ARCHIVESHISTORIQUES
DELACOMMISSION
COLLECTION RELIEEDES
DOCUMENTS "COM"
COM(81)295
Vol.1981/0096

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COMMISSION OFTHEEUROPEAN COMMUNITIES
COM(81)295 final
Brussels/17thJune1981
REPORT FROMTHECOMMISSION TOTHECOUNCIL
ontheutilization ofsumsavailable forgranting building
loanstoofficials oftheEuropean Communities overtheperiod
1Januaryto31December 1980
-,/._
t S: "1
- '
tø.c£:k
C0M<81)295final

REPORT .TOTHECOUNCIL ONTHEUTILIZATION OPSUMSAVAILABLE
FORGRANTING BUILDING LOANSTOOFFICIALS OFTHE
EUROPEAN COMMUNITIES OVERTHEPERIOD 1JANUARY
TO31DECEMBER 1980
INTRODUCTION
ThisistheeighthreportdrawnupbytheCommissions Itcoversthe
periodfrom1Januaryto31December 1980andisinfivepartss
I.Background
II.WorkoftheLoansCommittee
III.Utilization offundsin1980
IV.Conclusions
V.Changesinceilings
Attached tothereportaretablesshowingthenumber
thenumberofofficials involved andthelocation of
financed ineachreporting period.ofloansgranted
theproperties

I.BACKOHOUND
ThefundsdrawnonbytheCommission tomakebuilding loansavailable to
Community officials comefromtheoldECSCPension Fund.
1.ECSCPension Fund
A»0rigln_and_d e_ve_lopment
TheECSCPension Fundwassetupon1July195°undertheECSCStaff
Regulations drawnupbytheCommittee ofPresidents on28January 1956
(theseremainedinforceuntil31December 1961)andageneralCommunity
regulation .
ThisPension Fundbelonged totheECSC.Itwasmanaged bytheHigh
Authority untiltheMergerTreatycameintoforceandthereafter by
thesingleCommission .
Ownership oftheFundwasnotaffected bythenewStaffRegulations which
appliedfrom1January 1962to4March1968orbytheMergerTreaty,
Article 24ofwhich,however,required theCounciltoprepareacommon
setofStaffRegulations .
ThesewereadoptedbytheCouncilon29February 1968(Regulation No259/68)
andcameintoforceon5March1968.
Fromthatdateofficials *pensions becamepartofthebudget.Contributions
arenowenteredasarevenueiteminthegeneralbudgetandpayments as
expenditure .
Article 83ofthenewStaffRegulations includes thefollowing special
provisions :
"Theemployment ofthefundsfortheformerpension schemereferred toin
Article83(1)oftheformerStaffRegulations oftheEuropean Coaland
SteelCommunity shallbedecideduponbytheCouncilactingbyaqualified
majority onaproposal fromtheCommission afterconsulting theStaff
Regulations Committee ."

Aftefeefteul^tnf tft§S'Sa.ffRegulations Committee theCommission proposed
totheCouncilthatpartofthefundsshouldbeusedtomakebuilding
loansavailable toCommunity officials .
On2March1970theCounciltookthefollowing decision :
"ThesumsenteredintheECSCbalancesheetunder"Pension Fund",now
managedbytheCommission ,shallbeusedbytheCommission asfollows:
(a)upto40ioshallbemadeavailable asbuildingloanstoofficials of
theCommunities aspartofahousingpolicy; v
(b)upto60$shallbeusedtocoverretraining commitments under.
Article 56oftheECSCTreatyandtograntloansatreducedrates
ofinterest forthepurposes ofthesocialandeconomic objectives
oftheECSCTreatyinaccordance withthetermsofthefinancial -
operations provided fortherein."
B«',Size_ofEC^C^P£n£i£n_Pund
At30Junei960theassetsofthePensionFundtotalled 25509351u.a.
viz.: -
contributions fromofficials 6540872u.a.
contributions fromtheinstitutions 18364022u.a.
interest 604457u.a.
Between 1974and1976thePensionFundwasaugmented byacontribution of
7000000u.a.fromthenewMemberStatesunderProtocol No24tothe
Accession Treaty(12.1$oftheirtotalcontributions of57713000u.a.).

