The Law Of Rent-Mortgages And Loans To Support The Right Of Residence To A House

Original Language Title: Laki vuokra-asuntolainojen ja asumisoikeustalolainojen korkotuesta

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In accordance with the decision of the Parliament, provides for: the scope of application of the provisions of section 1 of Chapter 1 of the State Public funds can be used to pay the interest rate subsidy, credit institution, insurance company, or to the granting of loans by the (lainanmyöntäjä), rental properties and the law on the right to housing (650/1990) referred to in article 1, the right to occupy the houses of new construction, acquisition and perusparantamista for (interest in the form of a loan), as this is required by law.
Under this Act shall not be paid an interest rate subsidy, if the borrower shall be paid for the same purpose under the law, or if the interest rate on the support for the rest of the time is for the same purpose the loan granted to the State Housing Fund, or other State resources.
If the interest rate support grants, is the subject of specific categories of lending to Housing Act (1281/2004) intended for the rental apartment or rental house, with an interest rate subsidy may be paid to the implementation of part of the loan that is needed for an item, that is immediately necessary for the production of a residential building housing support and services. (made/1282) (30.12.2004/1282) the definitions in this law the following definitions shall apply: 1) asuinrakennuksella and related living serving the housing and premises, if the immediate living area of at least 75% of the total farms is the size of the apartment, subject to the interest rate of the loan assistance authority for a special reason and accept a smaller share of;
2 uudisrakentamisella the construction of one or more of the residential building) and the fact that is associated with the acquisition of land;
It occurs when one or more of the 3) on residential or other residential use to obtain the position of the future status of the existing and any related land acquisition;
4) perusparantamisella an apartment, an apartment building or a garden, or the rest of the immediate environment to increase the quality level of the equipment, or other return of other than it was a year of the initial level of repair measures the level of uudenveroiseen or the original or modification of existing facilities or the expansion of the main living quarters or other related purposes.

section 3 of the interest rate subsidy on loans interest rate on the support for the delegation of approval of loans can be approved in the State budget within the limits set out in the approval of a mandate.
The Council of State may establish loans approval authority to regional and other criteria. The approval authority may be subject to the conditions of the general use of puoltamiin.
In accordance with this law, the interest rate subsidy shall be directed to the different regions and in different municipalities in the apartment, as needed.

section 4 of the General conditions for the approval of the loan at the interest rate on the support for mortgage interest subsidy on loan is approved for social and economic need-to-know basis. The Council of State to provide, if necessary, more precisely the criteria for approval of the interest rate subsidy on loan.
The interest subsidy on loan may be approved only on a mortgage loan, for which the contract is awarded.
Appropriate housing must be supported by the asuttavuudeltaan and asuinympäristöltään as well as uudisrakentamis, operating in the contracting or perusparannuskustannuksiltaan and maintenance and the housing affordable. New construction and perusparantamisen shall be based on the competition procedure, unless the State Housing Fund, for a special reason, grant of the exemption.
The law on public procurement (1505/1992) which the contracting entity is in addition to be in conformity with the law and the acts adopted thereunder.
Perusparannuslaina can be accepted the interest subsidy on loan only if the lainoitettavasta is done and the long term kunnossapitosuunnitelma.
The Ministry of the environment has the right to make regulations and guidance on the provisions of this section is provided.

section 5 of the loan recipients of the Loan can be approved to borrow, the interest rate subsidy, when its recipient is: 1) or any other public entity;
2 paragraph repealed by L:lla 13 August 2004/736.
3) community, which satisfies the conditions laid down in article 24, and that the State Housing Fund has designated this under; or 4) a limited liability company, or a company, use one or more of the entities referred to in paragraph 1 to 3 is imminent with the accounting Act (1336/1997), Chapter 1, section 5, subsection 1 of the control within the meaning of paragraph 1. (on 18 August 2006/717) of section 6 of the General Lainanmyöntäjän interest rate loan support loan interest shall not be more than the amount of the interest rate, which at any given time shall apply to the treatment and conditions similar loans.
The provisions of the regulation of the Council of State may be given in the general terms and conditions of the loan interest for more detailed support.

the interest rate on the amount of the aid, paragraph 7, of the interest rate subsidies provided for by regulation of the Council of State and of the time of payment.
State Treasury to pay for the subsidy or to his authorised lainanmyöntäjälle to the community. State Office can provide more detailed guidance on the interest rate support for the application process.

