natgillin/translations-raw huggingface dataset:
Personer, hvis indkomst ikke overstiger et vist maksimumsbeløb, kan i kreditforeningerne opnå realkreditlån.
The borrower may elect to have the interest on a house loan subsidized under the Act, instead of claiming tax relief on interest payable on the mortgage.
Ved salg. der er godkendt af ovennævnte institutioner, nedsættes notarudgifterne med halvdelen.
This scheme is designed especially for people with incomes below the minimum taxable level.
Det samme gælder for lån. der ydes af de ovennævnte institutioner eller af »Fonds du logement de la Ligue des families de Belgique«.
Through it, they obtain a subsidy broadly equivalent to the tax relief on mortgage interest to which they would be entitled if they paid tax.
De kooperative HLM-selskaber gennemfører ud lejning og tildeling af boliger på de samme be tingelser.
The scheme can only be operated when an option notice has been given to the lenders, who must be recognized bodies such as building societis.
Den kommende ejer bliver medlem af et kooperativ ved at tegne aktier for et beløb svarende til byggeudgiften.
The period of the subsidy depends on the duration of the loan, but ceases, in default of other arrangements, thirty years from the date on which the option takes effect.
I dette tilfælde konverteres præmien til en rentegodtgørelse.
The subsidy relates to a maximum capital sum of LFR 600 000.
En særlig betingelse for at opnå dette tillægslån er, at den valgte bolig er afstemt efter lansøgerens familieforhold. lieforhold.
There are three types of schemes (operated by local authorities) to encourage homeownership among tenants:
I Frankrig anvender de sociale boligforeninger (HLM) hvert är en stor del (der fremgär af finansloven) af deres midler pá at fremme lavindkomstgruppernes erhvervelse af boliger.
In Belgium, persons buying or building lowcost or 'similar' housing and possessing no other dwelling, may obtain a State guarantee for a mortgage loan from certain credit institutions.
Disse programmer finansieres i vid udstrækning ved langfristede län fra lånekassen for HLM-organisationerne til en meget lav rente samt ved sparekasselån, hvortil staten yder rentegodtgørelse.
Maximum amounts are fixed for the rate of interest and for the capital borrowed.
Disse HLM-lan vil ligesom PSI-lánene (de samtidige særlige lån) blive erstattet af de nye PAP-lån (statsstøttede lån til erhvervelse af ejendom) ').
(a) a sales scheme which provides for the sale or lease of houses to tenants at the market or replace ment value of the house, subject to a discount, based on the length of tenancy, of up to 30% for houses in built-up areas or 45% in rural areas;
For at kunne opnå HLM-lan skal de færdigbyggede boliger opfylde visse normer for boligareal, og boligernes kostpris skal ligge under et vist maksimum.
If the amount needed is particularly high, a supplementary guaranteed loan may be granted provided the borrower is in receipt of a State premium (which is then paid over ten years and is known as a 'prime fractionnée' (premium paid in instalments)) has already obtained a guaranteed loan with a first priority and that the interest rate for the supplementary loan does not exceed 8.75%.
Kun personer, hvis midler ikke overstiger visse lovbestemte maksimumsbeløb, kan komme i betragtning.
(b) a scheme introduced in 1972, whereby tenants are given the option, when being notified of the allocation of their house, of either renting or buying the house on a tenant-purchase basis with all the aids available to private house purchasers;
I Italien fremgår basisreglerne for det al mennyttige byggeri af kongeligt dekret nr. 1 165 af 28. april 1938, som senere er ændret flere gange.
In Ireland, local authorities advance house purchase loans of up to IRL 9 000 for the purchase of new houses.
Dette dekret fastsætter, at staten i et tidsrum af 35 år yder et tilskud pá 4 r7c af byggeudgiften til bolig foreninger samt byggekooperativer og offentlige boligselskaber.
Purchaser's total incomes must not exceed IRL 3 500 and, in the case of farmers, the rateable value must not exceed IRL 60.
Disse udlejer de opførte boliger el ler overdrager dem som ejendom (i forholdet 2/3
These loans are at the prevailing interest rate and are repayable over a maximum of thirty-five years.
Staten betaler en årlig rentegodtgørelse til länekassen for HLM-organisationerne. således at denne kan opnå balance mellem tilbagebetalingerne fra HLM-organisationerne og dens egne tilbagebetalinger til Caisse des Depots, der yder den de nødvendige midler pá samme vilkår som dem. der gælder for dens egen låntagning.