-4-
C.Loansbj^ECSCHi£h_Authoriiy
Following adecision takenbytheHighAuthority on18December 19^3fpart
ofthePension Fund'sassetswereusedtotopuploansmadetoofficials
coveredbytheECSCStaffRegulations fortheconstruction ,purchase or
conversion ofadwelling .
Thisdecision allowedupto10JoofthePensionFund'sassetstobeused
forthispurpose.TheHighAuthority grantedloanstotalling
2541970u.a.to225officials ataninterest rateof3.5O70.
2.Newimplementing provisions from17June1971
Following theCouncilDecision of2March1970authorizing theCommission
touse40JooftheECSCPensionFundforloanstoofficials ,theCommission ,
afterconsulting theCouncil,adoptedimplementing provisions .
Thebasicprinciple wasthatthefundsshouldbe"revolving ",thatisto
saythatloansshouldbemadeavailable notonlyfromtheinitial sum
(40ioofthePensionFund)butalsothroughtheimmediate redistribution
ofsumsrepaidmonthlybyborrowers (capitalplusinterest).
Theinterestratewasfixedat4Jo,Thiscanonlybechangedwiththe
agreement oftheCouncil.
Theloansareguaranteed by:
deathandinvalidity insurance ;
assignment ofsalaryorretirement pension ;
assignment ofseverance grant;
prohibition ofanymortgage withouttheCommission 'spriorwritten
consent ;
limitation ofthefinancial commitment enteredintobytheborrower.

-5-
The Commission undertook togrant atotal ofnot lees than Bfrs 50000 000
inloans each year .
Because alarge number ofloan applications could notbesatisfied in1971
and 1972 ,theCommission decided toincrease thesocial emphasis ofits
lending policy byintroducing priority criteria reflecting thefinancial
situation andfamily responsibilities ofapplicants .
Since then the Commission 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 thefunds available and
thenumber ofofficials employed bytheinstitutions .
3.Loans from budget appropriations
This iswhy theCommission asked theCouncil again andagain from 1973
onwards tomake funds available under thebudget .The Council steadfastly
refused . -
In1976 ,however ,Parliament authorized theinsertion ofaone-off
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 .
i
These budgetary funds were used tothefull in197° ,enabling 67loans ,
totalling Bfrs 49999994 »tobegranted .
Receipts (capital repayments plus interest )areentered inChapter 99each
year .Theamount outstanding at31December 1980 wasBfrs 40762 103»

II.WORKOPTHELOANSCOMMITTEE
TheLoansCommittee wasestablished byCommission decision on19May1971
andbecameoperational whentheimplementing provisions adopted bythe
Commission cameintoforceon18June197^•
Itisafullyrepresentative body,halfitsmembersbeingappointed by
theinstitutions andhalfbythevariousStaffCommittees .
Afterarunning^-in periodin1971»itbegantovetloanapplications as
theseweresubmitted .Thisexercise revealed thatsomeoftheimplementing
provisions wereopentointerpretation .
TheLegalService wasconsulted andsomeprovisions wereamendedto
facilitate theirapplication . »
BeforelongtheCommittee becameawareoftheneedtoapplypriority
criteria reflecting thefamilyresponsibilities andfinancial situation
ofapplicants .
Threesystemsforidentifying applicants withthestrongest socialclaims .
toassistance weredevised.
Thelatest,whichhasbeenoperating since1976,isthemostselective
andtakesintoconsideration :
(a)thelocationofthepropertytobefinanced ;
(b)theapplicant'sageandfamilyresponsibilities ;
(c)theapplicant'sfinancial situation .
TheCommittee heldfourordinary meetingsin1980andconsidered morethan
250applications .
Onthebasisoftheprioritycriteria ,itapproved 106applications and
rejected 4«

