¹ Assistance with funding under s. 36, and advances under s. 37 of the Act constitute the basic lowering; the cash advances lost, in accordance with Art. 42 of the Act, further reductions.

² In the case of renovations of old buildings, assistance with funding, advances and cash advances may be granted separately or jointly. The rent should not be less than it was before the renovation. ¹

The beneficiaries of the aid are the owners of the rental properties or the persons entitled to do construction work.

¹ There is a change of assignment within the meaning of s. 46 of the Act when a dwelling is used for purposes other than housing or when it is used as a secondary residence.

² Tenants or persons living with them in a common household have the right to exceptionally use parts of the dwelling to carry on a professional activity, provided that the premises used for those purposes do not cover more than one Third of the net habitable surface.

¹ The Office may decide to exercise or assign the legal right of emption or pre-emption when the accommodation changes.

² The Office may, after hearing the cantonal authorities, waive the right of refusal if there are significant reasons for it.

¹ Under s. 45 of the law, the Office exercises, if possible with the assistance of the cantons, the monitoring of rents that have been reduced.

² The owner is required to communicate in writing to the lessee the rents approved by the Office in accordance with the financing plan.

³ In the event of an overrun of approved rents, or an assignment change, a three-month period is available to the landlord to reimburse tenants for overpayments. The Office will require, for the benefit of tenants, the reimbursement of these amounts, including interest calculated at the rates applicable to second-tier mortgages.

Tenants may have their rent or rent adjustments controlled by the Office. This control is carried out by way of simple and free procedure.

¹ Any transfer of ownership of a housing financed through federal assistance requires the approval of the Office. The latter shall give it if the new owner undertakes in writing to resume the contract of public law provided for by the law, and the debt relating to the advances accruing under the basic drawdown and to respect the rental plan and the plan of Funding. Mandatory approval and recovery of the debt may be mentioned in the Land Registry.

² A transfer of ownership is a change of ownership, due in particular to the purchase, the acquisition of the auction, the exchange, the donation, the estate division and the judicial allocation.

³ In the case of a judicial award, para. 1 shall apply mutatis mutandis.

⁴ For people who have their homes or their headquarters abroad, the funding must be guaranteed without the guarantee of Confederation.

¹ In the case of a forced realization of a building, the conditions of the auctioning must include a clause stating that the purchaser will compulsorily resume the rights and obligations under the law, and that he must, immediately after The award, declare in writing to the authority that it takes over the contract of public law provided for by law.

² In duly substantiated cases, the Office may, within the 30-day period, refuse to give the approval referred to in Art. 18 and order the prosecuting authority to proceed to a new auction.

³ In the case of sale of a willing seller in the context of a forced realization, the s. 1 and 2 shall apply mutatis mutandis.

Banks, surety cooperatives, public authorities or other third parties may take charge of loans and advances to lower initial rents. The further reduction may also be requested in these cases.

¹ In the case of renovations of old buildings, the waiver of federal assistance may occur at the end of a ten-year period.

² Waiver is granted when the owner has vacated the bond and has repaid any advances, including interest.

The Office may, in the case of fixing rents after renovation, declare applicable s. 14 of the order of May 9, 1990, on the rental lease and the on-farm lease of residential and commercial premises ² , and the criteria of s. 269 A , let. B, d, e and f, of the code of obligations ³ When it comes to making adjustments to subsequent rent.

Federal aid shall not be granted if the cost of renovation does not exceed 50 000 francs per dwelling. At least half of the costs must correspond to improvements leading to added value.

The construction credits required for the duration of the work are also considered to be loans within the meaning of s. 36 of the Act.

¹ The rent plan and the financing plan shall be established for twenty-five years in such a way that, during this period, all the expenses of the owner may be covered, the advances repaid, interest included, and 30 per cent to the most Amortized investment costs.

² The initial lower rent shall be fixed in such a way that the conditions laid down in para. 1 may, as a general rule, be completed in twenty-five years, taking into account an annual increase in rents.

³ The increases in the rent plan and financing plan may be adapted to market conditions by the Office. ¹

⁴ Where circumstances warrant, the rental plan and the financing plan may be extended as a general rule of five years. Thereafter, the advances and interests still owed are assumed by the owner or, if necessary, by the Confederation. This will be done by taking into account the specific market conditions and the particular circumstances of the owner. ²

^4bis The Confederation may, before the expiry of the 30-year period, remit any or all of the advances and interest owed in the following cases:

A.

If, due to market conditions, the recipient of federal assistance is clearly not in a position to meet its financial obligations within 30 years and, overall, a discount is financially beneficial to the Confederation. In this respect, the following must be taken into account:

1.

