry of the Environment has the right to issue regulations and guidelines on what is laid down in this article.
The loan may be accepted as an interest rate loan when the beneficiary is:
1) the municipality or any other public body;
Paragraph 2 is repealed by the L 13.8.2004/736 .
(3) an entity meeting the conditions referred to in Article 24 and designated by the State Housing Fund; or
(4) a limited liability company or a housing limited company in which one or some of the entities referred to in paragraphs 1 to 3 shall have direct accounting rules; (1336/1997) Section 5 of Chapter 1 The control referred to in point 1. (18.08.2006/717)
The interest rate charged by the borrower on the interest rate may not exceed the interest rate, which is generally applicable to the risk and to the corresponding loans.
The General Council Regulation may lay down more detailed provisions on the general terms and conditions of the subsidised loan.
The amount and time of payment of interest payments shall be governed by the Government Decree.
The State Treasury pays the interest rate subsidy to the lender or the entity entrusted with it. The State Treasury may give more detailed guidance on the application procedure for interest rate subsidies.
The State Housing Fund decides to approve the loan as an interest rate loan. The Housing Fund shall verify that the general conditions laid down in Article 4 exist.
The State Housing Fund may give more detailed guidance on the interest rate subsidy procedure.
The loan may be approved as an interest rate loan for rented dwellings when it is granted:
1) for the construction of a rented house ( Renting house interest rate subsidy );
2) for the purchase of a rented house ( The rental interest rate of the rental house );
(3) a housing stock company which is under construction or has been approved for the management of the residential apartment used as a rented dwelling for the purpose of controlling shares in dwellings; ( Rent-an interest rate subsidy );
(4) for the purchase of shares in a dwelling apartment for the purchase of shares in the housing stock company ( The rate of purchase of the rental interest rate ); or
5) for the renovation of the residential apartment used in the rental house or rental place ( The interest rate subsidy on the basic improvement of rental housing ).
Approval of the interest rate loan of the rental house and of the tenancy loan is conditional on:
(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.
(11.12.2002/1106)In the case of a rented house where at least 30 % of the dwellings are assigned to the rental of persons belonging to special categories according to the plan approved by the State Housing Fund, the grant of a loan in the form of an interest rate subsidy shall not apply: 2 The conditions laid down in the article. In such cases, only a loan of a municipal or municipal group or a loan which is granted to a limited liability company or a housing limited company in which the municipality or the municipal group has an immediate accounting law in accordance with Article 5 (1) of Chapter 1 of the Control referred to in paragraph 1. An interest rate loan may also be accepted as a loan for a loan under Article 5 of this Act, where the purpose of the activity is to improve the living conditions of persons belonging to the specific groups by providing them with housing. (18.08.2006/717)
The conditions laid down in paragraph 2 shall not apply in the case of contracts for the acquisition of a person belonging to a special group as an interest rate subsidy on a contract. (30.12.2004)
The interest rate of the subsidised housing shall not exceed 95 % of the eligible construction, acquisition or renovation costs of the subject. Reasonable costs for the purchase of land and the provision of municipal technical fitness may also be accepted for the cost of construction. The costs of a fitness assessment and a long-term maintenance plan may also be accepted for the basic improvement costs. (2 APRIL 2004)
The maximum rate of rent for temporary housing may also be the maximum guaranteed loan for the rental house, the rental office or the euro area per metre.
Details of the size of the loan component and of the maximum loan and the amount of eligible costs can be given by the Government Decree.
The dwelling that has been granted for the construction, acquisition or renovation of which has been granted shall be used as a rental.
Housing may also be used for housing in order to live without the law on the renting of dwellings (1994) , in the case of persons in need of special care and care.
A Finnish citizen can be chosen as a resident with a food condition. In this law, the Finnish citizen shall be treated as a person:
(1) whose right of residence is a foreign law (301/2004) , registered or issued with a residence card;
(2) which has been granted a residence permit for at least one year within the meaning of the Aliens Act;
3) which has been granted a residence permit on the basis of study.
(30/04/2013)Paragraph 4 has been repealed by L 18.8.2006/717 .
The aim of the choice of residence is to assign interest-rate rental apartments to the catering industry most in need, while at the same time aiming at a diversified population structure and a socially balanced residential area.