-7-
III .UTILISATION OFHJNDB IN19BQ
A. General administration
InI98O Since 1August 1971
(a)Applications lodged 156 2804
00 Loans granted 106 1788 '
(c)Loans refused 4 77
U)Applications withdrawn -- 695
(β)Applications pending 46 244
Β. Financial administration ■_t
(a)>
iteceiptsBfrs 1C4257 166
Loans redeemed Bfrs 56274293
Interest Bfrs 35Ο29625
Repayments (death ,
invalidity ,etc. ) Bfrs 12953248
-
00 Loans granted Bfrs 105985500
(c)Outlook for1?81
Receipts areestimated atBfrs 115000000 ;this should make it
possible togrant about 115loans .
(d)Itwill beremembered that 67loans were granted from budget
appropriations (Article 145)in1976# Thetotal suminvolved was'
Bfrs 49999994. ,
(e)Receipts entered under Article 990ofthe1980 budget came to
Bfrs 2015982forredemptions andBfrs 1674473forinterest .
(f)Thecapital sumoutstanding at31December 1980 wasBfrs 40762103«

IV,CONCLUSIONS
1.Newapplications in1980 totalled 156•
2.Daring theyear 106loans ,totalling Bfrs 105985500,were granted .
3.Theobligation imposed "bythe Council todistribute aminimum of
Bfrs 50000 000 ayear was therefore respected .
4.On31December 1980 244applications were pending .
V. CHANGES INCEILINGS
Theceilings setinJune 1971 have been raised asfollows over theyears
inline with increases intheBelgian retail price index :
On17'June 1971î Bfrs 600 000 +Bfrs 50000 per child
On 1May 1972 : Bfrs 630 000 +Bfrs 52500 per child
On 1December 1972 : Bfrs 660 000 +Bfrs 55000 per child
On24January 197^: Bfrs 693 000 +Bfrs 57750 per child
On 1April 1974 : Bfrs 72765O +Bfrs 60638 per child
On 1August 1974 : Bfrs 764 033 +Bfrs 63670 per child
On 1January 1975 : Bfrs 802 235 +Bfrs 66854 per child
On 1July 1975 : Bfrs 842 347 +Bfrs 70197 per child
On 1January 1976 : Bfrs 884464 +Bfrs 73707 per child
On 1October 1976 : Bfrs 928 687 +Bfrs 77392 per child
On 1July 1977 : Bfrs 975 121 +
ΝBfrs 81262 per child
On 1October 1978 : Bfrs 1023 877 +Bfrs 85325 per child
On 1November 1979 s Bfrs 1075 071 +Bfrs 89591 per child
On 1August 198O : Bfrs 1128825 +Bfrs 94071 per child
Ceilings have been raised bynomore than 83*13% although theABEX index
ofbuilding costs shows anincrease of172.26$ between 1November 1971
and 1November 1980 .

Table 1
Loan applications since 1August 1971
J1/8/71to
31/7/73
(24months )1/8/73to
31/7/74
(l2months )1/8/74to
31/7/75
(l2months )1/8/75to
31/12/76
(l8months )1/1/77to
31/12/77
(l2months )1/1/78to
31/12/78
(l2months )1/1/79to
31/12/79
(l2months )1/1/80to
31/12/80
(l2months )
(a)Applications received 1400 184 140 341 294
t143 . 146 156'
(t>)Applications withdrawn
orcancelled 82 30 90 66 41 234 ,87 65
>
(c)Loans refused 28 1 15 6 13 6 4 4
(d)Loans granted * 867 94 85 271 198 90 116 106
(è)Cumulative total of
applications pending at
end ofeach period423 482 . 432 392 452 278 216 244
^Number ofofficials involved
(some loans were paid in
twoinstalments ) 777 '87 74/
265 194 84 106' 98

