Outstanding social mortgage loans granted SWCS

The indicator gives the number of social mortgages granted during the year. The Société wallonne de crédit social (SWCS) and the Fonds du logement des familles nombreuses de Wallonie (FLW) are particularly competent to grant mortgage loans at advantageous rates to households with modest conditions. It is the composition of the household that determines the competent body. If the household has at least three dependent children*, the application is processed by the FLW, otherwise by the SWCS. In the case of social loans, the rates charged are lower than in the traditional banking market. They also apply more flexible conditions in terms of the amount borrowed and income. They are fixed by scales which depend for the FLW on the composition and income of the household, and for the SWCS on the level of income and the amount borrowed. This policy of social loans reflects the willingness of the public authorities to help households with modest conditions to access real estate ownership. See also: - the "[\2](\1)" site, in particular to find out how dependent children are accounted for: - the site of the "[\2](\1)".本指标统计年度内获批的社会按揭贷款数量。 瓦隆社会信贷公司（Société wallonne de crédit social，SWCS）与瓦隆多子女家庭住房基金（Fonds du logement des familles nombreuses de Wallonie，FLW）尤其擅长为经济条件一般的家庭提供优惠利率的按揭贷款。审批主体由家庭构成情况决定：若家庭至少有3名受抚养子女*，则由FLW处理贷款申请；否则由SWCS负责处理。 社会按揭贷款的执行利率低于传统银行业市场，且在贷款额度与收入要求方面的审批条件更为宽松。利率标准由分级规则确定：FLW的利率分级依据家庭构成与收入情况，SWCS的利率分级则依据收入水平与贷款额度。此类社会按揭贷款政策，体现了公共主管部门助力经济条件一般的家庭获得不动产所有权的政策初衷。 另请参阅： - 「[2](1)」相关网站，尤其可查询受抚养子女的认定规则： - 「[2](1)」官方网站。