The State Treasury of Finland administers interest subsidies granted by various authorities. Interest subsidies from government funds are paid to private citizens and communities alike.
Two separate subsidy interest systems exist for private citizens ‒ the ASP savings and loan scheme and the interest subsidy for mortgages for owner-occupied homes. The interest subsidy for mortgages for owner-occupied homes can be granted for low-energy building.
Interest subsidy loans granted to institutions are primarily aimed at supporting the housing, and they are interest subsidies granted to housing companies by the Housing Finance and Development Centre of Finland (ARA). Furthermore, interest subsidies are granted for projects whose interest subsidy has been approved by other authorities, for example water management, security stockpiling, and development aid projects.
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