Table2
3EStunslentsince1August1971
Bfrs
1/8/71to
31/7/73
(24months)1/8/73to
31/7/74
(l2months)1/8/74to
31/7/75
(l2months)1/8/75to
31/12/76
(l8months)1/1/77to
31/12/77
(l2months)1/1/78to
31/12/78
(l2months)1/1/79to
.31/12/79
(l2months)1/Ί/80to
31/12/80
(l2months)
Pundsavailable
atbeginning of
period423413579 17919192 2506741 - 80606384 -
*-
Contribution from
newMemberStates - - - 140000000 - - - ·*
Receipts for
period-
•Redemptions
•Interest
•Repayments'30010659
20956710
307211325836629
20182875
757375828099072
21519199
386556858647723
33315305
1062140339056028
28157758
740609444918978
31657326
1649129451001079
33077957
1809794456274293
35029625
12953248
Loansgranted
duringperiod 4595338696900571358848772159119855 ,172511828 88771261106869665105985500
ifote:jOfoofECSCPensionFund(Bfrs510187020)plusinterest1970/71(Bfrs7104737)lessbalancedueonECSCloans(Bfrs93878178. •

Table .3.
'Officials granted loans since 1August 1971
1«Breakdown bycategory andgrade
.1/8/71to 1/8/73to 1/8/74 to 1/8/75to 1/1/77to 1/1/78to 1/1/79to W1/80to
31/7/73 31/7/74 31/7/75 31/12/76 31/12/77 31/12/73 31/12/79 .31/12/80
(24months )(12months )(12months )(l8months )(12months );(12month ^(12months )(12months )
1
I
■ A1 2_ • _ _
A2 12- -, - - - - - -
A3 32- - .- - - -
»A4 64- 1- - ■' - - ■»
Κ5.125 2 15 4 - - - 1
A6 ι 70 5 10 10' 3- 1 1
A7 19 4 2 5 1 - 1-
A8 1- • - -· ·· •
'TOTAL A 325 11 28 .19-4■--2 2
θ1 40 4- 2 12- 1 1
82 65 4 5 23 11 6 8 5
Β3 69 14 9 37 . 18 9 13 · 13
ΒΑ 40 10 7 17 12 6 3 5
ΒS 15 16,3 8·' 1 2 1
-
- TOTAL e 229 38 26 93 55 a 27 25
C1 46 3 'f22 14 9 10 9
C2 75 15 5 Λ" -9 19 28 19
î :3 56 ■ 12 6 36 2317 18 29
c■<. 11 1 - · 9 12 2 S 3
!CS , 2 " " 3■ - '3 1 1
! TOTAL C 190 31 ■ 18 135 103 .46 62 61
01 . 22 5 1 9 7 2 7 4
02 11 1 1 3 15 .8 6 '5
ιD3 - 1- 1 10 6 2 1
/TOTAL D 33 7 2 18 32 ! 16 15 10
TOTALS ??■» »7 I■■ 1265 ¡1 1
98

Tabte 4.
Officials granted loans since 1August 1971
2.Breakdown bynationality
■V* '
, \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
(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
f12months )
BELGIQUE 147 24 21 79 59 20 . 25 15
DENMARK , -\.- - 2 1 2
DEUTSCHLAND 199 16 12 46 28 .15 ..■ 15' 15
FRANCE 127 21 9 42 27 . 12 11 15
IRELAND - - - «* 1 1- 5
ITALIA 208 14 28 66 64 29 38 30
LUXEMBOURG 28 5 1 5 2■- 5 4
NEDERLAND 65 7 3 25 7 , 5V 5
UNITED KINGDOM 3
*mm2 5
1*■ 6 6
1
TOTALS 777 87 74 265 194 84 106 98
COMMISSION 6783· Breakc
78lown byinst
66itution
231 . 145 60 75 81
PARLIAMENT 35 3 '4 10 5 4 4 5
COUNCIL 38 5 4 16 35 15 22 9
COURT OFJUSTICE 12 1 - 3 3 2V1 1
COURT OFAUDITORS 4 - -. ■- ■ - 2em -
ECONOMIC AND SOCIAL
COMMITTEE•10
.,– 5 6 1 4 2
TOTALS 777
ί87 74 265 194 84 106 98

