ARCHIVESHISTORIQUES
DELACOMMISSION
COLLECTION RELIEEDES
DOCUMENTS "COM"
COM(82)449
Vol.1982/0149

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COMMISSION OFTHEEUROPEAN COMMUNITIES
COM(82)449 final.
Brussels ,14July1982
REPORT FROMTHECOMMISSION TOTHECOUNCIL
ontheutilisation ofsumsavailable forgranting building loans
toofficials oftheEuropean Communities overtheperiod 1January
to31December 1981
r
, V''
i
UUofinal.

-d-
REPORT TOTH3C COUNCIL ONTHE UTILIZATION OPSUMS AVAILABLE
FOR GRANTING BUILDING LOANS TOOFFICIALS OFTHE
EUROPEAN COMMJNITIES OVER THE PERIOD 1JANUARY
TO31DECEMBER 1981
INTRODUCTORY NOTE
This istheninth report drawn upbytheCommission .Itcovers the
period from 1January to3*1December 1981 andisinfive parts :
I.Background <
II.Work ofthe Loans Committee
III.Utilization offunds in1981 • ,
IV.Conclusione
Attached tothereport aretables showing thenumber ofloans granted t
thenumber ofofficials involved andthelocation oftheproperties
financed ineach reporting period .

fi' r«9H M
-Z-
T.EACKOROUND !
Thefundsdrawnonby"theCommission tomakebuilding loansavailable to
Community officials comefromtheoldECSCPensionFund.
1.ECSCPension Fund
A.£ri^in__am–development
TheECSCPensionFundwassetupon1July1956undertheECSCStaff
Regulations drawnupbytheCommittee ofPresidents on28January1956
(theseremainedinforceuntil31December 1961)andageneralCommunity
regulation . '
ThisPension Fundbelonged totheECSC.ItwasmanagedbytheHigh
Authority untiltheMergerTreatycameintoforceandthereafter by
thesingleCommission . ,.
Ownership oftheFundwasnotaffected bythenewStaffRegulations which
appliedfrom1January1962to4March1968orbytheMergerTreaty,
Article 24ofwhich,however,required theCounciltoprepareacommon
setofStaffRegulations .
ThesewereadoptedbytheCouncilon29February 1968(Regulation No259/68)
andcameintoforceon5March1968.
Fromthatdateofficials *pensions becamepartofthebudget.Contributions
arenowenteredasarevenueiteminthegeneralbudgetandpayments as
expenditure .
Article83ofthenewStaffRegulations includesthefollowing special
provisions :
"Theemployment ofthefundsfortheformerpensionschemereferred toin
Article83(1)oftheformerStaffRegulations oftheEuropeanCoaland
SteelCommunity shallbedecideduponbytheCouncilactingbyaqualified
majority onaproposal fromtheCommission afterconsulting theStaff
Regulations Committee ."'
1

-S'
Afteroon«ultlng theStaff Regulations Committee theCommission proposed
"totheCouncil that part ofthefunds should "beused tomake building
loans available toCommunity officials .
On2March 1970 theCouncil took thefollowing decision :
••The sums entered intheECSC balance sheet under "Pension Fund ",now
managed bytheCommission ,shall beused bytheCommission asfollows :
» '♦
(a)upto40%shall bemade available asbuilding loans toofficial ?of
theCommunities aspart ofahousing policy ;
(b)upto60$shall beused tocover retraining commitments under ,
Article 56oftheECSC Treaty andtogrant loans atreduced rates
ofinterest forthepurposes ofthesocial andeconomic objectives
oftheECSC Treaty inaccordance with theterms ofthefinancial
/
operations provided for .therein# " 1
B. _Si_ze_of ECJ>C_Pension Pund
At30June 1968 theassets ofthePension Fund totalled 25509351u.a.
viz .:
■4
contributions from officials 6540872u.a .
contributions from theinstitutions 18364022u.a .
interest ' 604457u.a.
Between 1974 and1976 thePension Fund wasaugmented byacontribution of
7000000u.a .from «thenewMember States under Protocol No24tothe
Aooession Treaty (12.1# oftheir total contributions of57713000u.a.)
andin1981by48400u.a .(fromGreece ,being 12.1# ofitstotal contribution
of400000u.a.).