section 8 of the interest subsidy of loan approval authority approving the loan, the interest rate of the State Housing Fund decides on the support loan. The housing, it shall be checked that the General conditions laid down in article 4 are there.
The State Housing Fund can provide more detailed guidance on the interest rate of a loan.
Chapter 2 the rental mortgage interest subsidy, section 9 of the rental housing loans, the loan can be approved to borrow, the interest rate on a rental housing aid when it is granted to: 1) for rent house new construction (House rental rate in the form of a loan);
2. for the purchase of the House) rent (rental house acquisition rate in the form of a loan);
3) used for the management of temporary residence for the shares in the course of construction on residential or vastavalmistuneesta korkotukilainoituskelpoiseksi from an approved housing company (rental apartment in the interest rate of a loan);
4) rental residence management to be used for the purchase of shares on residential from the existing housing stock, the company House (rent-buying interest in the form of a loan); or rent a house or rent-5) residence for the wish, on residential (housing perusparannuskorkotukilaina).
The rent of the House and rental apartment purchase loan, the interest subsidy on loan in order to be accepted: 1) that rent a house or apartment is less expensive than a comparable House or apartment building; and 2) that the construction of housing in the area is not justified, taking into account the long-term housing needs, unless the fact is that the lainansaajana is not owned by the company or.
(11 December 2002/1106) The acquisition of the rental house, at least 30% of the flats will be allocated in accordance with the plan approved by the State Housing Fund for the specific groups of persons to rent living quarters for the acquisition of the interest subsidy on loan approval, loan is not subject to the conditions laid down in paragraph 2. In this case, the interest subsidy on loan can be accepted only in the municipality or a loan, or a loan that is granted to a limited liability company or limited company, with housing-community or Corporation has an immediate, of the accounting Act, Chapter 1, section 5, subsection 1 of the control within the meaning of paragraph 1. The interest subsidy on loan can be approved under the law of any of the laws referred to in section 5 of the borrower's loan, when the purpose of the operation is to improve the living conditions of specific groups of people by providing them with housing. (on 18 August 2006/717)
A person who belongs to the realm of the acquisition of rental housing and the use of the interest subsidy on loan approval of the acquisition of the loan is not subject to the conditions laid down in paragraph 2. (30.12.2004/1282) section 10 of the amount of the loan, the interest rate subsidy for rental homes rental properties in the amount of the loan, the interest rate subsidy shall not exceed 95% of the target of approved construction, acquisition or perusparannuskustannuksista. About how to obtain the construction cost may also be accepted of land and utilities kuntoonpanosta costs. Perusparannuskustannuksiin can also accept the drawing up of a long term fitness and kunnossapitosuunnitelman costs. (2 April 2004/236)
Rental housing perusparannuskorkotukilaina can also be a rental houses, rental apartments or the maximum period provided for by the value asuinneliömetriä per.
More detailed provisions, as well as enhance the contribution and the amount of the cost of the acceptable plot enimmäislainan can be given to the State by means of a Council regulation.

section 11 (31 January 2003/84) Asuinkäyttö and the inhabitants (30.12.2013/12) in the acquisition or construction of housing, which, perusparantamista for the interest rate of a loan has been granted, it is to be used for temporary residence.
Residential apartments may be used also without housing on Residential lettings (481/1995) the lease, when it comes to special care and the care of those who need it.
Now you can choose a citizen of Finland ruokakuntineen. In this Act, the Finnish citizen shall be treated as a person: 1) to the right of residence which is a of the Aliens Act (301/2004) in the manner provided for in Chapter 10 of registered or who has been granted a residence card;
2 the law on aliens) that has been granted for at least one year with a residence permit;
3) which has been granted a residence permit on the basis of the study.
(30.12.2013/12) 4 is repealed by L:lla on 18 August 2006/717.

section 11 (a) (18 August 2006/717) objectives the objective of the selection in the selection of Resident Population is that the interest subsidy for rental-apartments for rent-apartments in the most need of food allocated to municipalities and, at the same time, the aim of a balanced population structure of the fabulous and socially of Gracia.

section 11 (b) (18 August 2006/717) Population and the selection criteria and the selection in order to set the interest rate on the support for the inhabitants of the rental housing based on social expediency and economic need. Now the choice is to take into account the housing needs of the applicant ruokakunnan, wealth and income (the resident selection criteria).

Resident selection, priority must be given to the homeless and others in need of the most deprived and kiireellisimmässä housing for the lowest income, the applicant ruokakunnat.
The municipality or municipalities shall at all times be effectively controlled the selection of subsidised rental housing tenant may be necessary, in terms of income and wealth of the dwelling, taken as a whole, in the same position between the location of the apartment of a member of the priority.
Government regulation is necessary in order to provide more detail on the reasons for the selection of priority setting and the order of the population.

section 11 (c) (18 August 2006/717) Resident selection criteria and the order of priority, any deviation from the Resident selection criteria may be waived in the interest-rate subsidy for health or social reasons, or rental properties in order to promote the appropriate use of. Conformance shall be a resident of the selection, taking into account the objectives pursued in the social area, the maintenance of the housing of the drive or the House. A resident of the reasons for the selection of such derogations shall not substantially interfere with the first subparagraph of article 11 (b), in accordance with the priority which should be imposed on the applicants. Government regulation is necessary in order to provide for a derogation from the population in more detail the reasons for the selection.
The resident is allowed in the selection of individual case derogate from article 11 (b) of the order of priority laid down in paragraph 2, if it is justified by the particular circumstances of the applicant, in the city of ruokakunnan apartment for rent or lease a house or residential area, and the situation in view of the structure of inhabitants.

section 11 (d) (18 August 2006/717) resident of the selection to the control of the compliance with the criteria for the selection of the inhabitants of the Municipality oversees. The community has the right to demand the information required to conduct the supervision period.
The Ministry of the environment regulation is necessary in order to provide more detailed provisions on the selection and supervision of the procedures to be followed for the selection of the inhabitants of the population. State Housing Fund belongs to the municipalities and of the overall control.

section 12 (9/1020) change in use may, for a special reason, grant permission to use the apartment for anything other than asuintarkoitukseen, the authorisation shall be limited to the housing. The authorization shall be granted to the building or the housing of the remaining apartments. The purpose of the authorisation prior to the change, inform the State Housing Fund, which may provide that the authorization referred to in the corresponding part of the interest rate on the loans on homes in the interest-rate subsidy. The interest rate, the support may not be close, if the living quarters of the inhabitants of the other residents of the farms emerged, or is amended as follows: the housing conditions for the healing.