The choice of residents for interest-rate rental housing is based on social expediency and economic need. When choosing a resident, account shall be taken of the needs of the claimant's accommodation, assets and income ( Population selection criteria ).
In the area of housing, priority must be given to the homeless and others in need of emergency housing, the most deprived and low-income claimants.
In terms of the size of the housing needs, income and wealth, in terms of income and wealth, as a whole, the population of the municipality or local authorities, as a whole, may give priority to dwelling. Member of the region.
The decree of the Council of State may provide for more specific criteria for population selection and priority.
The choice of residence criteria may be waived for health or social reasons or for the purpose of promoting appropriate use of interest rate subsidies. Such an exemption shall be justified in the light of the objectives of the selection of the population, in terms of social status, the status of the applicant and the maintenance of the house. Derogation from the choice of residence criteria shall not significantly impede access to the apartment for applicants to be given priority in accordance with Article 11b (2). The decree of the Council of State may provide for a more detailed differentiation of the eligibility criteria for residents.
In an individual case, in the case of a residence permit, an exception may be made to the order of precedence provided for in Article 11b (2) if it is justified by the particular circumstances of the category of applicants, the rental housing situation of the locality, or the size of the tenant house or the residential area. Taking into account.
The municipality monitors compliance with the selection criteria for residents. The municipality shall have the right to require the information necessary for the exercise of the supervision to be provided.
The decree of the Ministry of the Environment provides for more detailed provisions on the selection of residents and the procedures to be followed for the monitoring of the population. The State Housing Fund includes the general guidance of municipalities and borrowers.
For special reasons, the municipality may authorise the use of dwellings for non-residential purposes in the case of a limited number of dwellings. The permit may be issued, irrespective of the residual apartment area of the building or building block. Before a change of purpose, the municipality shall notify the State Housing Fund, which may provide that the interest rate subsidy on a part of the dwelling referred to in the authorisation shall be suspended. Interest rate subsidies cannot be abolished if dwellings are changed to residents'joint holdings or other residents' living conditions.
A maximum amount of rent may be charged to the tenants in the apartment building, which is required, in addition to other income, to cover the financing and good real estate expenditure of rented dwellings and associated facilities. Such expenditure shall include, inter alia, expenditure arising from:
(1) for the purchase or construction of real estate and housing, including the indexation clause in the surrender allowance in accordance with Article 15 (2) (2), if it has been included in the amount paid to the entity belonging to the same group. The supply price;
(2) maintenance and maintenance of property and buildings and housing;
(3) basic improvements to the property or building and dwellings to meet the requirements of each date;
(4) preparing for the measures referred to in paragraphs 2 or 3;
(5) the interest payable to the capital referred to in Article 15 (2) (1); and
(6) the owner of any obligations under the law which are not attributable to the owner acting in contravention of this law or any other law.
(13.08.2004)The tenants of the dwelling shall not, in the rent of the dwelling in the apartment, collect the abbreviation of the interest rate loan or any other loan taken in its place further than that laid down by the Government Decree. If the Land Housing Housing Act financed by subsidised housing loans (192/2002) That the tenant of the holding of a participating dwelling buys additional shares in the shares eligible for the management of the dwelling, the rent shall be reduced by the amount corresponding to the interest rate on the interest rate at the rate of the increase, which would have remained in the majority The owner would be paid if the interest rate loan had not been shortened.
Owners of the same owner, of this law or of Aravalai (189/1993) The rent of rented houses and rented dwellings can be equated.
The Centre for the Housing and Development of Housing monitors the implementation of the principles of the rent ceiling. The Centre shall have the right to require the information necessary for the exercise of the supervision of the borrowers. The Centre shall also include the general guidance of the borrowers under this paragraph and in the cases referred to in paragraphs 1 to 3. (13/03/98)
A decree of the Council of State may give more precise provisions on the amount of interest payable by the owner to own funds. The Ministerial Decree of the Ministry of the Environment may provide for more detailed provisions on the rent analysis referred to in paragraphs 1 to 4, the levying and monitoring of rents. The State Housing Fund may issue instructions on the rental of the rent, the levying and monitoring of the rents.
The lease is otherwise provided by the law on the rental of the residential apartment.
The shares of the interest-rate rental agency or of such an apartment or the interest-subsidy agency or the interest-rate rental company's shares may be released:
(1) the municipality; or
2) For a transferee designated by the State Housing Fund, which could be granted interest rate subsidies for rented dwellings.