(c) local authorities build houses for sale as distinct from letting. These houses are provided at reasonable cost and are intended, by means of housing grants and other State aids available, for private house purchasers.
til 1/3). De således finansierede boliger skal op fylde visse tekniske mindstekrav og skal have en vis størrelse.
before or during construction in cases where pay ments are required before completion of the works.
Præsidentens dekret af 17. januar 1959 (nr. 2) og lov af 27. april 1962 (nr. 23) indeholder bestemmelser om overdragelse af disse boliger som ejendom til personer, der i forvejen bor i dem som lejere.
This is dealt with in the Law of 9 July 1971, which regulates the construction and sale of dwellings to be built or under construction and in the imple menting decree of 21 October 1971.
Der er fastsat betydelige lempelser med hensyn til bade pris og betalingsvilkår.
This law is applicable to all buildings for dwelling purposes with or without a premium and/or lowcost loan being granted.
I Forbundsrepublikken Tyskland stilles der offentlige midler til rådighed - i form af lavtforrentede lån med lang løbetid eller tilskud til nedbringelse af omkostningerne ved låntagning pa kapitalmarkedet - til boligbyggeri til fordel for personer, hvis årsindkomst ikke overstiger DM 18 000.
A special system is used in Luxembourg by the National Society for lowcost dwellings. The future owner rents the dwelling he wishes to buy; his rent is fixed at a sum varying between 3 and 2.5% of the price of the dwelling, according to the number of dependent children.
Denne indkomstgrænse forhøjes med DM 9 000 for ægtefælle og med DM 4 200 for hvert yderligere familiemedlem (»Zweites Wohnungsbaugesetz« af 1. 9.
As well as paying the rent, the tenant must undertake to deposit each month a certain sum in a savings account, which has been calculated so that in ten years the minimum capital required for the purchase of the said dwelling will have been amassed, the difference being covered by a loan from the State Savings Bank.
Personer eller byggekooperativer. der planlægger et byggeri, skal indhente tilladelse fra ministeriet for offentlige arbejder.
The amount of the home purchase premium varies according to income from BFR 60 000 to 11 000, increased by 20% for each de pendent child.
Disse anvender beløbet til ydelse af et län pä maksimalt 75 % af de samlede udgifter.
(a) wish to obtain houses in rural areas, provided they derive their livelihood solely or mainly from agriculture and the rateable value of the property does not exceed a certain level;
Lånet har en løbetid på maksimalt 35 år, og rente foden er 4 %.
(b) live in overcrowded houses or houses unfit for human habitation and whose circumstances are such that they cannot obtain a house for their own occupation without this special aid.
Inden for rammerne af politikken for stötte til erhvervelse af ejendom sigter en lov af 23. marts 1976 mod at fremme fast lejemål gennem kontrakter om lejekøb.
The grant of a premium for the construction or purchase of a dwelling is provided for in the legislation of several countries.
Formålet hermed er. at befolkningsgrupper med beskedne indkomster far mulig hed for at erhverve en bolig ved at betale et beløb på mellem DM 40 og 70 (alt efter skattefordele) ud over den månedlige husleje.
In Belgium (Royal Decrees of 10 August 1967, 4 February 1968, 22 November 1968, 7 July 1969, 28 October 1971, 17 April 1972, 3 April 1973, 2 July 1973, 27 July 1973 and 28 December 1973), a homebuilding premium can be granted to persons who have no other dwelling when they build a house or become owners by contract with a private owner, this contract being the first entered into and the building never having been occupied.
Denne ordning er således et mellemstadium mellem den egentlige leje og erhvervelsen af bolig, idet køberen ikke er enejer, men opnår beboelsesret. alt imens han er medindehaver af det boligselskab, der efter loven ejer ejendommen.
The habitable area of the dwelling may not be more than 85 square metres in a single family house or 65 square metres for an apartment. These figures may be increased by 10 square metres per child or parent living with the applicant.
Dette udelukker ikke. at lejeren senere kan opnä fuldt ejerskab af sin bolig.
The premiums are granted only to persons whose tax able income does not exceed certain ceilings.
Ved disse love fastsættes lån til nedsat rente for personer, der individuelt eller samlet i kooperativer planlægger et byggeri, såfremt de ikke i den kommune, hvor byggeriet tænkes opført, i forvejen ejer en anden bolig, og såfremt deres skattepligtige indkomst efter fradrag af lønindkomst, ikke over stiger LIT 1 200 000 årligt.
The basic ceiling of BFR 180 000 can be increased by BFR 10 000, 20 000 or 30 000, and again by BFR 12 000 for each dependent child.
