ARCHIVESHISTORIQUES
DELACOMMISSION
COLLECTION RELIEEDES
DOCUMENTS "COM"
COM(75)3
Vol.1975/0001

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•i
COMMISSION OFTHEEUROPEAN COMMUNITIES
COM(75 )3final » .
Brussels ,15january 1975
V
. ■
REPORT TOTHE COUNCIL ONTHE UTILIZATION OPSUMS AVAILABLE
FOR GRANTING BUILDING LOANS TOOFFICIALS OFTHE EUROPEAN
COMMUNITIES OVER THEPERIOD 1AUGUST 1973 to31JULY 1974
COM (75)3fimal .

REPORT TOTHECOUNCIL ONTHEUTILIZATION OPSUMSAVAILABLE
FORGRANTING BUILDING LOANSTOOFFICIALS OFTHEEUROPEAN
COMMUNITIES OVERTHEPERIOD 1AUGUST1973to31JULY1974
PREAMBLE .
On8February 1974theCommission forwardedtotheCouncilaReportonthe
utilization ofsumsavailable forgrantingbuilding loanstooffioials of
theEuropean Communities overtheperiod18June1971to31July1973.
TheReportalsocontained proposals forincreasing thefundsavailable
forthispurpose *
Thepresentreportcoverstheperiod 1August1973to31July1974andis
dividedintofourpartst
I*WorkoftheLoansCommittee ;
II*Utilization offundsduringthefinanoialyearj
III*Socialaspeotss
IV,Conclusions

IX/2498/74-E
-2-
Work ofthe Loans Committee
A.Composition -Themembership oftheCommittee wasrenewed ,on2May 1974 .
B.Meetings -TheCommittee held four meetings (5days )andexamined
230dossiers .
C.Working methods -The Committee was foroed tobeselective since
available funds were totally inadequate .Ittherefore drew upcriteria
foraccording priority andagreed that s
1.Nopriority should begiven toapplications for loans
(a)torepay anearlier loan ;there isnourgency here since the
applicant hasalready acquired hisproperty and interest on
theoutstanding loan isconsiderably lower than thecurrent
market rate ;
(aa)tobuybuilding land ;theapplicant canobtain aloan atthe
building stage ;
(aaa)tobuy,build orconvert adwelling which :
-isnotsituated attheapplicant 'splace ofwork ,unless
heisover 50years ofage ;
-issituated attheapplicant 'splaoe ofemployment ,but is
not his main residence .
2.Priority should begiven toapplications forloans t
(a)tobuild ahouse onland forwhich thefirst instalment ofa
loan hasalready been granted .The Commission hasamoral
obligation tosuch applicants since itrequires them tobuild
within aspecified period ;

-3-IX/2498/74-E
(aa)to"build,buyorconvertamainresidenceattheapplicant's
placeofworkj
(aaa)tobuy,buildorconvertamainresidenceattheapplicant'splaceof
originprovided heisover50yearsofage.
Sincethenumberofapplicants inthelasttwogroupswasstilltoohigh,
theCommittee feltthatpriority shouldbegiventoapplicants withthe
lowestincome(tofavourofficials inthelowergrades),applications being
weightedbythenumberofdependants (tofavourlargefamilies).
Opinions
Onthebasisofthesecriteria,theCommittee approved 77applications and
rejeotednineduringtheperiodunderconsideration .(aa)
(aaa)

-4-IX/2498/74-E
II.Utilization offunds
1.General administration
Applications made
Applications withdrawn
Applications pending
Applications already submitted
orto "besubmitted tothe
Committee
Applications onwhich nodeoision
wastaken beoause allfunds for
thefinanoial year hadbeen dis­
bursed
Cases decided bytheCommission
Refusals
Loans granted
Loans cancelled attherequest
ofrecipients
Loans outstandingat31/7/73during the
financial year at31/7/74
1400 184 1584
-82 -30 -112
-81 -81
1237 154 1391
-342 -59 -401
895 95 990
-28 -1 -29
867 94*
961
•-15 -6 -21
852 88 940 '
961loans involving 867officials .