Rents collected in relation to the rent plan,

2.

The remaining time for the debt under the basic drawdown,

3.

The number of vacant dwellings in the municipality where the accommodation is located,

4.

The need for renovation,

5.

Comparative rents,

6.

Potential remittances from funding partners as part of remediation agreements;

B.

As part of a forced realization, provided that other stakeholders take action to reduce losses. ³

⁵ The benefits of the cantons, municipalities and other third parties can contribute to further lowering without reducing federal aid. ⁴

If market conditions require it or if there are serious rental difficulties, rents may be temporarily reduced with the approval of the Office. In duly motivated cases, the rent reductions can be offset by additional advances.

¹ Losses of rent which extend over a period not exceeding six months shall, as a general rule, be borne by the owners.

² If there is evidence that accommodation remains vacant without the fault of the owner, the Confederation may cover the loss of rent by advances from the seventh month. These advances shall bear interest at the same rate as the advances made in respect of the base reduction and shall be repaid no later than the maturity of the rental plan and the financing plan. In determining the amount and duration of the advances, account shall be taken of the particular situation of the lessor. ¹

¹ The interest of the borrowed capital shall not exceed the usual market rates.

² Interest on own-invested capital may be the same as first-tier mortgages. ¹

¹ The rent plan and the financing plan will reserve a certain percentage of the investment costs to cover maintenance and administration costs.

² To the extent that they are not used to supply the renovation fund or the voluntary reserves, the means for maintenance must be used for additional depreciation. ¹

¹ The incidental expenses will be counted separately to the tenants, depending on the expenses incurred. These are all costs associated with the use of the leased building, including public contributions.

² In particular are considered incidental expenses, in addition to those mentioned in s. 38 of the Act, fees for:

A.

Cleaning up the stairs;

B.

The connection of radio and television;

C.

Bonding cooperatives' premiums;

As well as operating expenses for:

D.

Heating and hot water;

E.

Common facilities;

F.

Elevators.

³ With the authorisation of the Office, a lump sum may be taken into account for certain headings; ancillary fees may be recovered each month in advance.

The owner can rent to any one of the housing units whose rent benefits from a basic lowering.

¹ The amount of money lost annually rises to 0.6 per cent of the investment costs for further drawdown I and 1.2 per cent for further reduction II.

² As a general rule, additional drawdown I was granted for the first fifteen years of federal assistance. The duration of the grant of additional drawdown I may be extended for a further six years. ¹

³ As a general rule, additional drawdown II is granted over the 25-year period of federal assistance. ²

⁴ The annual increase of up to 0.6 % of the cost of return may be made for eleven years for further drawdown I and for 25 years for further drawdown II if the canton or the commune makes a payment to the fund Lost at least equal or provides an equivalent contribution. ³

⁵ In place of the canton or the municipality, other public law communities, foundations and public utility organisations may make contributions to the funds lost or provide contributions. ⁴

¹ Additional drawdown I is granted to single persons, families and housing communities that do not fall under para. 2.

² Additional drawdown II is granted to seniors, invalids, persons requiring care, health care staff, and persons undergoing training.

¹ Additional drawdown I shall be paid for dwellings with a maximum of two pieces more than the number of occupants.

² Additional drawdown II shall be paid for accommodation with a maximum of one room more than the number of occupants. Households with a minor child may occupy a dwelling which includes a maximum of two rooms more than the number of occupants.

³ The accommodation of three rooms or less is not subject to the occupancy requirements.

¹ Additional reductions are granted for homes occupied by persons whose total taxable income in accordance with the Federal Direct Tax Act of December 14, 1990 ² Does not exceed 50,000 francs. ³

² The threshold amount is based on a tax certificate issued by the recipient of the further reduction. If the income has changed significantly since the last taxation, the beneficiary must provide proof of this.