section 13: (31 January 2003/84) the Rent shall be charged to the asuinhuoneistosta performance of rent does not exceed the quantity that you need, along with other income rental properties as well as the related financial holdings and real estate accounting expenditure. Such costs include, inter alia, expenditure on the purchase of real estate and housing: 1) or construction, including section 15, subsection 2, in accordance with paragraph 2, the transfer of expenses included in index review, if it is included in the price paid for the same group of the community other than the assignment price;
2. for the maintenance of the property and buildings, and housing) and its management;
3) perusparannuksista, with real estate and construction, as well as the apartments may be the usual requirements to meet each time;
4) in response to the measures referred to in paragraphs 2 or 3;
5) 15, subsection 2, interest on own capital referred to in paragraph 1; as well as, under the law of obligations to the owner of the 6), which are not due to the fact that the owner would be in breach of this law or any other law.
(13 August 2004/736) Performance not on residential rooms charge the interest rate of the loan or its place the rest of the loan principal, any more than government regulation. If the interest rate on the loan financed rental housing support fractional ownership homes (232/2002) by the tenant of the dwelling purchase additional shares of fractional ownership referred to in home management in respect of the shares, the amount of the rent shall be reduced to the corresponding to the equal to the share of the interest rate on the loan portion of the interest rate subsidy, which would not have a majority stake in the owner of the interest-rate subsidy to be paid, unless the loan would be reduced.
Owned by the same owner, this Act or the arava (1189/1993) under the leveraged buyout rental houses and rental properties in rent can be aligned.
The housing finance and Development Centre will monitor the implementation of the principles relating to the maximum amount of rent. The Centre shall have the right to demand the information required to conduct the supervision period. The Agency is also of the overall control in this subsection, as well as in the matters referred to in paragraph 1 to 3. (13.12.2013/91)
The provisions of the regulation of the Council of State to something of the magnitude of the amount of own funds of the owner's interest. The Ministry of the environment regulation is necessary in order to provide for more detailed rules about how to rent referred to in subsections 1 to 4, the Republic and the control of rents. The State Housing Fund may provide guidance about how to rent, rentals in the Republic.
The rent otherwise subject to what the Act on Residential lettings.

section 14 of the assignment of the interest subsidy for rental accommodation or in the management of such shares or interest subsidy eligible for the apartment rental house or the interest subsidy for rental house the company's shares may be supplied: 1); or to the body designated by the State Housing Fund 2) the transferee of, which could be allocated to rental properties in the interest rate of a loan.
(12 January 2007/21) In addition, the property can be sold by way of execution as the bankruptcy rule (31/1868) or execution (37/1895) or pantatusta stock pledge agreement.
Other assignment shall be null and void.
If the property referred to in subparagraph (1) will the object due to the termination of the legal person or the new owner, the new owner shall, without delay, be notified of their acquisition. In one of the situations referred to in this paragraph shall have the right to redeem the property within 90 days of the transfer of ownership upon receipt of the information by paying the price of the transfer in accordance with article 15.
The first sentence of paragraph 1 shall be in accordance with saannoistaan and it came to the attention of the supplies referred to in paragraph 4, the State Housing Fund. (12 January 2007/21)
The provisions of this section shall not apply to homeowners in the management of shares the interest subsidy on loan from the donation rental housing financed by the fractional ownership homes in the minority owner, or referred to in the Act, if the homeowners do not have a minority stake in the management of the owner of the shares entitling shareholders, the Government, in fact, the person who satisfies the conditions laid down in the regulation. (on 28 March 2002/233) under section 14 (a) (12 January 2007/21) for consultation and the obligation to luovutuksensaajasta the State Housing Fund may, if necessary, before taking decisions as provided for in article 14, to hear, directly or through ownership of the alcohol awarded to them, endowed the interest subsidy for rental accommodation, or the location of the interest rate subsidy for rental house for rent in or, if the interest rate on the company's share of the aid will be handed over the House, the seat of the company that owns the House. The hearing is subject to the condition that the municipality does not, directly or indirectly, not the party.
State Housing Fund is after making the decision referred to in article 14, shall inform the Committee, which surrendered the House or apartment is located, or if the interest rate on the company's share of the aid will be handed over, to the House, where the company's registered office is situated.

Article 15 of the disposal price of the interest subsidy for rental of an apartment or a home, or an interest subsidy for rental of a share in the management of the House or the interest subsidy for rental housing stock highest permissible supply price is calculated in accordance with this article on the extradition, the State Housing Fund to strengthen. (12 January 2007/21)
Disposal of compensation, account shall be taken of: 1) the interest subsidy for rental accommodation or its shareholders or the management of an interest subsidy for rental of a house or the interest subsidy for rental house the company's own resources, provided by the shareholder who has taken an apartment or real estate acquisition or approved for construction, to finance the interest rate subsidies, in addition to the loan, perusparannuskustannusten;
According to the construction cost index 2) change in the statistics on a monthly basis the index calculated on the basis of the coefficients established by the amendment to its own resources;
3) interest in the form of a loan to the extent that it will be borne by the donor;
4 in order to finance the depreciation periods or other eligible expenditure) taken from the loan to the extent that it will be borne by the donor; the increase of own resources, as well as 5) that was to finance eligible expenditure depreciation periods or other.
Rent a house or an apartment in the management of the company's share on the supply of a right to a share price is calculated according to the maximum of the number of shares in relation to the transfer price. (12 January 2007/21)
If the property is sold by public auction, get it, on whose behalf the auction will take place, the sale of not more than the maximum allowed donation.
The maximum sales price of the transfer price is paid to the State Housing Fund. (12 January 2007/21)
If the interest rate is subject to lending support to the rental house, which is the interest rate on the loan financed rental housing support fractional ownership homes in the Act referred to in the fractional ownership homes, housing management, the supply of shares maximum price, however, is that the law for the purchase price or the supply-and the buy-back price. (on 28 March 2002/233) (20 January 2004/30), the application of the restrictions on the supply of articles 14 and 15 shall apply to all legal measures, the actual purpose of the interest subsidy for rental property or interest rate support for the rent of the House, if the transferee knows or should know of the actual purpose of the legal action.