(12 JANUARY 2007)In addition, property can be sold by means of foreclosure, as in the case of bankruptcy (18/068) Or in the enforcement sector (37/1998) Shall be provided for or laid down in the pledge agreement.
The rest is void.
If the property referred to in paragraph 1 is transferred to the new owner due to the splitting of the common article or the loss of a legal person, the new owner shall immediately inform the municipality. In the circumstances referred to in this paragraph, the municipality has the right to redeem the property within 90 days of the transfer of ownership after receiving the information by paying the transfer price in accordance with Article 15.
The municipality shall inform the State Housing Fund of its recoveries pursuant to paragraph 1 (1) and of the supplies referred to in paragraph 4. (12 JANUARY 2007)
As provided for in this Article, it does not apply to the owner of the minority holding within the meaning of the Law on the transfer of shares in the housing estate to the owner or, if the dwelling There is no minority shareholder, even for a private person who fulfils the conditions laid down by the Council Regulation. (28.3.2002/233)
Where appropriate, the State Housing Fund may, before taking a decision as referred to in Article 14, consult the municipality or the municipality of the interest-rate rental agency which is directly or indirectly owned, directly or through a share ownership, or, if disclosed, The share of the subsidised housing company, the municipality of residence of the company that owns the house. The hearing shall be subject to the condition that the municipality, directly or indirectly, is not party to the transfer.
The State Housing Fund shall, after having made the decision referred to in Article 14, inform the municipality in which the house or dwelling is situated, or, in the case of the transfer of the company's seat, to the municipality in which the company has its seat.
In accordance with this Article, the maximum supply price of a share of an interest-rate rental agency or a shareholder of an interest payment agency or an interest-subsidy agency or a subsidised housing company is calculated in accordance with this section of the The Housing Fund confirms. (12 JANUARY 2007)
The calculation of the refund allowance shall take into account:
(1) the own funds invested by the owner of an interest-rate rental place or of a share entitled to manage it, or by the owner of an interest-rate hire house or an interest-rate tenancy company, which was necessary for the approved building, purchase or To finance the renovation costs in addition to the interest rate loan;
(2) the change in the construction cost index, calculated on the basis of the coefficients set by the statistical centre on a monthly basis, calculated on the basis of own funds;
(3) interest rate subsidy, in so far as it is left to the donor;
(4) a loan taken to finance basic improvements or other eligible expenditure in so far as it is left to the donor; and
5) an increase in own resources made available to finance basic improvements or other eligible expenditure.
The permissible supply price of a share or share eligible for the management of a housing company shall be calculated on the basis of the size of the shares in respect of the number of shares. (12 JANUARY 2007)
If the property is sold by public auction, the sale of the auction at the price of the sale shall not exceed the maximum amount of the sale.
A portion of the selling price above the permitted donation price shall be paid to the State Housing Fund. (12 JANUARY 2007)
If an interest rate subsidy is the subject of a rental house with holdings of subowns within the meaning of the Law on Land-owned housing financed by subsidised housing loans, the maximum permissible supply price of shares to be used for the management of dwellings Is, however, the redemption price or the purchase price referred to in that law. (28.3.2002/233)
Articles 14 and 15 shall apply to all legal acts which, in actual fact, are intended to be disclosed in the form of an interest-rate lease or an interest-rate lease, if the transferee knows or should be aware of the actual effect of the legal action. The purpose.
The restrictions on the use and transfer of the share of the interest-rate lease, or of the share of the interest payment agency or the interest-rate housing company, as well as the date on which they are terminated, shall be marked with a statement of the loan and The register of mortgages and stock certificates and the list of shares. In the context of the restriction on the purpose of the restriction of the subject to be redeemed in accordance with Article 18a, there shall be an indication of the redemption of the shares and the prohibition of the deposit.