-5-15^2498/74-E
Financie ,!administrat ion
AsFundsavailable initially
40%oftheECSGpensionfund Bfrs 510187020
ECSOintererrfc 1970and1971 +7104737
517291757
Balance dueonECSCloansat
15December 197' -93878178
Fundsavailable at15December 1971 423413579
■B.Loansgrantedbetween 15December 1971
and31July'Ï972
Bfrs373949563-Bfrs7001832(cancelled )Bfrs-366947731
C.Receipts from1January l972to
Rédemption Bfrs7561252%
Interest Bfrs+4318119) + ^1
Fundsavailableat31July1972 Bfrs 68345219
D.Receipts from1Atumst197?tn
Rédemption Bfrs22449407)
Interest Bfrs+16638591<
Repayments Bfra+3072113)
E.Loansgrantedbetween 1August197?
Fundsavailableat31July1973
Receipts "between 1August1973
■and31
Rédemption Bfrs25836629)
Interest Bfrs+20182875<
Repayments Bfrs+7573758)
0.Loansgrantedbetween1August1971
and31July )974Bfrs 68345219
Bfrs+42160111
Bfra-93408638
Bfrs 17096692
Birs+53593262
Bfrs-69389313
Fundsavailable on31July1974 Bfrs 1300641

IX/2498/74-E
-6-
3.Forecasts forcomingfinancial years
1974/75
1975/76
1977/78
4*Statistica
Seepages9and12,andTableI.
III.Socialaspects ,
Withtheapproval oftheCommission )theLoansCommittee continued toapply
theprioritycriteria setoutintheprevious reporttohelpofficials with
lowincomes(i.e.,thoseinthelowergrades)*Accountwasalsotakenof
thenumberofdependants tofavourlargefamilies.
Duringthefinanoial year,94loansweregrantedto89offioials ,mostof
whom,ascanbeseenfromtheTablebelow,camefromthelowergrades.Receipts Bfrs+53000000
Loanstobegranted Bfrs-54300000
^Receipts Bfrs+62500000
(Loanstobegranted Bfrs-62500000
)Receipts Bfrs+72000000
(Loanstobegranted Bfrs-72000000

-7-IX/2498/74-E
OFFICIALS GRMTED LOANS
GRADE16/8/71"ko1/8/72to11/8/73"koTOTAL
31/7/72 31/7/73 31/7/74
A1 22
A2 121Z
A3 3232
A4 58 6 64
A5 111 14 2 127 ,
A 50 20 4 74
A7 13 6 4 23
A81 2
TOTALA 279 4611336
В1 391 4 44
В2 53 12 4 69
В3 58 11 14 83
Β4 26 15 10 51
Β5 123 |6 21
TOTALB 188 42 38 268
σ1 41 5 3 49
C2 66 9 15 90
C3 45 11 14 70
C4 6 5 1 12
C5 2 2
TOTAL C 160 30 33 223
D1 20 2 5 27
D2 10 1 1 12in i 11
TOTALD
ssssssaasasBaisas : 22=330
ssssssas=583 7 40
ззаавв8зза&ев8Я85
GRANDTOTAL 657 121 89 867 ■