section 16 (27 November 2009/946) Restriction entry


The interest subsidy for rental accommodation or in the management of such a share or interest giving rise to the aid of an apartment rental in the House or the use of the company's share of the interest subsidy for rental house and limitations as well as their date of expiry shall be recorded in the register of land ownership and mortgages, as well as share documents and stock list. 18 (a) in accordance with article omaksilunastettavan of the item limit must be ban on omaksilunastettavuudesta and the reference to the pledge of the shares.

section 17 of the Access restriction and time (8 December 2006/1131) the interest subsidy for rental accommodation or in the management of such a share or interest giving rise to the aid of an apartment rental house rental or interest rate support for the release of the company's shareholders, as well as interest rate subsidies of house rental-restrictions on the use of the dwelling shall end when the 45 years have passed since the adoption of the loan interest subsidy on loan. If the loan is approved on or after 1 September 2004, however, the end of use and transfer restrictions, when 40 years have passed since the adoption of the loan interest subsidy on loan. If the rental housing perusparannuskorkotukilaina is approved for the interest subsidy on loan on 1 January 2007 or after, however, the use and disposal of limitations shall automatically terminate when the 30 years have passed since the adoption of the loan interest subsidy on loan. (8 December 2006/1131)
The rent applicable under section 13 of the restrictions will cease to exist after the loan paid back to the State in accordance with the terms of payment set out in the Council regulation. If the interest rate of a loan repayment of rent restrictions will cease to exist, the determination after the 30 years have passed since the adoption of the loan interest subsidy on loan. (8 December 2006/1131)
If the interest rate on the support for rental housing loan interest subsidy for rental properties, is the subject of the loan financed by the fractional ownership homes in the Act for fractional ownership of housing, and the use of restriction period ends, however, when homeowners eligible for shares to be redeemed of the law and the management of fractional ownership, in accordance with the conditions set out in the agreement. (on 28 March 2002/233)
If the House is, or has been, the interest rate on the loan financed rental housing support fractional ownership homes in the Act referred to in the fractional ownership homes, the apartment is released from the restrictions under paragraph 1, without prejudice, unless it be found to recognize their need for housing in accordance with the said law, which claims, and a majority stake in the owner shall notify the State Housing Fund. (on 28 March 2002/233) (8.12.2006/1131) liberalisation of the Restrictions the State Housing Fund may, on application, grant the exemption, in whole or in part, shall, under the conditions and to any restrictions in conformity with this law, if it contributes to the functioning of the housing market in the region, or the prevents under-utilisation as well as the resulting financial losses of homes, or for some other special reason. Is subject to the condition that the restrictions to be released to an apartment or House share in the interest-rate subsidy on the loan will be paid back or lainanmyöntäjä in accordance with section 28 of the free State, their share of the liability of the guarantee.
The application by the State Housing Fund in accordance with this law shall be exempted from the restrictions related to the interest rate subsidy, and I quote, when lainoitetun an apartment or House share in the interest-rate subsidy on the loan will be paid back, or lainanmyöntäjä free State in accordance with section 28 of their share of the liability of the guarantee if: 1) rental housing subsidy loan funded to apply to section 17 of the 45 years of the constraint of time and in accordance with the approval of the loan interest subsidy on loan for a period of 40 years;
2) rental housing perusparannuskorkotukilainalla funded grants have been awarded to specific categories of the housing allowance in accordance with the law on the loan is accepted the interest subsidy on loan on 1 January 2007, or after approval of the interest subsidy on loan and for a period of 20 years; or 3) rental housing perusparannuskorkotukilaina, which is not related to the aid referred to in paragraph 2 has been accepted the interest subsidy on loan on 1 January 2007, or after approval of the interest subsidy on loan and for a period of 10 years.

Article 18 (a) (27 November 2009/946) Omaksilunastettava apartment for rent in the housing finance and development centre may, on application by the owner to accept the rental house or apartment for rent subsidy loan lainoitettavan mortgage-osakeyhtiömuotoisen item in the omaksilunastettavaksi when approving the loan, the interest subsidy on loan. Omaksilunastettavaksi not be able to accept the item, which has been awarded grants by special interest groups in order to improve the law on housing or money machine allowance law (1056/2001). Omaksilunastettavan for the construction of the item will not be granted through State resources.

Article 18 (b) (27 November 2009/946) Omaksilunastaminen notwithstanding the provisions of articles 14, 14A, 15 and 15 (a) of the omaksilunastettavaa referred to in article 18 (a) rental apartments to rent on the basis of the agreement, the dominant tenant may redeem the apartment management to justify housing at the time of the shares of the company at any time during the period when the apartment is in the use of this law, subject to the restrictions and under. In accordance with the laws of the Omaksilunastettu the use of this housing is released and restrictions. Redemption is possible when two years have passed since the completion of the House.