Table 5.
Properties forwhich loans granted since 1August ,1971
1.Breakdown bylocation
1/8/71to 1/8/73to 1/8/74to 1/8/75to 1/1/77to.1/1/78to 1/1/79to 1/1/80to
31/7/73 31/7/74 · 31/7/75 31/12/76 31/12/77 31/12/73' 31/12/79 31/12/80 «
(24months )(12months )(12months )(l8months )(12months )(12months )(12months)· (12months )
I
BELGIQUE 401 '48 42 184 152 54 69 66
•DENMARK - - -■·· -.- 1»-
DEUTSCHLAND 24 - - 8 2 2 3
FRANCE 55 5 3 .10 · 3 1 4 3
IRELAND - '' - - - ' -!'- 1
ITALIA 165 14 17 31 17 17 14 10
LUXEMBOURG 109 15 11 25 15 11 14 14
NEDERLAND 20 4 1 7 2 1- -
UNITED KINGDOM 3'J" ■- - ■ - ■2' 1
OTHERS- 1-. 1 - - -
TOTALS 777 87
' -74 265 19/ .S4 10Ó 98
2.Break down bylocal ¡¡ion inrela tion toborr ower
PLACE OFEMPLOYMENT 667 85 66 24,G . 133 , 83 93 96
PLACE OFORIGIN 75 2 7 25 6 1 .13 2
ELSE'.ÍHERE' 35 - 1 - - - - -
..TOTALS 777 87 74 ' 2Ó5 194 84 106 98

IX/A/6-BUILDING LOANS SITUATION' ASAT'31PECEMBFR1980
GRAIE
1STAFF
Nos
2'APPLICATIONS SUCCESSFUL APPLICANTS BYNUMP2R RATIOAPPLICATIONS PENDINiAPPL.
PENDING
A3$OF
APPL.
F.ECETEDTFPLIC-
'.TIONS/
cTAFF
NosLOANS oyrιr>
3'ÌITH-
DR|WNF..EJECÏÎ.D
5UR ZLNJJ&XÌ'I'CÌ LLÏΊΉW
STAFFREGULATIONS (EXCL.SPOUSE) GEANTE Γ
APPLIC­
ATIONS/D03S
INCOM-JJUûC)JL.£K
COMPLETETOTAL
A1
2
3
4
5
6
7
8«0
175
566
1354
1657
1050
792
16.
25
95
177
284
166
56
•14
9
41
90
102
51
1612TOT0123k567TOTALPLETERÆLJCTHZI
1
9
5
7
4
1•1
5
3
3
12
14
8
10
5
11
4
4
17
14
54
2
5
13
13
21
13
20
54
31
14
14
7
14
42
28
101
1
2.
•16
17
9
11
5
2
4
4
11
132
12
33
64
148
99
33
11
1
1*2
6
13
18
10
5¿>
2
5
12
7
15-
24
11
6
TOTAL [5635 810 313·271340453913410547172339214.37y.48.51 X3.548 658.02X
Β1
2
3
4
5676
900
901
657
273114
202
254.
148
5625
49
47
33
104
3
2
42
6
16
9
3
410
27
34
12
910
17
28
17
1325
49
80
45
1111
29
25
17
69
5
10
6
41
3
11
267
129
180
98
432
1Ή
14
20i
32
1
2
416
15
24
13
3
TOTALI¡3407 774 164139229285;210883453-51722.71X66.92X3 599 719.17X
C1
2
3
4
51220
2100
1795
601
201157
390
276
6S
1418
71
53
7
23
2
2
21
3
24
5
4
252
82
51
6
226
88
60
8
227
63
57
24
410
32
22
54
3
5
2
241
1
_119
273
196
45
10*1
1
2-11
33
17
9
75
7
5
316
41
23
14
2
TOTALCF5917.J90S 1519615193184175}691642!-64315.29 V.70.82 X4 7220 9610.60X
D1
2
3
4389
378
284
1065
66
284
5
5 - -11
5
111
16
422
22
11'9
7
34
4
21
-57
55
2111
3
23
24
6
2
TOTALIj1061I159 14-i-1-117j315519821-13314.9SX84.64X1 65 127.54X
GRANDH60202648
TOTAL I i¿424928j77347,339Mil 574j281105288316851
16,52XJ63.63X11 191
»_42
3244 9.21X
col.5:1=notadmissible (doesnotcomplywithrules). *REL=-Repaymentof
2=rejectedforsocialreasons. earlierloan.