ARCHIVESHISTORIQUES
DELACOMMISSION
COLLECTION RELIEEDES
DOCUMENTS "COM"
COM(76)96
Vol.1976/0035

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COMMISSION OFTHEEUROPEAN COMMUNITIES
COM(76)96 final .
Brussels .18March 1976 »
REPORT TOTHE COUNCIL ONTHE UTILIZATION OPSUMS AVAILABLE
FOR GRANTING BUILDING LOANS TOOFFICIALS OFTHE EUROPEAN
COMMUNITIES OVER THEPERIOD 1."AUGUST 1974 "TO31JULY 1975
COM(76)96 final . 1

REPORTTOTEECOUNCILONTHEUTILIZATION OPSUMSAVAILABLE
FORGRANTINGBUILDING LOANSTOOFFICIALS OFTHEEUROPEAN
COMMUNITIES OVERTHEPERIOD1AUGUST1974TO31JULY1975
FREAMBLE
On15January1975"theCommissionforwardedtotheCouncilaReporton
theutilization ofsumsavailableforgrantingbuildingloansto
officialsoftheEuropeanCommunities overtheperiod1August1973"to
31July1974.
TheReportalsocontainedproposalsforincreasingthefundsavailable
forthispurpose. ''
Thepresentreport,whichfollowschronologically fromthepreviousone,
coverstheperiod1August1974"to31July1975andisdividedinto
fourparts:
I.WorkoftheLoansCommittee :
: InII.Utilizationoffundsduringthefinancialyear;
n^
III.Socialaspects;
IV.Conclusions . •.-,

2
I„Workofthe Loans Committee
A.Meeting ~TheCommittee held four meetings (5days )andexamined
150dossiers *
Working ;methods –TheCommittee was forced tocontinue thepractice
introduced in1972 ofselecting applications onthe "basis ofpriority -
criteria since available funds were still totally inadequate .It
therefore agreed that :
1«Nopriority should begiven toapplications forloans :
1(a)torepay anearlier loan ;there isnourgency here since the
applicant hasalready acquired hisproperty andinterest on
theoutstanding loan i§considerably lower than thecurrent
market re/tet
(aa)to "buybuilding land ;theapplicant canobtain aloan atthe
■* /1 '•>building stage ;
'•y1
(aaa)tobuy ,build orconvert adwelling which :
-isnotsituated attheapplicant 'splace ofwork ,unless he
isover 50years ofage ;
-issituated attheapplicant 'splace ofemployment ,but is
not his main I'eaidenc.e .
I-'
r\–
2<>Priority should begiven toapplications forloans :
'1
(a)tobay ,build orconvert amain residence attheapplicant 's
place ofwork ; ^
(aa)tobuy ,build orconvert 'amain residence attheapplicant 's
place oforigin provided 1heisover 50years ofage .

-3-
Since"thenumberofapplicantsin"thelasttwogroupswasstilltoo
high,theCommitteefeltthatpriorityshouldhegiventoapplicants
withthelowestincome(tofavourofficialsinthelowergrades),
applications "beingweighted "bythenumberofdependants(tofavour
largefamilies).
C.Opinion
Onthebasisofthesecriteria,theCommitteeapproved85applications
andrejected15duringtheperiodunderconsideration .
D.Newprioritycriteriaforthecomingfinancialyear
TheCommitteenotedthatthecriteriaithadadoptedin1972werenot
selectiveenough,anddecided,,tointroduceanewsystemintheooraing
financialyeartotakeaccountofadditionalfactors,whichwould"be
Weightedaccordingtotheirimportance :
A.locationoftheproperty;
B.tneapplicant'sage,lengthofserviceandfamilysituation;
C.theincomeoftheapplicantand,whereappropriate ,ofthespouse.

4-
II,Utilization offunds
1.Generaladministration
at31/7/74durmgthe
financialyearat31/7/75
Application made 1584 140 1724
Applications withdrawn –112 -90 -202
Applications pending -81 -41 -40
Applications alreadysubmitted
ortobesubmittedtothe
Committee 1391 91 1482
Applications onwhichno
décisionwastakenbecauseail
fondsforthefinancialyear
hasbeendisbursed -401 -9 •-392
Case3decidedbytheCommission 990 100 1090
Refusais -29-15 -44
Loansgranted 961 85 1046
Loanscancelledatthe
requestofrécipients
i-21 -2 -23
Loansoutstanding
,1 *940 87 1023
1O46loansinvolving943officials