³ For each minor child or who is trained and who is in charge of the family or a single person, the limit shall be raised by 2500 francs. ⁴

^3bis For tenants under lease, the income limit is increased by 10 %. ⁵

^3ter The taxable income of persons undergoing training in the household is not taken into account until the age of 25. ⁶

⁴ DEFR can periodically adjust the income limit and supplement per child according to the housing market, mortgage interest rates, the rent cost index or the construction cost index. The Office can adapt the bases of calculation according to the amendments of the Federal Law on Direct Federal Tax. ⁷

⁵ Where the taxable income in respect of direct federal tax exceeds the limit set out in para. 1, 3, and 3 ^Bis , further reductions may be granted on the basis of cantonal or communal income requirements if the canton or the municipality provides a comparable contribution. ⁸

¹ Additional reductions shall be granted for dwellings occupied by persons whose total capital after deduction of debts whose existence is proven does not exceed 144,000 francs. ²

² For each minor child or who is undergoing training and who is dependent on the family or a single person, the limit is raised by 16,900 francs. ³

^2bis For tenants under lease, the capital limit is increased by 10 %. ⁴

³ If the wealth of elderly, disabled or persons requiring care exceeds the wealth limit, 1/10 ^E The surplus is considered to be income. ⁵

⁴ DEFR adjusts the wealth limit and the supplement per child in the same proportion as the income limit.

⁵ Where capital exceeds the limit set by paras. 1, 2, and 2 ^Bis , further reductions may be granted on the basis of cantonal or communal requirements on capital if the canton or the municipality provides a comparable contribution. ⁶

¹ Those who are entitled to an old-age pension under the Federal Act of 20 December 1946 on old-age and survivors' insurance are deemed to be elderly persons ¹ .

² Persons under the Disability Insurance Act of June 19, 1959, are deemed to be disabled. ² , of the Federal Act of 13 June 1911 on Insurance in the Case of Illness and Accidents ³ , or the Federal Act of 20 September 1949 on military insurance ⁴ Are entitled to a disability pension of at least 50 %.

³ Deemed persons who require the care of those who are in constant need of third party assistance and must have specially furnished accommodation.

⁴ Deemed personal care is provided to persons who have a common household with the elderly person, who is disabled or to be treated, or who is living in a home made available by that person, for the purpose of providing regular home care.

⁵ Deemed persons receiving training who demonstrate that they are learning, attend a professional development school, an upper middle school, a high school or university, and the costs of training Cannot be assumed either by themselves or by their parents.

⁶ Any other person whose maintenance is provided by the family or the person alone shall be assimilated to children, other than the spouse. ⁵

¹ After each new taxation of direct federal taxation, recipients of further reductions shall ensure that the Contribution Administration notifies the competent authority of the canton of their new income and Fortune. ²

² The Office shall monitor, with the assistance of the cantons and the municipalities, whether it is justified to grant an additional reduction. ... ³ . ⁴

¹ The further reduction is, as a general rule, paid from the date of entry into the dwelling, but not earlier than the beginning of the semester during which it was requested.

² The first payment of the further reduction shall, as a general rule, be retroactive over a period of up to two years from the date of the presentation of the construction countdown.

¹ The additional lowering is deleted as long as:

A.

The beneficiary, except for important reasons, has not fulfilled his obligation to notify the canton of his conditions of income and of capital;

B.

A dwelling is used by persons who do not meet the personal or financial conditions. ¹

² The basic lowering remains when the further lowering is deleted.

Housing communities of at least three persons with elderly, disabled or requiring care, health care staff or persons undergoing training receive the additional lowering if average income and average wealth Residents do not exceed the limits set by s. 28, para. 1, 3, and 3 ^Bis , and 29, para. 1, 2, and 2 ^Bis .

Financial assistance, advances and payments may be requested, within the limits of the following provisions, separately or jointly.

¹ Assistance is provided for the construction of a dwelling, or for the acquisition of a dwelling under construction or already constructed.

² In a case of thoroughness, federal assistance may also be granted or completed when the owner is threatened with loss of housing.

¹ The loan guarantee may consist of direct assistance to the purchaser or indirect assistance to the owner of the work.

² The indirect aid must be terminated if the accommodation passes to a recipient who does not apply for federal assistance. Indirect assistance must be replaced by direct assistance if the accommodation is taken over by a recipient who is seeking federal assistance.

¹ Direct federal aid is granted only to major Swiss citizens, to major nationals of one of the Member States of the European Union or to major foreigners holding an establishment licence. ²

² Direct federal assistance is also granted to foreigners with a residence permit whose country of origin grants similar rights to Swiss residents. The evidence must be provided by the applicant.

Disposal or use for other purposes than the home must be authorized provided that the owner has vacated the bond or has repaid the guaranteed loan by bond and any advance of the Confederation, interest Included. Remittances from the Confederation must be repaid only to the extent that the selling price, net of taxes, transfer fees and advances due to the Confederation, exceeds the original purchase price or the costs Increase in the capital gain of the capital according to Art. 67.

¹ In particular, there are important reasons within the meaning of s. 49, para. 2, of the law, when a dwelling is rented to relatives ascending or descending, to brothers and sisters, when it remains temporarily unused or to acquire housing in preparation for old age.