-4
C.Loansty_EGSCHi-£h_Authorltjy
Following adecisiontakenbytheHighAuthority on18December 19&3,part
ofthePension Fund'sassetswereusedtotopuploansmadetoofficials
coveredbytheECSCStaffRegulations fortheconstruction ,purchase or
conversion ofadwelling.
Thisdecision allowedupto10>ofthePension Fund'sasBetstobeused
forthispurpose.TheHighAuthority grantedloanstotalling
2541970u.a.to225officials ataninterestrateof3.505&.
2.Newimplementing provisions from17June1971
Following theCouncilDecision of2March1970authorizing theCommission
touse4056oftheECSCPensionFundforloanstoofficials ,theCommission ,
afterconsulting theCouncil,adoptedimplementing provisions .
Thebasicprinciple wasthatthefundsshouldbe"revolving ",thatisto
saythatloansshouldbemadeavailable notonlyfromtheinitial sum
(40%ofthePensionFund)butalsothroughtheimmediateredistribution
ofsumsrepaidmonthlybyborrowers (capitalplusinterest).
»
Theinterestratewasfixedat4Thiscanonlybechangedwiththe
agreement oftheCouncil. . -
4
Theloansareguaranteed by:
1
deathandinvalidity insurance ;
assignment ofsalaryorretirement pension ;
assignment ofseverance grant;
prohibition ofanymortgage withouttheCommission 'spriorwritten
consent ;
limitation ofthefinanoial commitment enteredintobytheborrower.

-S-
TheCommission undertook togrant atotal ofnotless than Bfrs 50000000
inloans each year . ■'«
Because alarge number ofloan applications could notbesatisfied in1971
and1972 ,theCommission decided toincrease thesocial emphasis ofits
lending policy byintroducing priority criteria reflecting thefinancial
situation andfamily responsibilities ofapplicants .. •
Since then theCommission hasbeen able togrant anumber ofloans each
year .Thenumber ofloans should beincreasing intheory butinpractice
expansion isbeing slowed down bytheimpact ;ofincreases inthecost of
living .
,There isalso aconsiderable disparity between the -funds available and
thenumber ofofficials employed bytheinstitutions . •' '
3. Loans from budget appropriations
This iswhytheCommission asked theCouncil again andagain from 1973
onwards tomake funds available under thebudget .»TheCouncil steadfastly
refused . . t
In1976 ,however ,Parliament authorized theinsertion ofaOne-naff
appropriation of 1000000u.a.inChapter 14-Receipts (capital
repayments plus interest )were tobeentered under Chapter 99(Other
revenue )andso,unlike theECSC Pension Fund assets ,donotconstitute
arevolving fund .
These budgetary funds were used tothefull in1976 ,enabling 67loans ,
totalling Bfrs49999994 1tobegranted . ■'
Reoeipts (capital repayments plus interest )areentered inChapter 99each
year .Theamount outstanding at31Deoember 1981 wasBfrs 38192876 .

~ζ-
'»
II.WORK OFTHE LOANS COMMITTEE •
TheLoans Committee wasestablished layCommission decision on19May 1971
andbecame operational when theimplementing provisions adopted bythe
Commission came into force on18June 1971 *
Itisafully representative body ,half itsmembers being appointed by
theinstitutions andhalf bythevarious Staff Committees ,,
After arunning-in period in1971 »i"tbegan tovetloan applications as
these were submitted .This exercise revealed that some oftheimplementing
provisions were open tointerpretation .
'■ }
TheLegal Service wasconsulted andsome provisions were amended to
facilitate their application .\ i>*■- >
Before long theCommittee became aware oftheneed toapply priority
■f*criteria reflecting thefamily responsibilities andfinancial situation
ofapplicants .
1tl*f"Pfy
Three systems foridentifying applicants with thestrongest social claims ,
toassistance were devised . ' i,
1 ••■f s*1," .*;*•
w-4 ■• .,J»lf
1\
, '.'Jl .. ■■-,
Thelatest ,which hasbeen operating since 1976 ,isthemost selective
and takes into consideration :
't(a)thelocation oftheproperty tobefinanced ; A'•4*.
(b)theapplicant 'sageandfamily responsibilities ; ''!,
(c)theapplicants financial situation .
!
,T)>eCommittee held four ordinary meetings in1981 andconsidered more than
350applications .
■! .
Onthebasis ofthepriority criteria ,itapproved 111applications and
rejected 3.
Ir-N
,l'1
:t