2.Financialadministration
A.Fundsavailableinitially
40$oftheECSCpensionfund
ECSCinterest1970and1971
BalancedueonECSCloansat
15December1971
Fundsavailableat15December1971
B.Receiptsfrom1January1972to
31July1974
RédemptionBfrs55847288L)'
InterestBfrs41139585
RepaymentsBfrs10645871)
C.Loansgranted "between15December1971
1971/72Bfrs366864731")
I972/73Bfrs92669138
1973/74Bfrs69005713
Fundsavailableat31July1974s
nr"l
D.Receipts "between1August1974and
:31July1975
RédemptionBfrs28099072)
InterestBfrs21519199\
RepaymentsBfrs3865568)
E.Loansgranted "between1August1974and
31July1975
Bfrs60950522–BfrsI65000(cancelled)
''\
Fundsavailableat31July1975Bfrs510187020
+7104737
517291757
-93878178
423413579
Bfrs+107632744
Bfrs-528539582
Bfrs2506741
Bfrs+53483839
Bfrs-60785522
Bfrs-4794942

-6-
3.Forecastsforcomingfinanoialyears
1975/76(Receipts •|
)Loansto"begranted
4
Reoeipts
Loanstobegranted
4«Statistics
rt
Seepages9and.12,andTableI.1975/76
1976/77Bfrs+62500000
Bfrs-57700000
Bfrs+72000000
Bfrs-72000000
III.Socialaspects
AT'•WiththeapprovaloftheCommission ,theLoansCommitteecontinuedto
giveitsopinionsonthebasisoftheprioritycriteriasetou*inthe
previousreporttohelpofficialswithlowincomes(i.e.,thoseinthe
lowergrades).Accountwasalsotakenofthenumberofdependantsto
favourlargefamilies.
Ihiringthefinancialyear,85loansweregrantedto77officials,a
breakdownbygradeisgivenintheTablebelow.
TheCommitteenotedthatitscriteriawerenotselectiveenoughsince
theywerebasedsolelyonpercapitaincome,anddecidedtointroduce
amoreinvolvedsysteminthecomingfinancialyear,whichwouldtake
accountofadditionalfactors,suchasage,lengthofserviceandage
ofchildren.Thissystemhadprovedmoresocialinpracticethanthe
previousone(seepointI.D^-ofthisReport).

-7-\
OFFICIALS GRANTED LOANS
CRADE 16/8/71to31/7/721/8/72to3l/7/731/8/73to31/7/741/8/74to31/7/7=
A1 2 _
a2 12 ^ "" :""
A3 32 _
A4 58 6 _ 7
A5 111 14 ? J
f7 50 .20 4 ^A7 13 "6 \ 1A8 1 _ 4 2
TOTAL A 279 /fi .. ;
' 4o 11 28
B1 39 1 ,B2"" 53 *"ll f 2B3 58 n * 6B4 26 "Je 11B5 12 10 7
**"■B | 1S8 42 £–
C^ 41 5 -i02 66 9 * 7C3 <11 5 504 1 " ' 6
c5 2 :l
?! 20 2 'D2 10 1 5 1
S3 - l 1 1
TOTALD^ 30 ^3 ? ~ 2
– 1–.-π,- 'I Ι 1 '?·>ί·ΒΒΡΒ8ΒΒ»ΒΒ8ΒΒΒΒΒν ^,^.^ ·^,
GRANDTOTAL -|,; 657 ^ '89 '
i '* :
I * i
t •
! ''
' l;
nri
A
ί

i, •.VT"
i ; '
i
!
IV,Conclusions 'il
1.Inall140newapplications were received during thefinancial year .
2.A"total of85loams (Bfrs 607^5522)wasgranted .
3.Theobligation imposed "bytheCouncil todistribute aminimum of
Bfrs 50000000annually has "been respected .
J
4.On31July 1975 •432applications were pending .
N
5»Following increases intheBelgian retail price index ,theceilings
setinArticle 4(2)oftheimplementing provisions were raised as
follows :
,t
On17June 1971 Bfrs 600000+Bfrs 50000 for each child
On1May1972 Bfr«-630 000+Bfrs 52500foreach child
On1December 1972 "Bfrs 660000+Bfrs 55000foreach child
On24January 1974 Bfrs .693000+Bfrs 57750foreach child
' '
On .1April 1974 Bfrs .727650+Bfrs 60638foreach child
On1August 1974 Bfrs 764033+Bfrs 63670foreach child
On1January 1975 Bfrs,802 235+Bfrs 66854foreach childh
On1July 1975 Bfrs 842347+Bfrs 70197foreach child
This represents a40.39$ increase inceilings ,which means that fewer
officials canhope tobegranted aloan .

t »
Qmm"
Statisticsat31July1975
I.Loansgranted "bypurposes
Parchase("buildingland) °5
Purchase(house) 120
Purchase(flat) 228
Purchase+repayment(flat) 2
Purchase+repayment(house) 2
Purchase+conversion(flatL 2
Purchase+conversion(house) 26
Building(house) 428
Building+repayment(house), 6
Repaymentofloan(flat) 11
Repaymentofloan(house).- 72
Conversion (flat) 4
Conversion(house) 52
Conversion+repayment(house) 1
TOTAL 1039
KB.Ofthese1039loans9-6.weregrantedintwoinstalments whichmeansthat
atotalof943offioialswereinvolved#
II.RECIPIENTS r,
(a)B.yinstitution
Council
Parliament <
CourtofJustice ;
EconomicandSocialCommittee
AuditBoard
Commission,Brussels i<
Commission,Luxembourg -<
Commission,Ispra47
42
13
10
4
464
102
172

