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COM (83) 594 
 
 
 
Vol. 1983/0 222 
  
 
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In accordance with Council Regulation (EEC, Euratom) No 354/83 of 1 February 1983 
concerning the openi ng to the public of the historical archives of the European Econom ic 
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amended by Regulation (EC, Euratom) No 1700/2003 of 22 September 2003 (OJ L 243, 
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file have been declassified in conformity with Article 5 of the aforementioned regulation.  
In Übereinstimmung mit der Verordnung (EWG, Euratom) Nr. 354/83 des Rates vom  1. 
Februar 198 3 über die Freigabe der historischen Archive der Europäischen  
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COMMISSION OF THE EUROPEAN COMMUNITIES
C O M (83) 594 final 
Brussels, 14 October 1983
R E P O R T  F R O M  T H E  C O M M IS S IO N  T O  T H E  C O U N C IL  
O N  T H E  UTILIZATION O F  S U M S  A V A IL A B L E  F O R  G R A N T IN G  B U ILD IN G  L O A N S  
T O  OFFICIALS O F  T H E  E U R O P E A N  C O M M U N IT IE S  O V E R  T H E  P E R IO D  
1  JA N U A R Y  T O  31 D E C E M B E R  1982
COM(83) 594 final

1 1
AMEX III
REPORT TO THE COUNCIL ON THE UTILIZATION OP SUMS AVAILABLE 
FOR GRANTING BUILDING LOANS TO OFFICIALS OP THE 
EUROPEAN COMMUNITIES OVER THE PERIOD 1 JANUARY 
TO 31 DECEMBER 1982
INTRODUCTORY NOTE
Thia is the tenth report drawn up "by the Commission. It covers the '  
period from 1 January to 31 Deoember 1982 and is in four partes
I.  Background
II. Work of the Loans Committee
III. Utilization of funds in 1982
IV. Conclusions
Attached to the report are tables showing; ths number of loans granted,  
the number of officials involved and the looation of the properties 
finanoed in each reporting period.

- 1 2  -
I. BAOXOROUKD
The funds drawn on by the Commission to make building loans available to
' * f
Community officials come from the.old ECSC Pension Fund*
1.  ECSC Pension Fund 
A. Or^gin_and_dev£l£pment
The ECSC Pension Fund was set up on 1 July 1956 under the ECSC Staff 
Regulations drawn up by the Committee of Presidents on 28 January 1956 
(these remained in force until 31 Deoember 1961) and a general Community 
regulation.
This Pension Fund belonged to the ECSC, It was managed by the High 
Authority until the Merger Treaty oame into force and thereafter by 
the single Commission,
Ownership of the Fund was not affected by the new Staff Regulations which 
applied from 1 January 1962 to 4 March 1968 or by the Morger Treaty,
Article 24 of which, however, required the Counoil to prepare a oommon
set of Staff Regulations,
These were adopted by the Council on 29 February 1968 (Regulation No 259/68) 
and came into foroe on 5 March 1968. •
From that date officials' pensions became part of the budget. Contributions 
are now entered as a revenue item in the general budget and payments as 
expenditure.
Article 83 of the new Staff Regulations includes the following special 
provisions:
"The employment of the funds for the former pension soheme referred to in 
Article 83(1) of the former Staff Regulations of the European Coal and 
Steel Community shall be deoided upon by the Council acting by a qualified 
majority on a proposal from the Commission after consulting the Staff 
Regulations Committee,"