Article 18 (c) (27 November 2009/946) Omaksilunastushinta the housing finance and development centre of the redemption price of the shares in the omaksilunastettavien. The purchase price consists of the basic price and the value of any improvements to the index of the amendment, and the owner of the fee reduction as well as. The redemption price shall be at least large enough to cover the interest rate on the corresponding share of the remaining non redeemable shares in support of the loan.
The base price is non redeemable shares, the proportion of the cost of approved construction of the House. The basic price shall be adjusted according to the change of the construction cost index of statistics on a monthly basis on the basis of the coefficients laid down by. The owner of the fee will be added to the price of 2% of the basic price. Also will be added to the price of the apartment or the value of the fair value of the depreciation periods for a reasonable talokohtaisesti. Price will be reduced by the value of the discount on the kuntoonsaattamiskustannukset with the exception of the natural wear and tear arising from, as well as the possible lunastettaville of the shares to cover the company's debts.
The housing finance and development centre may, on application by the owner of the drop corresponding to the purchase price of the shares, the interest rate of a loan does not, however, the amount of the contribution.

section 18 (d) (27 November 2009/946) in the context of reducing the interest rate on the loan omaksilunastamisen housing the company's interest rate referred to in article 18 (a) loans shall be reduced, when shares are redeemed as shares in the share of the corresponding loan amount, omaksilunastettavia. Lainanmyöntäjän on a new repayment plan must be drawn up, with a further payment has been taken into account in such a way that the original loan term not.
The housing stock, the company may not charge the company for consideration in section 18 (a) of the rate referred to in article 10(a) of the aid to the costs and to amortize a loan from, who has redeemed the shares of their elders. The housing company is to take control over the fact that the interest rate on the support for the loan of the shares of the company's share of the omaksilunastettavien can be used to pay for the company.

18 (e) of section (on 27 November 2009, 946) for more detailed provisions in the regulation of the Council of State can be adjusted more precisely omaksilunastamisesta omaksilunastamismenettelystä.

Article 19 of the statutes or the inefficiency of the housing stock in the company's articles of Association, a shareholder of the company or any other person the right of redemption of the option or is ineffective, until the provisions of section 14, governing the supply of n have ceased to be valid.
Chapter 3 right of residence hall Housing aid under section 20 of the interest on loans to the courthouse of the interest on loans in the form of a loan can be approved with a right to housing provided for in article 1 of the law on the right of residence of the House of the interest subsidy on loan, when it shall be granted in respect of: 1) with a right to the House new construction (with a right to the interest rate on the construction of the House in the form of a loan);
the acquisition of the right of residence to House 2) (the right of residence to a house purchase interest rate of a loan) or 3) the right of residence to a House Reno there (with a right to the House of perusparannuskorkotukilaina).

the amount of the loan, the interest rate on the support for the article 21 of the right of residence to a House loan of up to 85% of the target of approved construction, acquisition or perusparannuskustannuksista. About how to obtain the construction cost may also be accepted of land and utilities kuntoonpanosta costs. Perusparannuskustannuksiin can also accept the drawing up of a long term fitness and kunnossapitosuunnitelman costs.
The right of residence to a House perusparannuskorkotukilaina may also have a right to occupy an apartment, or a house or asuinneliömetriä per the prescribed maximum period of the euro.
The provisions of the regulation of the Council of State to enhance the share of eligible costs as well as the size of the plot and enimmäislainan.

the use of section 22 of the determination of the consideration for the holders of the right of residence must not use vastikkeissa to charge the interest rate of the loan or its place the rest of the loan principal, any more than government regulation. Otherwise, the holder of the right of residence, the sum payable for the use of the determination of the consideration provided for in the law on the right to housing and the right to housing associations Act (1072/1994).

section 23 with a right to the interest subsidy the House loan interest subsidy relating to the limitations of the right of residence to a House loan lainoitetun the use and disposal of the House as well as the right of residence of the owner of the shares of the company that owns the House or Community restrictions on changing the scope of the text as well as the ones on the marking provided for in the Act on the right of residence homes.
Chapter 4


Geared to the needs of The article 5 of the general interest section 24, subsection 1, as well as a company of the Community referred to in paragraph 3, where the community is, of the accounting Act, Chapter 1, section 5, subsection 1 of the control referred to in paragraph 1, shall be subject to the following conditions and to act in accordance with them: (18 August 2006/717) 1) the community is a joint venture formed by and buy a rental and right-of-occupancy housing and rent them on social grounds or deliver them to the right-of-occupancy housing intended for use with the residents of the good and safe housing at a reasonable cost;
2), the Community shall indicate to the homes publicly advertised;
3), the community is not the owner of the community recognize the rightful owner of more than a reasonable return on assets, which is something of a calculated is at least two percentage points higher than the State's five-year bond loan interest rates and calculated on the basis of the Council of State regulation and the amount of down in more detail;
4) community to dispose of article 11 and the limitations of the use of the frequency or the management shares, or shares only in the apartment to the tenant or living in the community, whose business includes the provision of rental housing; other than the above may be flats, units or shares of released only if the type of rental apartments there is no demand in the region, or if there are other weighty reasons to sell some of them; (13 August 2004/736) 5), the Community shall make arrangements for the ownership of housing in such a way that it is possible to use the valuation of rentals or alignment, and organize the structure of the community in such a way that responsibility for the financial difficulties that have been released for rental or occupancy of the houses will be threatened;
6), the community does not take other risks relating to the activities referred to in paragraph 1, does not give a loan to a party other than the community as referred to in article 25, and give no guarantee other than the members of the entity referred to in article 25 obligation to not only, in the case of a loan made by the same group, the community is to take and place in the community as referred to in article 25 for the purchase or construction of housing for rent;
7 paragraph repealed by L:lla 13 August 2004/736.
8) the shares are not publicly traded.
Notwithstanding the provisions of paragraph 1 of subsection (4), the interest rate on the loan financed rental housing support fractional ownership homes in the law on the management of housing eligible for shares of fractional ownership may be released, as the law and the terms of the agreement, provides for the purchase. (on 28 March 2002/233) for the purposes of section 24, article 25 of the general interest group: the conditions referred to in the group are treated as one entity under section 5 of the Community referred to in paragraph 3, with which it forms a group: 1) to the other, under section 5 of the communities referred to in paragraph 3;
2) communities, with arava rental housing and arava rental houses, donation and omaksilunastamisesta (1190/1993) and subject to the restrictions of use under homes or their management shares;
3) communities, with the support of the interest on loans for rental housing (867/1980) referred to in article 10, a 20-year period subject to restricted use of apartments or their management shares;
4) communities, who have the right of residence provided for in the Act on dwellings housing law (247/1966) under section 6 (8), article 21 of the law of the home or the right to occupy the House for the support of the interest on loans of the law (12/1993), section 3, of this law in accordance with article 20 of the lainoitettuja apartments or their management shares, provided that the right-of-occupancy housing flats or shares are under the law on the use and disposal of restricted; as well as (brought on 29 December 2005/12) 5) communities, who have restricted use referred to in article 17, the time subject to the apartments or their management shares.