-10-
Commission ,Karlsruhe ,: 4
Commission ,Geel-Mol 33
Commission ,Petten 17
Commission ,other 35
TOTAL 943
sss
("b)Bynationali ty
Belgian ' 192
German 227
French I57
Italian 255
Ltuceinbourg 34
Dutch 75
British 3
TOTAL 943
(°)Bysex
Female 233
Maie 710
TOTAL 943
ssss
(d)Bycivil status
Single 88
Married 812
Separated 6
Divorced 3].
Widowed 6
TOTAL 943
ses

-11-
(e)Byâgeattimeofapplication
25years 2
26 7
27 9
28 13
29 9
30 18
31 23
32 47
33 36
34 41
35 58
36 ""59
37 55
38 55
39 57
40 46
41 4-49
42 s"52•
43 45
44 34
45 31
46 24
47 20
48 '34
49 17
50 22
51 21
52 12
53 7
54 12
55 7
56 6
57 6
58 3
59 3
61 ■-2
62 1
TOTAL 943
(f)3?/lengthofserviceattimeofapplication
5years 113
6 87
7 99
8 '100
9 98
10 130
11 86
12 75
13 90
14 25
15 11
16 7
17 '1
18 11
19 p8
20 ~l
21 ...1
TOTAL 943

-12-
III.The943recipientsinclude15couples,whereeachspousewasan
officialandobtainedaloan.Thetotalnumberofpropertiesis
therefore943–15-928.
(a)Locationofdwellings
Belginm
Germany
France
Italy
Luxembourg
Netherlands
GreatBritain
Switzerland486
24
61
196
132
25
3
1
TOTAL 928
("b)Relationship "between "borrowerandlocationofdwelling
Countryofemployment
Couatryofon.gin
Countryofemployment
andcountiyoforigin
Other611
84
197
36
TOTAL •.328
(c)Fropertysituationof"borrower3
\
Uncnangedsince31July1973*

IX/B/4-BUILDINGLOANS Situationat31July1975 TABLEI
i
GÏU2SStaff
nuobers î
2!Applications Successfulapplicantsbynuaibar......
ofdependantsasdefinedintheStaff
Regulations(excludingspouse)Ratio ApplicationspendingRelationship
betweenborrower
andlocationof
dwellinnrsceived
3!vfiibdrawn
4JfRejectad5Staffnos/
applic-
!axions •
Iicans
granted/
application !DUSSItk
incoupletcH3Œ
coapiete
ITOTAL
à.î
2
3
4
5
6
7
837
158
455
998
1475
860
653
24
23
81
144
243
150
42
22
1
13
25
33
19
7rrn
1 1TOTi7!jijLJ\jLULu6iLUr
I
LTOTALuttier
2
2
4
6
13
19
23
22
19
45
5
23
44
17
48
26
48
70
42
9î
6
4
2
4
11
4
2
22
10
&
4
4
14
2
5
12
11
11
13
20
53
25
11
1!
4
7
14
41
25
101
1
1
17
14
81
5
2
3
21
132
12
32
65
141
65
25
2
Total<463869410018LdLÉmlLid124jLrj42ILIiJLjJ 36414.96*52-44%1590ns 203 29.25*
B1
2
3
.1:.4
J,5482
745
775
1:508••
,-240•'7°
129
152
"91
J46
19
18
'111:
r.-33:3
1
;11
4
14
4
2
18
18
21
*8
"56
10
18
É
616
24
37.9
18
11
11
56
2
6
3
21
1
;1
1.11
r
î-z3::
j–46
74
94
58
243
32
11
;ï
19
13
17
6
211
8
13
12
422
32
38
21
7
TotalB275048457LJJLoi6°4611254194I1m 29617.60%61.15%2047ru 12024.79%r
e1
2
3
4
5598
1.361
1316
382
12178
170
122
15
23
21
161
2
11
12
2
225
25
22
312
30
21
1
111
26
24
6
16
12
8
22
2
156
95
76
12
22
15
2
110
20
18
15
17
8
117
52
28
.3
Totalc37783874042665IH285Rnn 24110.24<62.27<2049m 10025.83*
B1
2
3263
244
16334
18
12
36
24
2
113
73
12
128
13
122
24
2
TotalD670535Uu□8IQ20Q|3|mnn «7.91*79.24* 2n 6
118361.618 202271744187153324187691733 943» 55188186429
coi-5*1.notadaissible(doesnotcoaplywithrules). SeetableII *REL«Repaymentofearlierlean.
2■rejectedforsocialreasons. Grantsineachfinancialyear.