² Rental may also be allowed if the owner can no longer live in the dwelling because of changes in his financial, professional or personal circumstances, or if a sale is not possible without a loss Considerable. ¹

The Office may authorize the conversion of rental units into residential units, if the owner agrees.

As this Chapter does not object, the provisions on the lowering of rents shall apply mutatis mutandis.

Owner's expenses, excluding the interest of own capital, must be in a reasonable relationship with income.

As a general rule, capital must not exceed 50 per cent of the investment costs, after deducting debts that have been proven to exist. To determine capital, the principles of art will be applied. 29, para. 2 to 4.

The Confederation may provide all or part of the outstanding advances and interests. The provisions of Art. 21, para. 4 ^Bis , apply by analogy.

Art. 27 to 33 are applicable.

Persons whose training has not been completed cannot obtain the additional drawdown II for the purpose of acquiring a home or a family home.

¹ The construction projects must take into account the requirements of spatial planning, the protection of nature, the landscape and the environment, as well as the economic and rational use of energy. ² They must guarantee a measured use of the soil.

² Assistance is granted for:

A.

Economic construction, cost-effective, good quality and high level of habitability;

B.

Construction projects that promote new forms of habitat and urbanization.

In the case of large groups, it may be necessary for a number of housing units to be reserved for seniors, invalids, large families, or persons with modest incomes.

¹ The cantonal and communal requirements on the construction police shall be complied with, provided that this order does not submit the construction of housing to more stringent requirements and that the requirements for rationalisation The construction has not been enacted.

² Constructs must meet the requirements of civil protection.

³ The instructions of the Federal Council of October 15, 1975 ¹ Concerning measures to be taken in favour of the disabled in the field of construction.

The DEFR lays down requirements on the minimum requirements for the net living area and the number and size of rooms, taking into account the importance of the household, as well as the equipment of the kitchen, bathroom and Washrooms.

¹ Small units of up to three rooms are deemed to be homes for the elderly. Small housing needs to be built to meet the needs of the elderly. The DEFR lays down requirements for minimum requirements and recommendations. ¹

² The dwellings of any size that meet the special needs of the disabled are deemed to be invalid dwellings.

¹ All housing must be sufficiently insulated against noise and other nuisances; the slabs and separation walls between the units, in particular, as well as the sanitary facilities, shall be constructed in such a way as to avoid The potential for noise to flow from one dwelling to another.

² The DEFR lays down requirements for minimum noise and thermal insulation values.

³ Federal aid may be refused for the construction of housing which would be exposed to excessive pollution, caused in particular by noise and exhaust gas from motor vehicles.

¹ The cost of the building for federal assistance consists of the cost of the preparatory work, the building, the external accommodation and the equipment, as well as the ancillary costs.

² The DEFR sets the upper eligible cost limits, taking into account the special requirements for elderly and disabled accommodation, as well as property and home-owned homes.

³ Where justified by special circumstances, the cost limit may be lowered or raised by the Office in special cases and by the DEFR for whole regions. This applies in particular to urban agglomerations if the costs are reasonable given all the circumstances and if they allow, after normal calculation of the charges, to fix the rents or the purchase prices which are bearable.

¹ Confederation assistance is granted only if the construction costs remain within the allowable limits.

² In determining whether construction costs are eligible, account must be taken, in addition to construction, of the value of habitability, including the space available, the interior equipment, the design of the building and the situation of the Housing.

³ The Office establishes guidelines for assessing the value of habitability.

¹ The cost of the land consists of the main costs and acquisition costs, the expenses resulting from compensation, planning and pre-construction financing, as well as the cost of the general equipment, including Contributions of equipment to communities.

² A balanced report must exist between the cost of the land and the cost of construction. To determine whether this cost remains within allowable limits, consideration must be given to the venal value, the degree of equipment, the nature of the soil, the potential harm, and the potential for use.

³ In order to determine whether the amount of the right of land is equitable, it is appropriate to apply para. 2 by analogy. In addition, consideration must be given to the duration of the area right, the compensation of the surface area related to the return to the owner (return allowance) and the compensation of the surface area right (the right of land). ¹

⁴ The return compensation and the right of land may be adapted to certain economic data. For the rent of the area right, these data are, in particular, the evolution of the interest rates applied to the old mortgages; for the value of land, it is the Swiss index of consumer prices as well as construction costs and Investment costs creating added value. ²

⁵ If it has been agreed to index the rent of the area right, the annual adjustment cannot, as a general rule, exceed half the increase in the Swiss consumer price index. ³