The end of the 45 years after the end of the period of 45 years, the restrictions on the use of a share of an interest-rate lease or of an interest-subsidy agency or an interest-rate-hire house or an interest-rate-hire housing firm shall end. The acceptance of the loan as an interest rate loan. However, if the loan has been approved on or after 1 September 2004, the restrictions on use and disposal shall end after 40 years have elapsed since the loan was approved as an interest rate loan. However, if the rate of interest rate subsidy for the basic improvement in rental housing has been accepted as an interest rate loan on or after 1 January 2007, the restrictions on use and disposal shall end after 30 years from the date on which the loan was approved as an interest rate loan. (8.12.2006/1131)
The limits laid down in Article 13 concerning the determination of the rent shall cease to be repaid in accordance with the abbreviations provided for in the Council Regulation. If the interest rate subsidy is repaid prematurely, the limits on the determination of the rent shall cease when 30 years have elapsed since the loan was approved as an interest rate loan. (8.12.2006/1131)
If, however, the interest rate of the subsidised housing is the subject of a holding housing, the time limit for the use and transfer of shares financed by the subsidised housing loans, the time limit for use and disposal shall end, however, when the housing The shares are redeemed in accordance with the terms of that law and the equity contract. (28.3.2002/233)
Notwithstanding paragraph 1, where there is or has been a holding in the house in the form of subsidised housing loans, the dwelling shall be released without prejudice to paragraph 1, unless there is a cashier who casts an apartment In accordance with the law, and the majority shareholder shall inform the State Housing Fund. (28.3.2002/233)
The State Housing Fund may grant, on the application, subject to the conditions laid down in this Act, a partial or total exemption if it contributes to the functioning of the housing market in the area or prevents the under-utilisation of dwellings and the resulting Financial losses, or for other specific reasons. The condition is that the portion of the house or house exempted from the restrictions is repaid or the lender is exempted from the liability of the State in accordance with Article 28 of the State.
The State Housing Fund shall, upon application, grant an exemption from the restrictions relating to the interest rate loan in question under this Act, where the share of the lent dwelling or house is repaid or released by the lender. Under Article 28 of the State of the guarantee liability for their share, if:
(1) shall be subject to a limit of 45 years in accordance with Article 17 and at least 40 years after the granting of the loan in the form of an interest rate subsidy under Article 17;
(2) a grant under the law on the basis of a loan to improve the housing conditions for special groups has been awarded in accordance with the law on grants to improve housing conditions for special groups, the loan has been approved as an interest rate loan on or after 1 January 2007; At least 20 years after the approval of the interest rate loan, or
(3) the rate of interest rate aid for temporary housing, which is not linked to the grant referred to in paragraph 2, has been accepted as an interest rate loan on or after 1 January 2007 and has been approved for at least 10 years.
Upon application by the owner, the Centre for the Housing and Development of Housing may, upon application by the owner, accept the redemption of a mortgage on a housing stock subject on a housing or rental interest rate for the purpose of accepting the loan as an interest rate loan. For the purpose of redemption, it is not possible to accept a subject which has been awarded grants under the law or the law on cash dispensers to improve the housing conditions of special groups (1056/2001) The grant. No State resources shall be granted for the construction of a target to be redeemed.
Notwithstanding the provisions of Articles 14, 14a, 15 and 15a, the redeemable rental property referred to in Article 18a on the basis of a lease may be redeemed by the reigning tenant with the choice of the shares in the housing limited company At a time when the dwelling is subject to the restrictions on use and disposal under this law. The property redeemed is released from the restrictions on use and disposal under this Act. Redemption is possible after two years of completion.
The Housing Finance and Development Centre determines the redemption price of the shares to be redeemed. The redemption price consists of the basic price and its indexation, the value of any improvements and deductions and the owner's fee. The redemption price shall be at least so large that it covers the remaining share of the interest rate to be redeemed.
The basic price shall be the share of the approved construction costs of the house. The basic price shall be adjusted according to the change in the construction cost index on the basis of the monthly coefficients laid down by the Statistics Centre. Two per cent of the basic price is added to the price of the owner. The value of the basic improvements carried out on an apartment or house basis is added to the price, calculated on a reasonable value basis. The price shall be deducted from the cost of workout, with the exception of the value reduction resulting from natural wear, and the proportion of the liabilities owed to the shares to be redeemed.
The Housing and Development Centre may, upon application by the owner, reduce the amount of the redemption price, but shall not be lower than the amount of the interest rate subsidy equivalent to the shares.
The interest rate loan referred to in Article 18a of the housing company shall be shortened when the shares are redeemed as own, the amount corresponding to the shares redeemed to be redeemed. The lender shall draw up a new abbreviation plan in which the additional abbreviation has been taken into account in such a way that the original maturity is not abbreviated.