Rentefoden for disse län varierer fra 6.25c/c til 1.75%. alt efter hvor mange forsørgelsesberettigede børn og hvor høj indkomst lansøgeren har.
The amount of the homebuilding premium varies, according to income, from BFR 60 000 to 11 000, and is increased by 20% for each dependent child.
Rentefoden er højst 5,5 %. og forskellen mellem vurderingssummen og de faktiske udgifter betales af staten.
In the field of private housing construction, legislation is in force to protect future owners of dwellings
For personer, der modtager en præmie til opførelse eller erhvervelse af en bolig, nedsættes denne rentefod til 6.25 %.
A homebuilding premium is given to persons who are not the owners of another dwelling, whose taxable assets do not exceed LFR 600 000 and whose annual net income does not exceed LFR 140 000 (at index 100).
Staten yder desuden et rentetilskud til familier med 3 forsørgelsesberettigede børn. hvorved rentefoden nedsættes til
This amount is increased by LFR 10 000 for one, LFR 25 000 for two, and LFR 45 000 for three dependent children.
Det maksimumsbeløb, der kan tages i bet ragtning ved beregningen af rentetilskuddet, er fastsat til LFR 600 000.
15 000 for one child and LFR 30 000 for two children. From the third child onwards the family supplement is increased by LFR 30 000 for each further child.
Det er en betingelse for anvendelse af denne ord ning, at långiveren skal være et offentligt anerkendt organ som f.eks. et boligselskab, som har fået meddelelse om. hvilken støtteordning der vælges.
The same conditions applying, a premium for the same amount is allocated to the purchaser of a dwelling who has at least three children (two in the case of a widow who has not remarried) or is 50% disabled.
I Belgien kan personer, der erhverver eller lader opføre sociale boliger eller lignende boliger, og som ikke i forvejen rader over en bolig, få statsgaranteret realkreditlån i visse kreditinstitutter.
In France, housing allowances are given to families to enable them to live in conditions which are neither overcrowded nor insalubrious. Both ten ants and owners may benefit.
Der er fastsat øvre grænser for såvel rentefod som länesum.
Since 1972, the allow ances are also given to old persons and young workers.
I denne ordning til fremme at lejernes huskøb fastsættes tre Iremgangsmader (der alle er iværksat af de lokale myndigheder): digheder):
It may be noted that the ceilings for income and assets are index-linked.
a) En salgsordning. der fastsætter salg eller leasing af huse til lejerne til husets gældende pris eller genanskaffelsespris med et nedslag, der beregnes pä grundlag af lejemålets længde.
Together with the building or purchasing premium, the State pays the beneficiaries of these premiums another premium as a partial refund on the valueadded tax or other fiscal charges applying to the building or purchase of a home.
Nedslaget udgør indtil 30 % for huse i tætbebyggede omrader og indtil 45 % for huse på landet.
This compensating premium, in effect from 1 December 1974, amounts to LFR 60 000 for new buildings and LFR 30 000 for existing dwellings.
Landmænd mä kun eje så meget fast ejendom, at »rateable valuation« (beregningsgrundlag for grund- og ejendomsskyld) ikke overstiger IRL 60.
In the Netherlands, the benefits described under point 5.7 are also given to purchasers of dwellings built within the framework of the 'Woningwet' (low-cost housing) scheme.
Disse lån ydes til normal rente og har en løbetid pá 35 ar.
The dwelling must not be new, and must already be occupied, as tenant, by the aspiring owner.
1 Det forenede Kongerige indførte De partment of the Environment, som led i loven om boligstøtte af 1967. den såkaldte »Option mortgage subsidy scheme« (Valgmulighed inden for rammerne af en støtteordning i forbindelse med prioritering). tering).
To contribute to the satisfaction of housing needs, facilitate homeownership, provide better housing and improve existing dwellings, French housing aid policy was reformed by the Law of 3 January 1977. Under this Law, persons who for lack of means cannot today aspire to homeownership, can be granted aid to enable them to take on the financial burden entailed.
c) Lokale myndigheder bygger huse specielt med henblik pä salg og ikke udlejning.
Aid is granted to persons who occupy, as their principal residence, the dwelling of which they are owners or tenants.
Disse huse sælges til rimelige priser og er bestemt for de købere, der modtager boligstøtte eller anden finansiel støtte fra staten.
The aid is 'personalized' in that it is adjusted to changes in household in come, the relative cost of the dwelling and family circumstances.
Låntageren kan vælge de i lov om byggelån fast satte rentetilskud i stedet for at gøre krav pá skat tebegunstigelse ved betaling af renter af prioritetsgæld.