-  13 -
Aft«r consulting the S t a f f  Regulations Oommittee the Commission proposed
to the Council that part of .the funds ahould be ueed to make building
* ' . <
loanB available to Community officials.
On 2 March 1970 the Counoil took the following decision:
’ •The sums entered in the ECSC balanoe eheet under ' ‘ Pension Fund", now 
managed by the Commission, Bhall be used by the Commission as follows:
(a) up to 40$ shall be made available .as building loans to officials of 
the Communities as part of a housing policy;
(b) up to 60^, shall be used to oover retraining commitments under 
Article 56 of the ECSC Treaty and to grant loans at rednoed rates 
of interest for the purposes of the sooial and economic objectives 
of the ECSC Treaty in accordance with the terms of the financial 
operations provided for.therein."
B. Size_of EC^C__P£n_ai£n_P\ind
At 30 June 1968 the assets of the Pension Fund totalled 25 509 351 u.a.,
viz :
contributions from officials 6 540 872 u.a.
contributions from the institutions 18 3^4 022 u.a,
interest 604 457 u.a.
The Pension Fund was augmented by a contribut ion of 7 000 000-u.a. between 1974 
and 1976 from the new M ember States under Protocol N o 24 to 'th e  Accession Treaty, 
and by a contribution of 188 000 E C U  in 1981 and 1962 from Greece.

- 1 4  -
C. Lojtn£ by_EC 80 iJl££_A^thority
Following a decision taken by the High Authority on 18 December 1963, part 
of the Pension Fund's assets were used to top up loans made to officials 
covered by the ECSC Staff Regulations, for'the construction, purchase or
conversion of a dwelling.
%
This decision allowed up tp IO 5 6 of the Pension Fund's assets to be used 
for this purpose. The High Authority granted loans totalling 
2 541 970 u.a. to 225 officials at an interest rate of
2. New implementing provisions from 17 June 1971
Following the Council Decision of 2 March'1970 authorizing the Commission 
to uue 40, ,u of the EC SC Pension Fund for loans to officials, the Commission, 
after consulting the Council, adopted implementing provisions.
The basic principle was that the funds should be "revolving", that is to 
say that loans should be made available not only from the initial sum 
(40$ of the Pension Fund) but also through the immediate redistribution 
of sums repaid monthly by borrowers (capital plus interest).
The interest rate was fixed at 4$» This can only be ohanged with the 
agreement of the Council on a proposal made by the Commission after consulting the Staff 
Regulations Committee; no such proposal has yet been put forward, and the Commission 
does not at the moment intend to present one.
The loans are guaranteed bys
death and invalidity insurance;
assignment of salary or retirement pension;
assignment of severance grant} '
prohibition of any mortgarge without.the Commission's prior written 
consent;
limitation of the finanoial commitment entered into by the borrower.

- 15 -
The Commission undertook to grant a total of not laaa than Bfra ^0 000 000 
in  loans each y e a r, and th is  commitment has always been honoured.
Because a large number of loan applications oould not be satisfied in 1971 
uni 1972|  the Commission decided to inorease the sooial emphasis of its 
landing policy by introducing priority criteria reflecting the financial 
situation arid family responsibilities of applicants.
Since then the Commission bas been able to grant a number of loane each 
year. The number of loans should be increasing in theory but in practice 
expansion is being Blowed down by the impaot of increases in the oost of 
living.
There is also a considerable disparity between the funds available and 
the number of officials employed by the institutions, which' means th a t i t  
is  im possible to  grant a l l  the  a p p lic a tio n s .
3.This is why the Commission asked the Counoil again and again from 1973 
onwards to make funds available under the budget. The Council steadfastly 
refused.
In 1976, however, Parliament authorised the insertion of a one-^>ff 
appropriation of 1  000 000 u.a. in Chapter 14. Reoeipts (oapital 
repayments plus interest) were to be entered under Chapter 81 (Other 
revenue) and eo, unlike the E5CSQ Pension Fund assets, do not constitute 
a revolving fund.
Theee budgetary funde were ueed to the full in 1976,  enabling 67 loans, 
totalling Bfro 49 999 994» to be granted.
Reoeipts (capital repayments plus interest) are entered in Chapter g l each 
year. The amount outstanding at 31 Dsoember 1<982· was Bfrs 36 108 234.