The Housing Limited Company shall not levy company remuneration for the costs and payments of interest subsidies referred to in Article 18a to a shareholder who has claimed the shares as its own. The company's articles of association shall be subject to a provision that the share of the shares redeemable in the company's interest rate subsidy may be paid to the company.
The decree of the Council of State may provide for more detailed rules on the redemption procedure.
The order of the company or of a company, or a shareholder or other person, in the articles of association of a limited company, or a shareholder or other person, is ineffective until the provisions of Article 14 have ceased to apply.
The loan may be approved as an interest rate loan of the housing court referred to in Article 1 of the Housing Law Housing Act when it is granted:
1) building a housing court settlement ( Interest rate at the construction of the housing court );
2) the purchase of a housing court ( The purchase interest rate of the housing court ) Or
3. On the fundamental improvement of the housing court ( Basic improvement of the housing court interest rate ).
The interest rate in the housing court shall not exceed 85 % of the eligible cost of building, acquisition or renovation. Reasonable costs for the purchase of land and the provision of municipal technical fitness may also be accepted for the cost of construction. The costs of a fitness assessment and a long-term maintenance plan may also be accepted for the basic improvement costs.
The basic improvement in the housing court may also include a housing court or a maximum loan per unit of residence, or a maximum guaranteed amount per metre.
The decree of the Council of State may provide for more detailed provisions on the level of the loan component and the maximum loan and the amount of eligible land costs.
The holders of the right of residence shall not be allowed, in return for use, to recover further reductions in the interest rate loan or any other loan taken in its place as provided for by the State Council Regulation. Otherwise, the amount of the allowance to be recovered from the holder of the right of residence is laid down in the Law on Housing Housing and the Law on Housing (104/1994) .
The restrictions on the use and disposal of the house borrowed by the housing court's interest rate loans and the restrictions on the ownership of the owner-owned company or the alteration of the entity's form of entity, as well as the labelling thereof, shall be provided for: The Act on Housing Housing.
The entity referred to in Article 5 (1) (3) and a company controlling the entity within the meaning of Article 5 (1) (1) of the Accounting Act, shall fulfil the following conditions and shall act accordingly: (18.08.2006/717)
(1) the Community's activity is to construct and purchase accommodation and rent housing and to rent them on social grounds, or to provide them with housing estates, with the aim of affording the good 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 Is laid down in more detail by a decree of the State Council;
(4) the entity shall release shares or shares which are eligible for the exercise of the restrictions on use and disposal referred to in Article 11, or shares only to a tenant living in the dwelling or to a community whose business includes: The provision of rented dwellings; housing, shares or units other than those mentioned above can only be made available if such housing units do not have a demand in the area or if there is another reason to sell some of them; (13.08.2004)
(5) the entity organises the ownership of dwellings in such a way as to enable the equalisation of the rents or remitments, and does not organise the structure of the Community in such a way as to ensure that liability is carried out in respect of rent or residence Are compromised;
(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 25 and shall not provide a guarantee for a Community obligation other than those referred to in Article 25 unless it is a loan which: The entity belonging to the same group shall take and invest in the acquisition or construction of the Community rental apartments referred to in Article 25;
Paragraph 7 has been repealed by L 13.8.2004/736 .
(8) Community shares or other equity are not the subject of public trading.
Notwithstanding the provisions of paragraph 1 (4), the shares eligible under the Law on Land-owned housing financed by the subsidised housing loans may be disclosed in the manner in which that The law provides for the provision of a shareholder agreement. (28.3.2002/233)
For the purposes of Article 24, the group shall consider, as a whole, the entity referred to in Article 5 (1) (3) and the same group as:
1. Other entities referred to in Article 5 (1) (3);
(2) entities which have the law on the use, transfer and redemption of aravarented dwellings and load-leased houses (1190/1993) Housing or shares which are subject to the restriction of use and transfer restrictions;
(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 eligible for their control;
(4) entities which have housing facilities within the meaning of the Act on Housing (247/1966) Article 21 (1) (8), Article 21 of the Araval Law or the Law on the interest rate subsidy on housing loans (1205/1993) Or shares authorised under Article 20 of this Act, provided that the dwellings or shares are subject to the restrictions on use and transfer under the Housing Law Housing Act; and (29.12.2005/12)
(5) entities with shares which are subject to the limitation period referred to in Article 17 or their management.