Payment of rent (or monthly repayments) exceeding the 'minimum' rent fixed by law gives entitlement to 'personalized' aid.
Langiveren far i princippet hele det for faldne rentebeløb udbetalt, men låntageren betaler i realiteten kun en del af beløbet, medens restbeløbet betales af Department of the Environment. ment.
The field of application is to all intents and purposes limited to rented lowcost dwellings and housing for which State aid has been granted (PAP, homeownership loans1or special homeownership loans2for housing construction or improvement).
Den kommende husejer lejer den bolig, som han agter at købe.
This loan must be repaid in eight equal annual instalments.
Forskellen dækkes ved hjælp af et Ian i »Caisse d'Epargne de l'Etat«. Opsparings kontoen forrentes med 5 %.
On 31 December 1975, approximately 1.67 million households were receiving allowances under this law.
Pa denne made far de en støtte, som praktisk talt svarer til den skattebegunstigelse ved betaling af ren ter af prioritetsgæld, som de kunne gøre brug af. hvis de var skattepligtige.
Purchasers of 'savings certificates' are also entitled to the savings premium' if they cash these certificates to buy a dwelling; the certificates must have been held for at least two years.
Præmier endnu ikke er ejer af en bolig, får købere af boliger i det offentlige byggeri en købspræmie, såfremt boligen kan betegnes som en social bolig eller til svarende eller som en lille ejendom.
— measures in which on the contrary individual saving retains all its usual importance — are relatively rare.
huse og 65 m2for lejligheder.
— incentives to individual saving by workers;
b) Personer, som lever under trange boligforhold eller i huse. der er uegnede til beboelse, og som pä grund af deres økonomiske forhold ikke har mulighed for at erhverve en bolig uden denne særlige boligstøtte.
Wage and salary earners benefit from statutory systems for incentives to asset formation which differ widely from those already examined, which are open to the population as a whole or to persons in low-income groups.
Desuden yder staten yderligere støtte på op til 100 % af den normale støtte til købere af fast ejen dom, såfremt boligerne opfylder betingelserne for ydelse af statsstøtte, og lansøgerens indkomst ikke overstiger et bestemt maksimumbeløb pr. ar (for lansøgere med 4 forsørgelsesberettigede personer forhøjes dette beløb).
— 'mixed' types, which involve individual saving by workers and supplementary contributions by employers: doubts concerning how certain types should be classified have been resolved on the basis of the relative proportion constituted by workers' savings and employers' contributions. The types in which the workers' savings element is regarded as the most important have been included in the first category, the other in the second;
Der er fastsat 4 indkomsttrin. for hvilke der om vendt proportionalt ydes fire præmiebeløb. Disse indkomster må ikke overstige BFR 180 000 og kan forhøjes med henholdsvis BFR 10 000, 20 000 el ler 30 000.
In the acquisition of assets in the form of securities, the incentive to saving plays a relatively second role; on the other hand, great importance is given to specific types which provide for tax advantages and/ or exemptions from social security contributions for employers who set aside for their employees sums unconnected with earnings for the formation of durable assets.
De fire maksimumbeløb kan forhøjes med BFR 12 000 for hvert forsørgelsesberettiget barn.
In one case, it is compulsory to set up a scheme of this type.
Beløbene pä BFR 180 000 og de BFR 12 000 indeksreguleres med udgangspunkt i for brugerprisindekset 108.89 (1971 = 100).
— types including only employers' contributions;
Størrelsen af byggepræmien varierer alt efter disse indkomster fra BFR 60 000 til BFR 11 000.
— finally, various types which could not easily be classified in the above categories.
Des uden forhøjes præmien med 20 % for hvert for sørgelsesberettiget barn.
The two types (workers' savings, employers' contributions) can sometimes be found in a single system; this type will be termed a 'mixed' system.
I Luxembourg findes der 2 forskellige præmieordninger, en for køb af fast ejendom og en for opførelse af en bolig (arrêté ministeriel af 25. 5. 1973).
The amounts set aside for workers under these systems are subject to a holding period of varying length unless they are intended for intrinsically longterm investments (insurance premiums, invest ments in real property); very often they are not considered as part of income for tax and social security purposes.
Byggepræmien gives til personer, som ikke ejer en anden bolig, såfremt deres skattepligtige formue ikke overstiger LFR 600 000. og deres årsindkomst ikke overstiger LFR 140 000 (indeks 100).
The most important provisions in the field of incentives for workers to make savings in the form of deposits and securities are to be found in the Federal Republic of Germany.