-16 -
II.WORK 0? THE LOANS COMMITTEE
The Loane Committee was established by Commission decision on .19 May 1971 
and became operational when the implementing provisions adopted by the 
Commiaeion^came into foroe on 18 June 1971«
It is a fully representative body, half its members being appointed by 
the institutions and half by the various Staff Committees,
After a running-in period in 1971» it began to vet loan applications as 
these were submitted. This exeroise revealed that some of the implementing
provisions were open to interpretation.
The Legal Service was consulted and some provisions were amended to
facilitate their application.
before long the Committee became aware of the need to apply priority 
criteria reflecting the family responsibilitiee and financial situation 
of applicants.
Three systems for identifying applicants with the strongest sooial claims 
to assistance.were devised.
The latest, which has been operating einoe 197^» i® the most selective 
and takes into consideration!
(a)the location of the property to be financed ;
00the applicant's age and family responsibilities;
00the applicant's financial situation.
The Committee held four ordinary meetings in 1982 and. considered more than
350 applications.
O n the basis o f the above c r i t e r i a ,  i t  approved 126 a p p lic a tio n s  and re je c te d  one'.

- 17 -
III.UTILIZATION OF FUNDS IN 1982
■  A.General administration
In 1982 Since 1 August 1971
(a) Applications lodged 167 3 111.
(b) Loono granted . 121 2·  015-
(c) LoanB refused 1 81
(d) Applications withdrawn - 788
(e) Applications pending , 45 227
B.Financial administration
(a)  Receipt^ •Bfrs 118 951 180
Loans redeemed Bfrs 63 758 153
Interest Bfrs 38 1.48 759
Repayments (death, 
invalidity, eto.) Bfrs 17 044 268
(b) Loans granted*Bfrs 123.616 000
(c)Outlook: for 1983
Roceipte are estimated at Bfrs 125 OOO QOOj this Bhould make it 
possible to grant about 120 loans.
(d)It will bo remembered that 67  loans were granted from budget 
appropriations (Artiole 14J>) in 197^· Th® total sum involved was
bfrs 49 999 994.
( · )Receipts entered under Article 812 of the 1982 budget came to 
Bfrs 2 085 726 for redemptions, Bfrs 1 489 833 for interest.
(OThe ospitai Bum outstanding at 31 Deoember 1982 was Bfrs 36 108 234.

I  U
IV.CONCLUSIONS
1.New applications in 1982 totalled 167.
2.During the year 121 loans, totalling Bfrs 123 616 000 were granted.
3.The obligation imposed by the Counoil to distribute a mininua of‘  
Bfrs 50 000 000 a year was therefore reepeoted.
4.On 31 Deoember 1982 227 applications were pending.
5.The oeilinga set in June 1971 have been raised as follows over the years 
in line with inoreases in the Belgian retail prioe index:
On 17 June 1971i Bfrs 600 000 + Bfrs 50 000 per child
On 1  May 19721 Bfre ;  630 000 + Bfrs 52 500 per ohild'
On 1  Deoember 1972 1 Bfre 660 000 + Bfrs 55 000 per ohild
On 24 January 1974 1 Bfre 693 000 + Bfrs 57 750 per child
On 1  April 1974 j Bfrs 727 650 + Bfrs 60 638 per ohild
On 1  August 1974l Bfre 7 64 033 + Bfrs 63 670 per child
On 1  January 19751 , ■  Bfrs 802 235 + Bfre 66 854 per child
On 1  July 1975* Bfrs ' 842 347 + Bfrs 70 197 per child
On 1  January 197^ * Bfrs '884 464 + Bfrs 73 707 p*r child
On 1  October 1976« Bfrs 928 687 + Bfrs 7? 392 per child
On 1  July 1977«' Bfre *  975 121 + Bfrs 81 262 per child
On 1  Qotober 1978« Bfrs '1 023 877 '+ Sirs 85 325 per child ,
On 1  November 1979« Bfrs.1 075 071 + Bfrs 89 591 par ohild
On 1  August 1980« Bfrs 1 128 825 + Bfrs 94 071 par ohild
On 1  April 1901« Bfrs 1 185 266·'+ Bfrs 98  T J 5 P«r ohilfl
O n 1  January 1982:B frs  7 244 .529 + B frs  103 714 per c h ild
O n 1  August 1982:l
B frs  .1  306 755 .+  B frs 108 900 per c h ild -
C e ilin g s  have been ra ise d  by no more than 117.79% although the ABEX index 
o f b u ild in g  costs shows an in c c e a s e 'o f 205.88% between 1  November 1971
and 1  November 1982.