The State Housing Fund shall ensure that the entity referred to in Article 5 (1) (3) and Article 25 fulfils the conditions and acts in accordance with Article 24.
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 5 (1) (3) and Article 25 and 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 24.
The State Housing Fund may cancel the designation of the entity referred to in Article 5 (1) (3) if:
(1) the entity or the entity referred to in Article 25, belonging to the same group, no longer fulfils or acts contrary to the conditions referred to in Article 24;
(2) the entity or entity within the meaning of Article 25, belonging to the same group, has taken effective measures which are contrary to the content or the conditions set out in Article 24; or
3) the entity shall apply for the withdrawal of the designation.
The entity referred to in Article 5 (4), where the entity referred to in Article 5 (1) is controlled by the entity referred to in Article 5 (1) (1) of the accounting law, shall not flood its owner more than If the entity owns: (18.08.2006/717)
(1) the Code of (1190/1993) Housing or shares which are subject to the restriction of use and transfer restrictions;
(2) the law on the interest rate subsidy on rent loans Article 10 of the Treaty on European Union A 20-year limitation period of condos or shares eligible for their control;
(3) shares within the meaning of Article 17 of this Act; or
(4) Under Article 6 (1) (8) of the Housing Act, Article 21 (1) of the Law on Housing Act, Article 21 of the Law on Interest in AHousing Act or Article 20 of this Act, or of the dwellings which have been lent pursuant to Article 20 of this Act Controlling shares, provided that the dwellings or shares are subject to the restrictions on use and transfer under the Housing Act; and (29.12.2005/12)
Where the same group comprises several entities which have shares or shares eligible for the management of the dwellings referred to in paragraph 1 (1) to (4), the entities shall be treated as a single entity for the purpose of determining the amount of the return on income authorised.
The State shall be liable to the lender for the final loss of the principal and interest of the interest-rate loans arising from the insolvency of the debtor in so far as the amount of the funds accruing from the security of the loan is insufficient to cover the repayment of the loans outstanding And interest.
The responsibility of the State shall relate to the repayment of overdue and unpaid interest payments due within 45 years from the date of the withdrawal of the interest rate or the first instalment of the interest rate, and the interest on late payment until then; Until the lender receives a performance from its assets.
If, within the limit of the limitation period referred to in Article 17, the borrower is to replace the interest rate loan with a new loan approved by the State Housing Fund as an interest rate loan, the duration of the State's liability shall be calculated from the date of the withdrawal of the original loan or the first instalment.
The interest rate loan shall be other loans approved by the State Housing Fund with a better mortgage guarantee or other security approved by the State Housing Fund, unless the borrower is a municipality or a municipality of municipalities.
For the duration of the State's liability, the lender shall ensure that the interest rate loan and its collateral are provided in accordance with this Act and the provisions adopted pursuant to it and in accordance with a good bank guarantee. During the period of validity of the State responsibility, the lender shall also be required to inform the Treasury of late payment of the loan in accordance with its provisions.
The borrower shall be obliged to supervise the interests of the State and comply with the provisions of the Treasury issued by the Treasury when the assets secured by the interest rate loans are converted into cash in the event of a foreclosure or bankruptcy procedure. Any change to the Akordi or any other arrangement comparable to it, or the voluntary cash conversion of the assets in the interest rate loan, in a manner that is at risk, may only be carried out with the agreement of the Treasury.
State resources shall be made available by the State Treasury to the lender in accordance with Article 28 when the final loss is determined after the liquidation of the debtor and the guarantor and the sale of the assets secured by the guarantor. However, the sale of the guarantee is not required if the debtor acquits in the law of the undertaking (187/1993) Shall preserve the assets of the collateral in the process of restructuring.
If, after payment of the credit, the lender receives unearned abbreviations and interest, the lender shall transfer them to the State Treasury.
The State Treasury may recover the credits it has paid to the lender and recover the loan from the borrower on its annual interest in the interest of the borrower (633/1982) The interest rate referred to in paragraph 3. This must be recorded in the promissory note.
Compensation for losses may be waived or reduced in cases where the granting of an interest rate loan, its management or the management of the guarantee has not complied with the provisions and provisions adopted pursuant to this law or the provisions thereof. Bank guarantee.