Dette belob forhøjes med LFR 10 000 for et forsørgelsesberettiget barn. med LFR 25 000 for to børn og med LFR 45 000 for tre børn. Præmien udgør LFR 40 000.
Mention should again be made of the DM 624 Law' granting pre miums and savings bonuses on the sums saved by workers, and invested in certain ways, the employer acting as intermediary.
Dette beløb forhøjes med LFR 15 000 for et barn. med LFR 30 000 for to børn og fra og med det tredje barn med LFR 30 000 for hvert yderligere barn.
This law will be discussed in detail under 15.1; only those provisions giving in centives for individual savings are described here.
For så vidt angår det private boligbyggeri, skal nævnes en generel ordning, der tilsigter at beskytte de kommende husejere før eller under byggeriet i tilfælde af krav om betaling, før byggeriet er fuldført.
Besides the statutory measures, similar measures have been taken by several companies; they are intended to encourage individual savings by workers, or provide for employers' contributions which help towards asset formation.
Det drejer sig om en lov af 9. juli 1971 om boligbyggeri og salg af projekterede boliger eller boliger under opførelse samt den tilsvarende »arrêté d'exécution« (i krafttrædelseslov) af 21. oktober 1971.
Workers may request that part of their wages (or other component of earnings, Christmas bonus, yearly bonus, etc.) be invested by their employer.
Anvendelsesområdet for denne lov om fatter alt boligbyggeri, uanset om der i forbindelse med byggeriet er blevet udbetalt en præmie eller et socialt lån.
This request, which must be made in writing, need not be complied with by the employer, unless the worker intends to invest at least DM 10 a month, or make a single annual payment of DM 60.
På de samme betingelser vedrørende indkomststorrelse og ligeledes for personer, som
' Third law giving workers incentives for asset formation (Law of 27 June 1970) replacing the Law of 1 July 1965 itself replacing a law of 1961.
Køberen af en bolig modtager pa de samme be tingelser en præmie af tilsvarende størrelse, så fremt den pågældende har mindst tre børn (2 børn for enker, der ikke har giftet sig igen) eller er 50 '7c invalid.
In view of the importance of employers' contributions and government measures in relation to savings by workers themselves, it seemed appropriate in this third part to speak of 'incentives to asset formation', rather than 'saving incentives': this should underline the fact that the specific methods intended to create worker asset formation basically do not consist in individual saving, particularly since measures aiding the acquisition of assets in the form of real property, and relating only to workers
komst og størrelse samt af lejen og størrelsen af det beløb, der månedligt betales i afdrag på købslånet.
Workers domiciled in the Federal Republic of Germany but employed abroad cannot in principle invest part of their earnings under this law, because the employment contract is not based on German law.
Siden 1972 ydes der også boligtilskud til ældre mennesker og unge arbejdstagere.
Certain exceptions are, however, made by the tax authorities.
Denne udligningspræmie. der er kommet til udbetaling siden 1. december 1974. beløber sig til LFR 60 000 for nye og LFR 30 000 for gamle boliger.
Workers employed by a national employer and domiciled abroad may benefit from the provisions of the third law on asset formation in the same way as workers employed and domiciled in the country.
I Nederlandene ydes de under pkt. 5.7. nævnte fordele også til køberne af en bolig, der er opført som led i »Woningwet«, altså en social bolig.
In France, a Law of 31 December 1970 and a Decree of 7 June 1971 introduced an optional system of share options in favour of the personnel of companies in the private sector.
Denne bolig ma ikke være ny og skal alle rede være lejet af den pågældende. Salgsprisen fastsættes pa grundlag af den samlede byggeudgift, der reguleres efter et officielt indeks.
According to this law, amending the Law of 24 July 1966 on commercial companies, these companies can offer all their employees an option on shares deriving from certain financial operations (increase in cash holdings, in crease in capital by incorporation of reserves, etc.).
Køberens skattepligtige årsindkomst må ikke overstige et be stemt beløb.
These options can be exercised within five years from the day they are taken out at a price fixed on the opening day.
Loven om fonds for »Formuedannelse« giver mulighed for ydelse af et rentefrit Ian pä HFL 2 400 til personer, hvis skattepligtige indkomst lig ger under den skattefrie bundgrænse, og som agter at købe en ny eller allerede beboet bolig.
Also in the Federal Republic of Germany, if a jointstock company or limited partnership sells its own shares to its workers ('workers' shares') at a price lower than the market value, the gains realized by the worker (maximum DM 500 per year), which form part of his income from work, are not subject to income tax or tithes (Law of 10 October 1967).
Dette län skal afvikles over 8 annuiteter.
Nor does the worker pay the related social security contributions.