Table 1
Loan applications since 1 August 1971
1/8/71 to  
31/7/73 
(24 months)1/8/73 to  
31/7/74 
(12 months)1/8/74 to  
31/7/75 
(12 monthd1/8/75 to 
31/12/76 
(18 months)1977 1978 1979 1980 1981 1982
(a) A p p lic a tio n s  
received 1400 184 140 341 294 143 146 156 140 167
(b) A p p lic a tio n s
withdrawn or cancel led 82 30 90 66 41 234 87 65 24 14
(c) Loans refused 28 1 15 6 13 6 4 4 3 1
"k
(d) Loans granted 867 94 85 271 198 90 116 106 111 121
(e) Cum ulative t o t a l 
o f a p p lic a tio n s  
pending at end of 
each p eriod423 482 432 392 452 278 216 244 248 225
Number o f o f f ic i a l s  
in vo lved  (some loans 
were paid in  two 
in sta lm e n ts)777 87 74 265 194 84 106 98 106 118

Table 2
i A rSums lent since 1 August 1971
1/8/71 to  1/8/73 to  
31/7/73 :  31/7/74 
(24 months)i(12 months)1/8/74 to  
31/7/75 
(12 months)1/8/75 to  
31/12/76 
'(18 months)1977 1978 1979 1980 1981 1982
(a) Funds a v a ila b le  , , ,
a t beginning o f 423 413 579 
p eriod!l7 919 192 2 506741
I,80 606 384 -
(b) C o n trib u tio n  from 
new Member Statesi
!
140 000 000 - - - 2 000 000 1 200 000
(c) Receipts fo r 
p eriod
. Redemptions 30 010 659 25 836, 629 28 099 072 58 647 723 39 056 028 44-918,978 51 001 079 56 274 293 59 617 180 63 758 153
. In te re s t 20 956.710 20 182 875 21 519 199 33.315 305 281 5 7  758 31.657 326 33 077 957 35 029 625 36 365 .736 38 148 759
. Repayments 3 072 113 7 573 758 3 865 568 10 621 403 7.406.094 16.491 294 18 097 944 12 953 248 18 407 328 17 044 268
(d) Loans granted 459 533 869 
d u rin g  p eriod69 005 713 58 848 772 159 119 855 172 511 ,828 88,771 261 106 869 665 105 985 500 117 710 219 123 616 000
*
Note: 40% o f ECSC Pension Fund (B frs  510 187 020) plus in te r e s t 1970/71 (B frs  7 104 737) 
less balance due on EC SC  loans (B frs  93 878 178).

T aiô L  e 3.
Officials granted loans, since 1 August 1971
1. Breakdown by category and grade
1/8/71 to 1/8/73 to 1/8/74 to 1/8/75 to
31/7/73 31/7/74 31/7/75 31/12/76 1977 1978 1.979 1980 1981 1982
(24 months (12 months (12 months) (18 months)
A  1  
A  22
12- - - - - - - - -
A  3 32- - - - - - - - -
A  4 64- 1- - - - - - -
A  5 125 2 15 4- - - 1 1-
A  6 70 5 10 10 3- 1 1 - 2
A  7 
A  819
14 2 5 1
-1
-1
-
TOTAL A 325 1 1 28 19 4 - 2 2 2 2
B  1 40 4 2 12 7 1 1 1
B  2 65 4 5 23 1 1 6 8 5 9 5
B  3 69 14 9 37 18 9 13 13 7 14
B  4 40 10 7 13 12 6 3 5 6 8
B  5 15 6 3 8 7 1 2 1 1 2
TOTAL B 229 38 26 93 55 22 27 25 23 30
C  1 46 3 7 22 14 9 10 9 12 13
C  2 75 15 5 63 49 19 28 19 17 21
C  3 56 12 6 38 28 13 18 29 21 15
C  4 11 1- 9 12 2 5 3 9 10
C  5 2- 3- 3 1 1 3
TOTAL C 190 31 18 135 103 46 62 61 59 62
D  1 22 5 1 9 7 2 7 4 12 8
D  2 1 1 1 1 8 15 8 6 5 8 1 1
D  3 - 1- 1 10 6 2 1 2
5
TOTAL D 33 7 - 2 18 32 16 15 10 22
34J
TOTALS 777 87 74 265 194 84 106 98 106

