ARCHIVESHISTORIQUES
DELACOMMISSION
COLLECTION RELIEEDES
DOCUMENTS "COM"
COM(77)176
Vol.1977/0072

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COMMISSION OFTHEEUROPEAN COMMUNITIES
COM(77)176final.
Brussels.17May1977
■
REPORTTOTHECOUNCILONTHEUTILIZATION OPSUMSAVAILABLE FORGRANTING
BUILDING LOANSTOOFFICIALS OPTHEEUROPEANCOMMUNITIES OVERTHEPERIOD
,,1AUGUST1975TO31DECEMBER1976
/*
,1
COM(77)176final./

REPORT TOTHE COUNCIL ONTHE UTILIZATION OPSUMS AVAILABLE FOR GRANTING
BUILDING LOANS TOOFFICIALS OFTHE EUROPEAN COMMUNITIES OVER THE PERIOD
1AUGUST 1975 TO31DECEMBER 1976
PREAMBLE
This is "thefourth report drawn up "bytheCommission .Departing from
custom ,itcovers aperiod ofseventeen months (from 1August 1975 "to
31December 1976 ),sothat infuture thefinancial year will coincide
with thenormal budget year .
Thereport isinfour parts :
I.Work ofthe Loans Committee .
II.Utilization offunds during thefinancial year .
III .Social aspects .
IV.Conclusions .

I.WORK OFTHE LOAflS COMMITTEE
i
8
A.Meetings
TheCommittee held eight meetings (tendays )andexamined 435applications .
B. Working methods
Faced once again with theproblem ofinsufficient fUnds tosatisfy all
theapplicants ,theCommittee decided that itwasnecessary tocontinue
selecting applications onthebasis ofcertain priority criteria ,asit
hasbeen doing since 1972 .
However ,during theperiod inquestion itused anew system which takes
account ofagreater number offactors ,wei^ited according toimportance ,
notably :
A.thelocation oftheproperty tobefinanced ;
B.theapplicant 'sage ,length ofservice andfamily status ;
C.theincome oftheapplicant and ,where applicable ,ofhisspouse .
These criteria were approved bytheCommission ,which decided on10June 1976
toinclude them inArticle 5(2)oftheimplementing provisions .
C. Opinions given bythe Committee
Onthebasis ofthese criteria theCommittee approved 271applications
andrejected sixduring thefinancial year inquestion .

-3-
II.UTILIZATION OPFUNDS
1.Generaladministration
at
31/7/1975duringthe
financial
yearatJ
31/12/1976
Applications made 1724 341 2065
Applications withdrawn -202 66 -268
Applications pending -40 /"38|
Applications alreadysubmitted
orto"besubmittedtothe
Committee 1482 277 1759
Applications onwhichnodecision
wastakenbecauseallfundsfor
thefinancialyearhadbeen
disbursed-392 /-392|
- !
CasesdecidedbytheCommission 1.090 2771,367 !
Refusals -44-6-50 ;
Loansgranted I1,046 271+ 1317*
Loanscancelledattherequest
ofrecipients -23-4
Loansoutstanding 1023 267– –■■ι
1.290|
•–À
«
1317loansinvolving1206officials.
+271loansinvolving265officials.

νMoneytofciVsfedfromtheECSCFund
■*!'
P^h^i»initially
40$oftheBCSCPensionFund Bfrs510187020
ECSCinterestI97Oand1971 +7104737
517291757
B*l»noedueonEORC!loansat15December1971 -93878178
Fundsavailableat15December1971 423413579
Loansgrantedfrom15December1971"to31July1975
Bfrs602686066-Bfrs15297712(cancelled)Bfrs587388354
Receiptsfrom1January1972to31July1975
RedemptionBfrs83946360)
InterestBfrs62658784\ Bfrs161116583
RepaymentsBfrs145H439)
Receiptsfrom1August1975to31December1976
RedemptionBfrs58647723)
InterestBfrs33315305< Bfrs102584431
RepaymentsBfrs10621403)
Mewfundsnadeavailablein1976 Bfrs140000000
Loansgrantedfrom1August1975to31December1976
Bfrs163172852-Bfrs3731100(cancelled)Bfrs159441752
Availableat31December1976 Bfrs80284487
Forecastsforcomingfinancialyears
1977ίΒβοβίρΐβ ΒΓγθ65000000
\Loanstebegranted Bfrs145000000
1976(Receipt* Bfrs72000000
fLeanstebegranted Bfrs72000000