The evolution of the rate of interest payable on interest payments and the rate of interest payable by the borrower may be determined by the Council Regulation to depend on a change in prices, wages, earnings or other cost developments.
§ 34 has been repealed by L 2.4.2004/236 .
The State Housing Fund may, on the basis of its application, authorise the release of a temporary agency or dwelling or a housing court under the conditions laid down by the application, provided that the State is exempted from the guarantee liability.
If the interest rate subsidy is repaid, the payment of the interest subsidy shall cease from the date of repayment of the loan. The payment of interest subsidies shall also cease if, in accordance with Article 18, the creditor is granted an exemption from the restrictions under Chapter 2. If, pursuant to Article 35, the rental house or dwelling or the housing court is demolished, the payment of the interest subsidy shall cease to the extent that the loan is directed at the house or apartment which is to be landed. Only if the new owner of the house is an entity within the meaning of Article 5, which takes the interest rate loan against the interest payment, can only be paid after the release of the subject.
If the beneficiary of the interest rate loan has used the loan funds for purposes other than that provided for by this law or, in contravention of the provisions of the Housing Housing Housing Act, or in the case of an interest rate loan, material misinformation Or concealed elements which are materially affecting the acceptance of the loan, the State Treasury may suspend the payment of interest subsidies. In the above cases, and when the ownership of an apartment or shares under the control period referred to in Article 11 shall be handed over for consideration to a owner other than the owner referred to in Article 5 or Article 18b, , or the house or dwelling house or residence of a housing court shall be terminated without authorisation before the time limit for the limitation period, may be imposed by the State Treasury in whole or in part by the Interest rate subsidy paid by the State for the loan. If the recipient of the subsidised loan has used the rental housing in contravention of the provisions of Article 11, or in breach of the provisions of Article 13, the payment of rent is not limited, the Housing and Development Centre may abolish the payment of interest subsidies, and Order all or part of the period of validity of the loan to the State Housing Fund which the State has paid for the loan. (27.11.2009/946)
On the basis of paragraph 1, the borrower shall repay the interest subsidy from the date of payment of the interest subsidy to the date of repayment until the date of repayment. Article 3 of the Corinth Act By the interest rate referred to in paragraph 2 plus three percentage points. If the refund or interest is not paid within the time limit, the amount due shall be paid at the annual rate of delay Article 4 of the Corinth Act The interest rate referred to in paragraph 3.
If the designation of the recipient entity referred to in Article 5 (1) (3) is withdrawn, Article 27 (d), Article 15d, Article 2d or Article 2 (d) of the Law on the interest rate subsidy on housing loans (1205/1993) Article 4d , the State Housing Fund may decide that the provision of interest-rate support for temporary or residential mortgage loans or housing loans within the meaning of Article 25, within the meaning of the same group, within the meaning of the same group, is abolished altogether, or In part six months after the withdrawal of the designation, unless the reason for the withdrawal of the designation is withdrawn during this period.
If the payment of the interest rate subsidy ceases pursuant to Article 36 or is terminated pursuant to Article 37, but the interest rate loan is not repaid, the guarantor shall pay the guarantee fee for the remaining capital of the loan by the State Council Regulation.
For special reasons, the State Housing Fund may decide, on the basis of the application, that the guarantee fee is not charged.
The guarantee fees will be entered in the State Housing Fund.
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 thereunder. The authorities shall, notwithstanding the provisions of confidentiality, have the right to have access to documents necessary for the enforcement of such controls. The recipient of the loan is required to submit the documents to the inspector for inspection.
The borrower shall ensure that the use of borrowed funds and the interest rate subsidy are in accordance with this law and the provisions adopted pursuant to it.
More detailed provisions on the implementation of this law shall be adopted, where appropriate, by a decree of the Government.
Applicants who are dissatisfied with the decision of the State 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 in the provisions adopted pursuant thereto shall: A correction within 14 days from the 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 on the adjustment to the decision taken under Article 8 of the State Housing Fund shall not be claimed by any appeal. Any other decision on the requirement of adjustment shall be subject to appeal in the form of a rule of administrative law (18/06/1996) Provides.
The decision on the choice or approval of a tenant shall not be challenged by any appeal.
This Act shall enter into force on 1 January 2002.