Table 4.
Officials granted loans since 1 August 1971
2. Breakdown by ..n a tio n a lity
*1/8/71 to  
31/7/73 
(24 months)1/8/73 to  
31/7/74 
(12 months)1/8/74 to 
31/7/75 
(12 months:1/8/75 to  
31/12/76 
(18 months)1977 1978 1979 1980 1981 1982
BELGIUM
D E N M A R K
G ER M AN Y
I  FR AN C E
I
j IRELAND 
j  ITALY 
I  LUXEM BO URG  
|  NETHERLANDS
I
I  UNITED KINGDOMI
I  OTHERS147
199
127
208
28
65
324
16
2 1
14
5
72 1
12
9
28
1
379
46
42
66
5
25
259
28
27
1
64
2
7
5
120
2
15
12
1
29
525
1
15
1 1
38
5  
4
615
2
15
15
5
30
4
5
6 
129
1
1 1
15
1
37
4
5  
2  
131
2
14
17
2
43
3
2
3
1
I---------------------------------------- -
.  T
OTALS 777 87 74 265 194 84 106 98 106 118
3. Brea kdown by in s t it u t io r
COMMISSION
PARLIAMENT
COUNCIL
C O U R T O F  JUSTICE
CO URT O F AUDITORS
ECONOMIC AN D  SOCIAL 
COMMITTEE678
35
38
12
4
1078
3
5
166
4
4231
10
16
3
5145
5
35
3
660
4
15
2
2
175
4
22
1
481
5
9
1
277
8
16
3
284
11
17
1
1
4
TOTALS 777 87 74 265 194 84 106 98 106 118

Table 5.
Properties for which loans granted since 1 August 1971
1. Breakdown by lo c a tio n
1/8/71 to 1/8/73 to 1/8/74 to 1/8/75 to
31/7/73 31/7/74 31/7/75 31/12/76 1977 1978 1979 1980 1981 1982
(24 months) (12 months) (12 months) (18 months)
BELGIUM 401 48 42 184 152 54 69 66 75 77
D EN M AR K - - - - - - 1 - 1 —
G ER M AN Y 24- - 8 2 - 2 3 “ 2
FR AN C E 55 5 3 10 3 1 4 3 4 3
IRELAND - -- - - - - 1 - 1
ITALY 165 14 17 31 17 17 14 10 10 1 1
LU XEM BO U RG 109 15 1 1 25 15 1 1 14 14 15 24
NETHERLANDS 20 4 1 7 2 1 .  - — 1 “
UNITED KINGDOM 3 - - - - - 2 1 —
OTHERS- 1 - - 1 - - —
TOTALS 777 87 74 265 194 84 106 98 106 118
2. Bree akdown by Ic ca tio n s in r e la tio n  1:o borrowe r
PLACE O F  EMPLOYM ENT 667 85 66 240 188 83 93 96 97 110
PLACE O F  ORIGIN 75 2 7 25 6 1 13 2 9 8
ELSEW HERE 35 - 1- — “ “ ·
'
TOTALS 777 87 74 265 194 84 106 98 106 118