III.UTILIZATION OFFUNDSIN1980
A.freneraiadministration
In1981 Since 1August1971
(a)Applications lodged HO 2944
00Loaimgranted .111• 1894
(c)ëLoansrefused 3 80
(«0Applications withdrawn- 719
(·)Applications pending26 248
B.Financial administration
•
(a)Receip.tBBfrs114390244
Loansredeemed Bfrs59617180
Interest Bfrs36365736
Repayments (death,
invalidity ,etc.) Bfrs18407328
00Loans¿rantedt
Bfrs117710219
(0)Outlookfor1ß3l•
Receipts areestimated atBfrs120000000}thisshouldmakeit
possible to£jrantabout120loans.
(d>Itwillberemembered that67loansweregrantedfrombudget
appropriations (Article145)in1976.Thetotalsuminvolved was
Bfrs49999994. '
0
I
(a)ReceiptsenteredunderArticle990ofthe1981budgetcameto
Bfrs2051250forredemptions ,Bfrs1577290forinterestand
Bfrs516887advancerepayments .
(f)Thecapitalsumoutstanding at31December 1981wasBfrs38192876.

IV.CONCLUSIONS
1.Newapplications in1981 totalled 140 .
t
2.During theyear 111loans ,totalling Bfrs 117710219,were granted ,
3.Theobligation imposed bythe Council todistribute aminimum of
Bfrs 50000000 ayear wastherefore respected .
4.On31December 1981 251applications were pending .
5.TheCeilings setinJune 1971havebeenraised asfollows over theye^rs
inline with increases intheBelgian retail price index :
On17June 1971 ï Bfrs 600 000 +Bfrs 50000 per child
On 1May 1972 : Bfrs 630 000 +Bfrs 52500 per child
On 1Deoember 1972 : Bfrs 660 000 +Bfrs 55000 per child
On24January 1974s Bfrs 693 000 +Bfrs 57750 per child
On 1April 19741 Bfrs 727650+Bfrs 60638 per child
OA 1August 1974 : Bfrs 764 033 +Bfrs 63670 per child
On 1January 1975 s Bfrs 802 235+Bfrs 66854 per child
On 1July 1975 » Bfrs 842 347+Bfrs 70197 per child
On 1January 1976 : Bfrs 884464+Bfrs 73707 pèr child
On 1Ootober 1976 : Bfrs 928687+Bfrs 77392 per child
On 1July 1977 : Bfrs 975 121 +Bfrs 81262 per child
On 1Ootober 1978 : Bfrs 1023877+Bfrs 85325 per child
On 1November 1979 » Bfrs 1075 071 +Bfrs 89591 per child
On 1August 198O : Bfrs 1128825+Bfrs 94071 per child
On 1April 1981 : Bfrs 1I85 266+Bfrs 98775 per child
Ceilings have been raised bynomore than 97.541°although theABEX index
ofbuilding oosts shows onincrease of172.2 6$between 1November 1971
and 1November 1981 .

Table 1.
Loanapplications since1August1971
1/8/71to
31/7/73
(24months)1/8/73to
31/7/74
(12months)1/8/74to
31/7/75
(12months)1/8/75to
31/12/76
(18montke)1/1/77to
31/12/77
(12months)1/1/78to
31/12/78
(12months)1/1/79to
31/12/79
(12months)1/1/80to
31/12/80
(12months)I/1/81to
31/12/81
(12months)
(a)Applications received 1400 184 140 341 294 143 146 156 I40
(b)Applications withdrawn
•rcancelled 82 30 90 66 41 234 87 65 24
(o)Loansrefused 28 1 15 6 13 6 4 4 3
(d)Leansgranted* 867 94«
85 271 198 90 116 106<
111
(e)Cumulative totalof
applications pending
atendofeaohperiod423 482 432 392 452 278 216 244 248
*Numberofofficials
involved (someloanswere
paidintwoinstalments )777 87 74 265 194 84 106 98 106