section 26 of the public utility of the control of the State Housing Fund will ensure that under section 5, paragraph 3, and paragraph 25 of the community in accordance with the conditions of article 24, fills in and act accordingly.
State Housing Fund and the Fund by any person shall have the right to obtain the information it deems necessary for the purposes of supervision under section 5, paragraph 3, and the bodies or entities referred to in article 25, as well as their auditors.
The designated entity shall in advance notify the State Housing Fund facts, which could have an impact on the fulfilment of the conditions laid down in article 24.

Article 27 of the revocation of the State Housing Fund may be withdrawn under section 5 of the designation of the community as referred to in paragraph 3, if: 1) of the community or its in the same group as the entity referred to in section 25, belonging to no longer meets the conditions referred to in article 24, or works for them;
2) of the community or to the same group, in the meaning of article 25 of the Convention, in the measures, the community has undertaken with a view to conflict, as defined in article 24 of the yleishyödyllisyydelle content, or with the conditions laid down; or 3) the revision of the designation of the community is seeking.

section 27A (13 August 2004/736) and the rest of the public body to recognize revenue, section 5, as referred to in paragraph 4 of article 5 of the community, which, as referred to in paragraph 1, the Community shall have the accounting Act, Chapter 1, section 5, subsection 1 of the control referred to in paragraph 1, shall not be recognized for its owner, any more than article 24, paragraph 3, according to a ranking based on the return, if the entity is owned by: (18 August 2006/717) 1) arava restriction law (1190/1993) and subject to the restrictions of use under homes or their management shares;
2) apartment for rent in support of the law on the interest on loans (867/1980) referred to in article 10, a 20-year period subject to restricted use of apartments or their management shares;
section 17 of this Act 3) in apartments or their management shares; or 4) the law on the right to housing housing production referred to in the first subparagraph of article 6 (8), article 21 of the law of the home or the right to occupy the House for the support of the law on the interest on loans under section 3 of this Act, or pursuant to article 20 of the lainoitettuja apartments or their management shares, provided that the right-of-occupancy housing flats or shares are under the law on the use and disposal of restricted; as well as (brought on 29 December 2005/12) If the same group consists of a number of communities, which is under 1, referred to in paragraphs 1 to 4 apartments or their management shares the determination of the maximum will be treated as one entity, entities to recognize for the return.
Chapter 5 of the regulation and article 28 of the State's responsibility to guarantee the State of the State is lainanmyöntäjälle responsible for the loan principal and interest on the final loss, resulting from the insolvency of the debtor, to the extent that the loan guarantees are accrued on the loan funds are not sufficient to cover the outstanding principal and interest.

the duration of the liability of the State for article 29 of the State responsibility for past due, outstanding principal and interest payments that are due for payment within one year of the loan operations involving interest-rate subsidies or 45 in its first installment of the increase in the interest in these assets and accumulate until lainanmyöntäjä gets the run of the claims.
If the borrower having 17, within the time limit referred to in article in place of the new loan, the interest rate on the loan by the State Housing Fund will accept the interest subsidy on loan, State responsibility for the duration of the original loan or the increase in the first batch.

section 30 (2 April 2004/236), the interest rate on the loan guarantee support for the loan must be approved by the State Housing Fund to other types of loans, the better the security of attachment or other covering claims attaching to the State Housing Fund, approved by the surety if the lainansaajana not the municipality or Federation of municipalities.

the obligations of State responsibility under section 31 of the Lainanmyöntäjän is that lainanmyöntäjä will take care of the interest of the loan and its guarantees of support this law and in accordance with the provisions adopted pursuant to it and the good Bank. Lainanmyöntäjä is also the responsibility of the State during the period of validity of the obligation to notify the borrower late payments to the Treasury, in accordance with the provisions laid down by it.
Lainanmyöntäjä is required to monitor the interests of the State and to comply with the provisions issued by the State Treasury, while the interest rate on the loan secured by the property to be disposed of at auction or in a bankruptcy proceeding. Composition or the arrangement of the interest rate subsidy to be compared with the other as collateral for a loan to be a voluntary liquidation of assets by means of the risk to the recovery of the loan only with the consent of the State Treasury.