IX/3/ 2 - BUILDING LOANSTABLE .  6.
SITUATIOf'i AT 31 ' DECEM BER 1982
G R A D E  :STAFFAPPLICATIONS SUCCESSFUL APPLICANTS BY N U M BER  O F --RATIO1 .  1-
k  L / " ' APPLICATIONS
DFPFNDANTS AS DFFT,\iFn T U  THF STAFF APPLICA­
TIONS/
S T A F FLOANS
GRANTED/
APPLICA-MrrLlUfl 1UW 3 rC IM L U IN Ü
PENDING AS %N U M BER SR E C 'D
3WITH- -
1 2D R A^INKtJtC I .  tu
5KtbULA I lUINb  ItXlL. SPUUSfc)D O S S IE R DOSSIER
COMPLETETOTALO F  APPLIC A t. 
TIONS  R E C 'D
1 T O T NU M BER S TIONSINuum -
2 0 1 2 3 4 b 6 7 TOTAL PLETE★
RPL OTHER
A  1 40 6 4-1  _ _ _ _ - - 1-1-2 -
2 175 26 .  9 2!  1 3 1 A 1 4 1 1 - - 12 2 « C
3 566 95 42 9;  5 14 4 2 13 7 2 5 - 33 - 6 6
4 1  354 181 95 6 3 9 4 5 20 14 16 2 - 3 64 13-13
5 ■ 1  657 285 108 7!  3 10 17 13 54 42 18 4 1 ” 149 - 18- 18
6 1.050 175 56 4i  1 5 14 13 31 28 9 6 - 101 11 2 13
7
8792
160
1181!  " 
i  _1 5
114
111
-•  1 1
: I34
11
_5 1
!
TOTAL A 5 635 829 332 29 !  13I42 45 39 134 106 48 19 23396 14.71 % 4 7 ,7 6  7 .155 3 59 7.11 %
B 1 676 117 29 4 2 6 10f........ —
11 25 1
1 9 1 1 -- 14 - 14
2 900 215 48 3 6 9 28 17 56 32 8 2 143 - 12 3 15
3 901 274 •  51 3 1 4 34 34 90 28 12 3 - - 201 18 - 18
4 .  657 173 41 4»4 12 22 52 18 7 1 - » 112 - 11 5 16
5 273 63 13 1«1 10 13 11 6 6 - - 46 - 3 ~ 3
-  TOTAL 813 407 842 182 15 9 24 94 97 234 95 42 5 3 - 570 24.71 %  '6 7.69 % 58 8 66 7 .8 3  %  .
C  1  |1  220 194 31 3 1 4 65 33 28 14 4- - - 144 12 3 15
.  2 | 2 100 451 96 2 3 5 94 100 71 34 6 5 1- 311 - 32 7 39
3 :1  795 317 59 2 2 4 61 72 67 25 5 - 2 -■ 232 - 19 3 22
4 i601 92 1? 2 - 2 9 10 33 1 0 1  2 “- - 64 “ 8 1 9
.  5 I 201 16 - - -- 2 4 4 - 3 -- - 13 - 3 “ 3
‘TOTAL C  ; 5 917 1.070 203 9 6 15 231 219 203 83 20 5 3 - 764 18,08 % 7 1 .4 0  % - 74 14 88 8.22 X
D  1  ; 389 89 5- _ —14 21 26 12 4 - - - 77 1 3 3 7
2 ! 378 91 13 - 6 21 32 9 5 1 - 74 - 4 - 4
3 i 284 34 j 3 - -- 3 6 12 4 1 2 - - 28 - 3 3
4 i 10 i- ... -- - - -- - - - - - - - —
TOTAL f >  | 1  061 214 21 - - - 23 48 70 25 10 2 1 - 179 2 0 .1 6  % 83.64 1 10 3 14 6,54 X
, GRAND, !  16 020 2,955 738 53 28 81 393 402 641 309 123 29 9 3 1  909 18.44 7 . 6 4 .6 0  X 2 197 28. 227 7.68 X
■ T O T A L  i !! 225
C o l. 5 : 1  =  n o t aumssible (does not comply  w ith  rules).
2 = rejected for s o c ia l reasons. *RPL = Repayment o f previous loans.