Table 2.
Sumslentsince1August1971
Bfrs
1/8/71to
31/7/73
(24months)1/8/73to
31/7/74
(l2months)1/8/74to
31/7/75
(12months)1/8/75to
31/12/76
(l8months)1/1/77to
31/12/77
(12months)1/1/78to
31/12/78
(12months)1/1/79to
31/12/79
(12months)1/1/80to
31/12/80
(12months)1/1/81to
31/12/81
(12months)
(a)Fundsavailable
at'begiiining of
period423.413.579 17.919.192 2.506.741- 80.606.384- - - -
(b)Contribution from
newMemberStates- 140.000.000 - - - - 2.000.000
(c)Receiptsfor
period
.Redemptions
.Interest
.Repayments30.010.659
20.956.710
3.072.11325.836.629
20.182.875
7.573.75828.099.072
21.519.199
3.865.56858.647.723
33.315.305
10.621.40339.056.028
28.157.758
7.406.09444.918.978
31.657.326
16.491.29451.001.079
33.077.957
18.097.94456.274.293
35.029.625
12.953.24859.617.180
36.365.736
18.407.328
(d)Loansgranted
duringperiod459.533.869 69.005.713 58.848.772 159.119.855 172.511.828 88.771.261 106.869.665 105.985.500 117.710.219
^otei40$ofEGSCPensionFund(Bfrs$10187020)plusinterest197^/71(Bfrs7104737)less"balancedueon
ECSCloans(Bfrs93878178).

Table 3.
Officials grantedloanssince1August1971
1.Breakdown bycategory andgrade
1/8/71to 1/8/73to 1/8/74to 1/8/75to 1/1/77to1/1/78to1/1/79to1/1/80to1/1/81to
31/7/73 31/7/74 31/12/7531/12/7631/12/7731/12/7831/12/7931/12/8031/12/81
(24months)(12months)(12months)(l8months ](12months' (12months ](12months ](12months(12months)
A1 2_ _ – – -
A2 12- - - - - - - –
A3 32- - - - - - - –
A4 64- 1- - - - – –
A5 125 2 15 4- - - 1 1
A6 70 5 10 10 3 - 1 1-
A7 19 4 2 5 1- 1- 1
A8 1– – – – – *
TOTAL A 325 11 28 19 4- 2 2 2
Β1 40 4 2 12 7 1 1«.
Β2 65 4 5 23 11 6 8 5 9
Β3 69 14 9 37 18 9 13 13 7
Β4 40 10 7 13 12 6 3 5 6
Β5 15 6 3 8 7 1 2 1 1
TOTAL Β 229 38 26 93 55 22 27 25 23
C1 46 3 7 22 14 9 10 9 12
C2 75 15 5 63 49 19 28 19 17
C3 56 12 6 38 28 13 18 29 21
C4 11 1 - 9 12 2 5 3 9
C5 2 - - 3– 3 1 1 •
TOTAL C 190 31 18 135 103 46 62 61 59
D1 22 5 1 9 7 2 7 4 12
02 11 1 1 8 15 8 6 5 8
D3 – 1– 1 10 6 2 1 2
TOTAL D 33 7 2 18 32 16 15 10 22
TOTALS 777 87 74 265 194 84 106 98 106

Table 4.
Officials granted loans since 1August 1971
2.Breakdown bynationality
1/8/71to 1/8/73to 1/8/74to 1/8/75to 1/1/77to 1/1/78to 1/1/79to 1/1/80to 1/1/81to
31/7/73 31/7/74 31/7/75 31/12/76 31/12/77 31/12/78 31/12/79 31/12/80 31/12/81
(24months )(12months )(12months )(l8months )(12months )(12months )(l2months )(12months )(12months )
BELGIQUE 147 24 21 79 59 20 25 15 29
DENMARK - - - - - 2 1 2 1
DEUTSCHLAND 199 16 12 46 28 15 15 15 11
FRANCE 127 21 9 42 27 12 11 15 15
IRELAND - - - -1 1- 5 1
ITALIA 208 14 28 66 64 29 38 30 37
LUXEMBOURG 28 5 1 5 2 - 5 4 4
NEDERLAND 65 7 3 25 7 5 4 5 5
UNITED KINGDOM 3 - - 2 5 - 6 6 2
OTHERS - - - -1 - - 1 1
TOTALS 777 87 74 265 194 84 106 98 106
3.Ba'eakdown byinstitution
COMMISSION 678 78 66 231 145 60 75 81 77
PARLIAMENT 35 3 4 10 5 4 4 5 8
COUNCIL 38 5 4 16 35 15 22 9 16
COURT OPJUSTICE 12 1 - 3 3 2 1 1 3
COURT OPAUDITORS 4 - - - - 2 – _
ECONOMIC AND SOCIAL 10 5 6 1 4 2 2COMMITTEE
TOTALS 777 87 74 265 194 84 106 98 106