32 section payment of State Treasury to run State resources in the amount of the compensation provided for in article 28 of the lainanmyöntäjälle ago, when the final loss of the debtor and the guarantor, and of the establishment and the amounts secured by way of the insolvency of the property after the sale. The sale of the collateral is not required, if the debtor receives the company's reorganization Act (47/1993), the amounts secured by way of the reorganisation proceedings referred to maintain the property.
If lainanmyöntäjä receives compensation for its period after payment of the amount uncollected interest, principal and left lainanmyöntäjän have to settle them in the Treasury.
State Treasury can recover its rebates back to lainanmyöntäjälle paid in the period, as well as charge in return for compensation for the period of the annual interest rate on its interest rate Act (633/1982), according to the interest rate referred to in paragraph 3. This must be labeled on the promissory note.

Credit losses may be omitted or the amount of credit is reduced if the granting of the loan, the interest rate on the support for the management of the management or security has not been complied with, the provisions of this law or of the provisions of, or adopted pursuant to, and a good Bank.
Chapter 6 miscellaneous provisions article 33 the use of loan repayments for the index and the amount of interest on the amounts to be paid by the borrower to the Government the development of a regulation can be adjusted subject to prices, wages, earnings and other costs for the development of a descriptive index of the change.

34 section (2 April 2004/236), section 34 is repealed L:lla 2 April 2004/236.

section 35 of the interest subsidy the House or an apartment in the dismantling of the State Housing Fund may, for a special reason, grant the application subject to the restrictions of the authorisation to extract shall, under the conditions of rent a house or apartment, or the right to occupy the House, provided that the liability of the State shall be exempt from the guarantee.

section 36 Rate support termination if the interest rate of a loan will be paid back, interest payment will stop the loan unless otherwise specified. The payment of the interest rate subsidy shall cease if the borrower shall be granted in accordance with article 18, the exemption from the restrictions in accordance with Chapter 2. If you rent a house or apartment, or the right to occupy the House wound up in accordance with article 35, the interest payment will cease in so far as the loan is purettavaan into the House or apartment. The interest rate on lending after release of the item, the aid may be granted only if the new owner of the House is the entity referred to in section 5, that take interest rate support for the loan guarantees.

the abolition of the interest rate subsidy, section 37 if the loan recipient has used the loans for any purpose other than the purpose under this law or a flat in the other hand, the right of residence, the provisions of the Act on interest subsidy for housing loan approval, or when applying for a loan given to the adoption of a fundamentally incorrect information or concealed material facts, the Office may suspend the execution of the interest rate subsidy. In the cases referred to above, and when the use referred to in article 11 of the limitation of the time to the management of the apartment or the transfer of ownership of shares for a consideration other than the owner referred to in section 5, or omaksilunastajalle referred to in article 18 (b), or rent a house or apartment, or the right to occupy the House wound up without permission before the restricted use of the passage of time, can State Office required from the borrower in whole or in part to carry out the State Housing Fund, the interest rate on the loan, the State aid is paid. If the recipient of the loan is used for rental apartments in violation of the provisions of article 11, or rent the configuration has been contrary to the provisions of article 13, and the failure is not limited, the housing finance and development centre can close an interest subsidy and obliges the borrower in whole or in part to carry out the State Housing Fund, the interest rate on the loan, the State aid is paid. (27 November 2009/946)
The borrower shall be carried out on the basis of the interest payable under a support interest subsidies in question back to the batch until the date of payment of the interest on the repayment under section 3 of the interest act referred to in subsection 2, according to the interest rate plus three percentage points. If a refund or interest is not paid within the time limit, the number of annual wire transfer for your outstanding interest on arrears shall be the interest rate provided for in article 4 of the interest rate referred to in the database.
If, under section 5 of the lainansaajayhteisön referred to in paragraph 3, the designation is cancelled, section 27 of the Act, section 15 (d) of the arava, the rental mortgage interest subsidy, section 2 of the law (d) or the right of residence of the House for the support of the interest on loans of the law (12/1993) in accordance with article 4 d of the State Housing Fund may decide that, in the community or in the same group as the entity, as referred to in article 25 of the community of rental-housing loans or loans to support the right of residence to a House were eliminated in whole or in part, six months after the withdrawal of the designation of the reason for the revocation of the designation, subject to exit at this time.

Article 38 Guarantees the payment if the interest payment of the aid shall cease under section 36 or 37 of the code to be abolished, but the interest rate on the loans will be paid back, the borrower shall pay the State fee for the guarantee of the Government, by regulation provide for the loan of the remaining capital.
The State Housing Fund may, for a special reason, shall, under the conditions of the application that the guarantee fee will be levied.
The premiums is recognised as income in the State Housing Fund.

39 section (regulation/721) and the Ministry of the Environment, control of the State Housing Fund, the Office of the State and the Community shall have the right to control and monitor the compliance with the provisions adopted on the basis of the law and it. Notwithstanding the provisions on secrecy, the authorities have the right to access the documents necessary for the purposes of supervision. The borrower is obliged on demand to submit documents to the Inspector by the audit.
Lainanmyöntäjän shall ensure that the use of the funds, and the loan interest rate support are adopted on the basis of the provisions of this law and in accordance with it.

the provisions of section 40 of this Act, the implementation of the detailed rules shall be adopted, where the need for more government regulation.

Article 41 an appeal by an applicant who is dissatisfied with the State Housing Fund, the Government of the State Treasury, or, or by the Board of the decision taken by the public authorities, the holder of this law or provisions adopted pursuant thereto, the following shall apply to the adjustment referred to in the decision, within 14 days of the date of notification of the decision. Adjustments must be made to the issuing authority and the municipal government or the decision of the Board of Directors of the authority, the holder or the Board. The decision, which shall apply for the adjustment, the adjustment shall be attached to the claim. Your appeal must be dealt with as soon as possible.
The requirement of a decision concerning the adjustment of the State Housing Fund, pursuant to article 8 of the decision, is not allowed to apply for appealing to the change. The requirement on the adjustment of the rest of the decision may be appealed to the administrative law (586/1996).
The adoption of the decision on the choice of the tenant or not may be appealing for a change.

date of entry into force of article 42 this law shall enter into force on 1 January 2002.
This Act repeals the law of 19 December 1980, rental apartment in interest on loans, and the law of 17 December 1993 on the right of residence to house loans, interest subsidy, as amended.