-5-
(2)Budgetappropriations
Appropriations available
Appropriations committed ,in1976
whichmadeitpossibletogrant67loans
3.Statistics
Seepages7to10andTablesIandII.
III.SOCIALASPECTS
Duringtheperiodinquestion,theLoanCommittee,withCommission
approval,continuedtoapplytheprioritycriteria,thepurposeof
whichistohelpfirstofallemployeeswiththelowestincome.
The271loansgrantedduringthefinancialyearinvolve265officials.
AbreakdownbygradeiscontainedinTableII.
Thisbreakdownshowsthattherecipientsofloanswere:
19incategoryA
93incategoryB
135incategoryC
18incategoryD.Bfrs50000000
Bfrs49999994
IV.CONCLUSIONS
1.Thenumberofnewloanapplications was341*
2.271loansweregranted,totallingBfrs159441752.
3.TheobligationimposedbytheCounciltodistributeaminimum
ofBfrs50000000annuallywasthereforerespected.

4»On31December 1976 ,392applications were pending .
5.Following increases intheBelgian retail price index ,theceilings
setinArticle 4(2)oftheimplementing provisions were raised as
follows :
On17June 1971 ! Bfrs 600 000 +Bfrs 50000 per child
On1May1972 : Bfrs 630 000 +Bfrs 52500 per child
On1December 1972 : Bfrs 660000 +Bfrs 55000 per child
On24January 1974s Bfrs 693 000 +Bfrs 57750 per child
On1April 1974 : Bfrs 727650 +Bfrs 60638 per child
On1August 1974' Bfrs 764 033 +Bfrs 63670 per child
On1January 1975 s Bfrs 802235+Bfrs66854 per child
On1July 1975s Bfrs 842347 +Bfrs 70197 per child
On1January 1976 : Bfrs 884464 +Bfrs 73707 per child
On1October 1976 : Bfrs 928687 +Bfrs 77392 per child
This represents a54.78 pincrease inceilings ,which means that fewer
officials canhope tobegranted aloan .
TheABEX index shows a100.84$ increase inbuilding costs forthe
period from 1November 1971 to1November 1976 .
Acomparison ofthese twopercentages shows thereduction inthe
share ofbuilding financing accounted forbyCommission loans .

-7-
Statisticsasat31December1976
I.Loansgranted
Purchaseofbuildingland 84
Purchaseofhouse 166
Purchaseofflat 287
Purchase+repayment(flat) 2
Purchase+repayment(house) 2
Purchase+conversion(house) 35
Purchase+conversion(flat) 3
Buildingofhouse 520
Building+repayment(house) 6
Repaymentofloan(flat) 26
Repaymentofloan(house) 105
Conversionofflat 5
Conversionofhouse 64
Conversion+repayment(house) 2
TOTAL 1307
NB.Ofthese1307loans101weregrantedintwoinstalments,which
meansthatatotalof1206officialswereinvolved.
II.Recipients
(a)Byinstitution
Council 63
Parliament 52
CourtofJustice 16
EconomicandSocialCommittee 15
AuditBoard 4
Commission,Brussels 627
Commission yLuxembourg 120
Commission yIspra 197
ECSCAuditor'sOffice 1

-8-
Commission,Karlsruhe
Commission,Geel-Mol 'Commission.Petten ^
Commission,other ^il.
TOTAL 1206
("b)Bynationality
Belgian
Gemían
Prench ^73
Italian 99
LuxembourgDutch 39
British 1QQ
TOTAL 1206
(c)Bvsex
Female
Maie 357–§42
TOTAL 1206
(d)Bymaritalstatus
SingleMarried. 124
Separated ^
Divorced 9
Widowed 5°
12
TOTAL 1206

(e)Byageattimeofapplication
24ye8r8 1
25 2
26 7
27 11
28 15
29 16
30 26
31 28
32 64
33 46
34 57
35 69
36 76
37 76
38 69
39 71
40 64
41 56
42 59
43 50
44 45
45 40
46 31
47 30
48 40
49 23
50 27
51 29
52 14
53 12
54 14
55 10
56 8
57 7
58 3
59 4
600
I
61 2
63 3
TOTAL1206
(f)Bylengthofserviceattimeofapplication
3years8 18years16
4 8 19 9
5139 20 2
6103 21 2
7123
8118
9122TOTAL1206
10 150SSSSSS
11110
12 98
13 104
14 43
15 25
16 18
17 8