Table 5.
Properties forwhichloansgrantedsince1August1971
1.Breakdown bylocation
1/8/71to1/8/73to 1/8/74to1/8/75to1/1/77to1/1/78to1/1/79to1/1/80to1/1/81to
31/7/73 31/7/74 31/7/7531/12/7631/12/7731/12/7831/12/7931/12/8031/12/81
(24months)(l2months)(12months)(l8months)(12months)(12months)(12months)(12months)'12months)
BELGIQUE 401 48 42 184 152 54 69 66 75
DENMARK - - - - - - 1- 1
DEUTSCHLAND 24 - - 8 2 - 2 3 -
FRANCE 55 5 3 10 3 1 4 3 4
IRELAND - - - - - - - 1-
ITALIA 165 14 17 31 17 17 14 10 10
LUXEMBOURG 109 15 11 25 15 11 14 14 15
NEDERLAND 20 4 1 7 2 1 - - 1
UNITED KINGDOM 3 - - - - - 2. 1 -
OTHERS - 1 - - 1 - - - -
TOTALS 777 87 74 265 194 84 106 98 106
2.Breakcownbyloca"ioninrelationtoborrower
PIACEOFEMPLOYMENT 667 85 66 240 188 83 93 96 97
PLAGEOPORIGIN 75 2 7 25 6 1 13 2 9
ELSEWHERE 35 - 1- - - - - -
TOTALS 777 87 74 265 194 84 106 98 106

IX/A/6-BUILDING LOANS
SITUATION AT31DECEMBER I98l
GRADE STAFF APPLICATIONSSUCCESSFUL APPLICANTS BYNUMBER OF RATIO
NosIIKPKNDKWTS AHDKFINKD INTHESTAFFAPPLICA-LOANSAr"LIT
WITH- REGULATIONS ÍEXCL SPOUSE) PENDING AS
13 3DRAWNrttVJE.UT£UJ
5TIONS/
STAFFNosGRANTED/
APPLICA-DOSSIER DOSSIERTOTALΊοOFAPPL.
RECEIVED
1 TOTTIONSINCOM-COMPLETE2 012b 67TOTAL PLETEREI·OTHER
A1 40 6-4 - - _ _ _ 1 1 2
2 175 26 9213 141411- - 12 2 2
3 566 95 429514 4213725- - 33 - 6 _6
4 1.354 180 93 538452014162-3 64 -132 1551.657 284 102 7310171354421841 -149-185 23
61.050 167 504151413312894- - 99 -112 137 792 57 17 1 -152141111- - 34 5 -58 1 1 - - - - -- 1 - - -- - 1 - _ -
TOTAL A5.635 816317281341453913410648172339414,48X48,28X-559 647,84X
Β1 676 114 2542610102511911 _ 67 142 162 900 209 48369281753308 -2 -138 -122 143 901258.4931434298427103- -187 -18 - 184 657 157 364 -41218501771- -104 111 1 13
5 273 58 91 -110121165 -- - 44 31 4
TOTAL Β3.407 796 1671592494862239139 53 -54023,36Χ67,83X1586 658,16X
C11.220 179 22314602828114_ _ –131 _1210 22
22.100 417 77 23587936933441 -290 3411 4531.795 300 55224576464235 -2 -217 1194 244 601 76 102 -27102782 -- - 54 82 105 201 16 2 - --224 -2 -- - 10 - 31 4
TOTAL C5.917 988 166 9615213197192751743 -70216,69 %71,05X 17628 10510,62X
D1 389 79 4 - - -131625114 _ _ 69 1 32 62 378 77 7 - --6162785 -1 - 63 - 43 73 284 32 5 - -- 15114-2- - 23 - 31 44 10• - - - - - - - - - -- - - - - - _
TOTAL D1.061 188 16 - --20376323921 -15517,71Χ82,44X1106 179,04X
GRAND 16.020 2.788 66652288037235961229511328931.79117,40Χ64,23X319949 251 9X
TOTAL
–j248
Col.5:1snotadmissible (doesnotcomplywithrules).
2=rejectedforsocialreasons.HEL«Repayment ofloan.