Article 43 transitional provisions prior to the entry into force of this law may be to take the measures needed to implement the law.
Before the entry into force of this law the decisions taken on the designation of the community rental housing loans interest rate support for the article 2 of the law and the right to occupy the House for the support of the interest on loans in accordance with section 4 of the Act will remain in force. This law, sections 24 to 27 of the 37 section also apply to these lainansaajiin. Decisions taken by the State Housing Fund will, under the third paragraph of article 37, may be appealed as provided for in article 41 of this law. (2 April 2004/236)
This adjustment shall entail the services of general interest, housing communities, returns of 22 December 1999 on the decision of the Council of State (12/1999), article 24 of this law shall be applied in the recognition, in accordance with paragraph 3 of the Council of State, until the return of this provision by the regulation enters into force.
The selection of the inhabitants of this title shall apply in accordance with the law of rental homes in the granting of the loan, the interest rate on a home loan in the adoption, as well as the ownership of the aid now given to the Council of State decision on the criteria for selection (11/1995) and those laid down in article 17 of the upper income limits, until the State Council in accordance with article 11 of the regulation shall enter into force.
Before the entry into force of this law the right of residence to rent a flat or House for the interest subsidy on loan at the date of entry into force of this law shall apply to the approved loans.
THEY YmVM 181/2000, 3/2001, 55/2001 acts EV entry into force and application in time: on 28 March 2002/233: this law shall enter into force on 15 April 2002.
THEY 221/2001, YmVM 2/18/2002, 11 December 2002, the EV/1106: this law shall enter into force on 1 January 2003.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY are 233/2002, YmVM 16/2002 of 31 January 2003/153/2002, EV 84: this law shall enter into force on 1 March 2003.
Article 11 of this law and the provisions of paragraph 1 of article 37, in so far as they concern the use of the dwelling, shall also apply to the rental mortgage interest subsidy (867/1980) under the lainoitettuun rented accommodation, which is 20-year limitation period.
At the time of entry into force of this law, the State branch of the pending under section 37, the use of the apartment is transferred to the State Housing Fund.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY'RE 17/232/2002, YmVM 2002, EV at issue/130/2002, 192: this law shall enter into force on 1 March 2003.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY'RE 100/20/2002, YmVM 2002, regulation 227/2002/721 EV: this law shall enter into force on 1 September 2003.
THEY'RE up to and including 23/2003, YmVM 1/19/2003 of 20 January 2003, EV/30: this law shall enter into force on 1 February 2004.
THEY YmVM 143/2003, 4/2003, EV 118/2003 2 April 2004/236: this law shall enter into force on 15 April 2004. It shall apply from 1 January 2004, and since then, rental properties in the interest subsidy loans approved loans.
THEY YmVM 2/8/2004, 2004, EV 21/2004 13 August 2004/736: this law shall enter into force on 1 September 2004.

27 (a) of the Act shall apply for tuloutettavaan return, since the entry into force of this Act which have begun.
An insurance business in the community, or with the same group in the community, which does not own any other subsidised rental homes to construction, acquisition or Reno there has been interest in the form of a loan before the entry into force of this law, shall not apply to article 24 and article 25, to be counted as belonging to the communities.
Before the entry into force of the law can be used to take the necessary steps for its implementation.
THEY'RE 79/2004, YmVM 10/2004, EV 77/2004 made/1282: this law shall enter into force on 1 January 2005.
Before the entry into force of this law may be to take the measures needed to implement it.
THEY YmVM 18/170/2004, (EC) No 194/2004: December 9, 2004, EV/1020: this law shall enter into force on 1 January 2006.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY 136/2005, YmVM 13/2005, EV 132/2005 brought on 29 December 2005/12: this law shall enter into force on 1 January 2006.
This law shall apply also to those referred to in article 43 (5) of loans and lainoitettuihin houses and apartments, as well as their management in respect of the shares.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY YmVM 98/05, 16/2005, EV 177/2005 on 18 August 2006/717: this law shall enter into force on 1 September 2006.
Before the entry into force of this law may be to take the measures needed to implement this law.
This law shall also apply to the rental mortgage interest subsidy (867/1980) under the lainoitettuun rented accommodation, which is 20-year limitation period.
THEY YmVM 47/2006 4/2006 of 8 December 2006/65/2006, 1131 EV: this law shall enter into force on 1 January 2007.
Before the entry into force of the law can be used to take the measures needed to implement the law.
THEY YmVM 5/255/2006, 2006, 2006 12 January 2007/189/EV 21: this law shall enter into force on 1 April 2007.
This law under section 14 (2) and section 15 (1) of the competition act as well as article 14 (a) of this law shall apply to the proceedings after the entry into force of implementing applications.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY YmVM 198/06, 7/2006, 27 November 2009 219/2006/946 EV: this law shall enter into force on 1 December 2009.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY YmVM 89/2009 6/2009 2009-133, 13.12.2013, EV/991: this law shall enter into force on 1 January 2014.
THEY YmVM 133/13, 5/2013, EV 30.12.2013/121/13 12: this law shall enter into force on 1 January 2014.
THEY'RE 139/21/2013, 2013, HaVM EV 208/2013

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