This Act repeals the Act of 19 December 1980 on the interest rate subsidy on rent loans and the Act of 17 December 1993 on the interest-rate subsidy on housing loans, with subsequent amendments.
Before the entry into force of this Act, measures may be taken to implement the law.
Decisions taken before the entry into force of this Act on the designation of the Community in accordance with Article 2 of the Law on the subsidy on interest rates on mortgage loans and Article 4 of the Law on the interest rate subsidy on housing loans are maintained. Articles 24 to 27 and 37 (3) of this Law also apply to these borrowers. Decisions taken by the State Housing Fund pursuant to Article 37 (3) may be subject to appeal as provided for in Article 41 of this Law. (2 APRIL 2004)
Decision of the Council of Ministers of 22 December 1999 on the interpretation of income from public housing communities (1999) Shall be subject to the income tax pursuant to Article 24 (3) of this Act until the entry into force of the Regulation adopted by the State Council under that provision.
In the case of the choice of residents in accordance with this law, the decision of the State Council on the criteria applicable to the granting of a holding of ownership, the interest rate subsidy and the criteria applicable to the choice of resident (185/1995) And the higher income limits provided for in Article 17 (2) until the entry into force of the Regulation adopted by the Council pursuant to Article 11.
Before the entry into force of this Act, loans approved in the form of interest rate loans in the housing or housing court shall be subject to the provisions in force at the time of entry into force of this Act.
THEY 181/2000 YmVM 3/2001, EV 55/2001This Act shall enter into force on 15 April 2002.
THEY 221/2001 YmVM 2/2002, EV 18/2002
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.
The provisions of Article 11 and Article 37 (1) of this Law, in so far as they relate to the use of an apartment, also apply to the Law on the subsidised loan (187/1980) Of a rented dwelling, which is subject to a 20-year limitation period.
Under Article 37 pending before the entry into force of this Act, matters relating to the use of the dwelling are referred to the State Housing Fund.
Before the entry into force of this Act, measures may be taken to implement the law.
THEY 232/2002 , YmVM 17/2002, EV 192/2002
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.
THEY 23/2003 , YmVM 1/2003, EV 19/2003
This Act shall enter into force on 1 February 2004.
THEY 143/2003 , YmVM 4/2003, EV 118/2003
This Act shall enter into force on 15 April 2004. It shall apply from 1 January 2004 and thereafter to loans approved in the form of interest rate subsidies for rented dwellings.
THEY 8/2004 YmVM 2/2004, EV 21/2004
This Act shall enter into force on 1 September 2004.
Article 27a of the Act shall apply to the income resulting from the financial years which have commenced after the entry into force of this Act.
An entity which pursues an activity in an insurance activity or a community belonging to the same group, which does not own any other interest-rate housing other than those which have been granted an interest rate subsidy before this The entry into force of the law, does not apply to the entities referred to in Article 25 and not included in Article 25.
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 2005.
Before the entry into force of this Act, measures may be taken to implement it.
THEY 170/2004 , YmVM 18/2004, EV 194/2004
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 136/2005 , YmVM 13/2005, EV 132/2005
This Act shall enter into force on 1 January 2006.
This law shall also apply to loans and equity securities referred to in Article 43 (5) and to equities and dwellings.
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.
This law also applies to the Law on the interest rate subsidy on rent loans (187/1980) Of a rented dwelling, which is subject to a 20-year limitation period.
THEY 47/2006 , YmVM 4/2006, EV 65/2006
This Act shall enter into force on 1 January 2007.
Before the law enters into force, measures may be taken to implement the law.
THEY 255/2006 , YmVM 5/2006, EV 189/2006
This Act shall enter into force on 1 April 2007.
Article 14 (1) (2) and Article 15 (1) and Article 14a of this Law shall apply to applications lodged after the entry into force of this Law.
Before the entry into force of this Act, measures may be taken to implement the law.
THEY 198/2006 , YmVM 7/2006, EV
This Act shall enter into force on 1 December 2009.
Before the entry into force of this Act, measures may be taken to implement the law.
THEY 89/2009 , YmVM 6/2009, EV 133/2009
This Act shall enter into force on 1 January 2014.
THEY 133/2013 , YmVM 5/2013, EV 121/2013
This Act shall enter into force on 1 January 2014.
THEY 139/2013 , HaVM 21/2013, EV 208/2013