-ιπ-
III.The1206recipientsinclude15couples,whereeachspouse
wasanofficialandobtainedaloanforthesamedwelling.The
numberofdwellingsisthus1206–15–1191*
(a)Locationofdwellings
Belgium 668
Germany 32
Prance 71
Italy 227
Luxembourg 157
Netherlands 32
GreatBrita*n 3
Switzerland 1
TOTAL 1191
(b)Relationship betweenborrowerandlocationofdwelling
Countryofemployment 831
Countryoforigin 109
Countryofemployment 215
andcountryoforigin
Other 36
TOTAL 1191

tusK-BUILDI"S1QAHSSituation asat31Oece-bcr1976 TABLEII
ΓΊ1S76
Staff
suabers'jA
-4ppllcations
>.i."!..Il"Successful appHcants bynunber
a4jfanairiftnie definedInthfi«Ratio Applicationspending'IRelationship
betreen',applications
oendingand,
applications
received . I0«K 1receîved
fJfvithdrauri
i•iiKejectea
ILStaffRégulations (excludingspouse]Staffnos/
aojHc-aticns'loans.
4λ/Ι/00SS1ÇR
incsspleteUUbMtK
leorplete
TOTALΠFT]FôtImΓΠ 23*LLJ-LJTOTAL Utner|
A «0
«A4.
SOI
1104
t604
87T
724
2«
••
84
153
264
fi»
49
T2
*
14
30
46
a
7,r
4
3
2
17
10
7
4
5
t4
4
17
14
42
3
13
12
2f
13
20
34
30
13
14
7
14
41
27
10 »1
1
m3
«2
ΤΓ
32
63
146
9$
30
t1
1
4.
3
3
»•
3
20
2S
26.
22
4t
7
22
3»
16
«m
■9
2>
31
6»
41
11
mI
••
ra- S008 748FIF1PInnmMiîJΘΘΘ383 14.93Z31,20Z" 103 93 208 27,80S
331
799
789
364
22090
130
182
112
4310
24
21
17
33
1
11
8
14
t
2
110
23
30
8
69
13
23
9
»19
3$
51
34
811
22
17
13
61
1
2
113
9
12
7
3t
4
3
2»
12
16
12
37
f
9
3I*
23
30"
23
*
pfôtâT 2923sn 77nπ»ΊΘΘΘΘΞmπ□387 19.73Z67.07SIL-J36100 17.33S
Ρ1
2
3
4
c681
1484
1451
459
*/*»102
235
173
Η3
32
1»
11
2
t1
1
22
3
336
46
32
516
48
34
?17
40
30
?7
22
15
42
2
3
178
158
51
»
î10
20
H
i«
1617
42
H
1
fTotal 3ΓΠΠηmΓΗrm488rnmraΠΊ376 13.02Z68.48S» 59–îî–108 19.67*
F1
2
3f77
282
21044
28
é3
3 m7
2
m3
7
117
8
15
33
1 «•37
21
22
mt
3
31
1
1«
4
4
Total 769=1r~nπππnimr=i□mnnππ□60 10.14*76.92Z[2I' » .'V»«
Total 12*131«32 2682723302312144032308121331206*
••••a38 221 169 421
<•1Sinotadmissible(doesnotcosplywithrules). 'SeetableII" *REt•Repaymentofearlierloan
I-rejectedforsocialreasons. . firantsIneachfinancialyear."'

TABLEII
OFFICIALS TO--WHOMAT.nJTTWASGRANTED
DURIÏÏGTHSPKRTOT)
Prom PromProm1Prom Prom
GRADES16/8/1971 1/8/1972 1/8/1973 1/8/1974 1/8/1975
¥o To To To ToTOTALS
31/7/197231/7/197331/7/197431/7/197531/12/1976
A1 2 2
A2 12 12
A3 32 32
A4 58 6 1 65
A5 111 14 2 15 4 146
A6 50 20 5 10 10 95
A7 13 6 4 2 5 3C
A8 1
TOTALA279 46 11 I28 19 383
Β' 39 1 4 2 12 58
Β2 53 12 4 5 23 97
Β3 58 11 14 9 37 129
Β4 26 15 10 7 13 71
Β3 12 3 6 3 8 32
TOTALB188 42 38 26 93 337
C1 41 5 3 7 22 78.
C2 66 9 15 5 63 153
C3 45 11 14 6 38 114
C4 6 5 1 9 21
C5 2 3 5
TOTALC160 30 33 18 135 376
D1 20 2 5 1 9 37
D2 10 1 1 1 8 21
D3 1 1 2
TOTALD30 3 7 2 18 60
TOTALS 657 121 89 74 265 1206