-8- IX/2498/74-E
IV.Conclusions
1.Inall184newapplications werereceivedduringthefinancial year.
2.Atotalof94loans(Bfrs69389313)wasgranted.
3.Thediligation imposedbytheCounciltodistribute aminimumof
Bfrs50000000annually hasbeenrespected .
4*On31July1974»482applications werepending.
5.Following increases intheBelgianretailpriceindex,theceilings
setinArticle4(2)oftheimplementing provisions wereraisedas
follows 1
On17June1971
On1May1972
On1December 1972
On24January1974
On1April1974
On1August1974Bfrs600000+Bfrs
Bfrs630000+Bfrs
Bfrs660000+Bfrs
Bfrs693000+Bfrs
Bfrs727650+Bfrs
Bfrs764033+Bfrs50000foreachchild
52500foreachchild
55000foreachchild
57750foreachchild
60638foreachchild
63670foreachchild
Thisrepresents a27.33$increaseinceilingswhiohmeansthatfewer
officials canhopetobegrantedaloan.
6.TheReportsubmitted totheCouncilon8February 1974wasexamined
bytheCouncil'sBudgetary Committee on7March,28March,9Mayand12June1974
butnoreporthasyetbeenforwarded tothePermanent Representatives Committee .
7»Theproposals putforwardbytheCommission inthisreportformaking
additional fundsavailable refleotaneedthatisrealandurgent.Atthe
presenttime,manyoffioials cannothopetoownahomeoftheirownunless
theyaregrantedabuilding loan. .

IV2498/74-E
-9-
Statistics at31July1974
I*Loansgranted "bypurpose
Purchase ("buildingland)
>Purchase (house)
Purchase (flat)
Purchase +repayment (flat)
Purchase +repayment (house)
Purchase +conversion (flat)
Purchase +conversion (house)
Building (house)
Building +repayment (house)
Repayment ofloan(flat)
Repayment ofloan(house)
Conversion (flat)
Conversion (house)
Conversion +repayment (house)
TOTAL86
114
214
2
2
2
19
374
6
11
72
4
48
1
.255
NB.,Ofthese955loans88weregrantedintwoinstalments sothatatotal
of867offioials wereinvolved.
II.RECIPIENTS
(a)Byinstitution
Council
Parliament
CourtofJustice
Economic andSocialCommittee
AuditBoard
Commission )Brussels
Commission *Luxembourg
Commission ,Ispra43
38
13
10
4
427
92
158

IX/2498/74-E
-10-
Commission ,Karlsruhe J
29Commission ,Geel-Mol
Commission *Petten ^
Commission ,other ^
TOTAL ' §61=
("b)Bvnationality
171Belgian
215German
™_ V 148Prench
225Italian
Luxembourg
72Dutch '
British ^
TOTAL 867esaosasa
(c)Bysex
Female
Maie 652
TOTAL 867asasssBa
(d)Bvcivil status
Single .84
Married '^
Separated ^
Divoroed
Widovred *
TOTAL 867

-11- IX/2498/74-E
(e)Byageattime6fapplication .
25yeare 2
26 7
27. 8
28. 13
29 7
30 18
31 22
32 44
33 31
34 -41
35 50
36 52
37 48
38 48
39 54
40 44
41 45
42 47
43 41
44 29
45 "29
46 23
47 20
48 32
49 17
50 20
51 21
52 11
53 , 6
54' 11
55 7
56 5
57 .5
58 3
59 3
61 *2
$2 1
TOTAL 867
(f)Bylengthofserviceattimeof.application
5years 109 18years 11
6 ,80 19 8
7 92 20 1
,8 84 21 1
9 91
10 121
11 83
12 70
13 82
14 22
15 7
16 4
17 1
TOTAL 867

-12- IX/2498/74-E
III.The867recipients include15coupleswhereeachspousewasanofficial and
obtainedaloan*Thetotalnumberofproperties istherefore 867-15■852#
(a)Locationofdwellings
Belgium 442
Germany 24
Prance 58
Italy 179
Luxembourg 121
Netherlands 24
GreatBritain 3
Switzerland 1
TOTAL
(b)Relationship betweenborrowerandlocationofdwelling
Countryofemployment 556
Countryoforigin 77
Countryofemployment and
countryoforigin 184
Other 35
852
(o)Propertysituation ofborrowers
Unohanged since31July1973*442
24
58
179
121
24
3
1
852

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