1999年9月，根据一项16个月社会住房筹资紧急计划，与10家银行、10家建筑公司和国房基金签订了协定，从而通过社房基金、萨尔瓦多银行协会和萨尔瓦多工业和建筑联合会 正式实施了根据政府“协作联盟”方案订立的重要协作协定。
Agreements were signed in September 1999 with 10 banks, 10 construction companies and FONAVIPO under an emergency plan for the financing of social housing for a period of 16 months, thus giving formal effect to important solidarity pacts entered into under the “Solidarity Alliance” of the Government's Programme through FSV, the Banking Association of El Salvador, and the Salvadoran Chamber of Industry and Construction.
1999年9月至2000年12月为新住房提供了 15 105笔贷款，贷款总额为15 440万美元。
Between September 1999 and December 2000 finance was provided for 15,105 loans for new housing units in a total of $154.4 million.
650. 降低利率。
Reduction of interest rates.
在《货币一体化法》于2000年12月15日生效之后，为了购置费用高达14 285.71美元的新房的工人，利率下调了3个百分点，由9%降到6%。
Following the entry into force of the Monetary Integration Act, on 15 December 2000 interest rates were cut by three points, from nine to six per cent, for workers buying new homes costing up to $14,285.71.
这一降息也适用于目前和今后的贷款。
This cut applied to the rates on existing and future loans.
它有助于增加人们，尤其是低收入工人获取信贷的机会。
It helped to improve access to credit, especially for lower-income workers.
651. 延长营业时间。
Extension of opening hours for clients.
目前总办事处开办17个多种服务窗口，营业时间为星期一至星期六早7点至晚7点，中间不休息。
The opening hours are now 7 a.m. to 7 p.m. without interruption, Monday to Saturday, at 17 multi-service windows at the central office.
这就是说营业时间大大增加，从每周44小时延长到了72小时。
This represents a substantial increase in the hours of service, from 44 to 72 hours a week.
652. 网上服务。
Service on the Internet.
社房基金的网站提供资料介绍贷款要求、住房供应、资格预审、贷款申请情况，以促进和简化贷款手续。
The FSV web site provides information on lending requirements, housing supply, pre-qualification, status of loan applications, etc., with a view to facilitating and streamlining the loan formalities.
653. 其他措施。
Other measures.
在第二次全国私营企业碰面会之后，终于决定再实施以下措施：（1）为了贷款，申请人达不到偿付能力要求时，则考虑家庭其他成员和普通法配偶的收入；（2）向最高收入没有任何限制的所有正规经济部门的工人提供资金；（3）如果考虑增加加班费、佣金和奖金等额外家庭收入，则数额最多不超过100 %；（4）自2002年1月起，在可续贷的6个月期间，如果申请人的偿付能力允许申请人第二次贷款购置第二套新房，而且足以满足此类贷款的一般条件，则可以准予发放此类贷款。
The introduction of the following additional measures was finalized following the second National Encounter of Private Business: (1) consideration for loan purposes of the incomes of other family members and common-law spouses when the applicant cannot satisfy the capacity-to-pay requirements; (2) availability of financing for all formal-sector workers without any maximum-income restrictions; (3) consideration of additional family income from overtime working, commissions and bonuses up to a limit of 100 per cent, provided that such payments are received on a regular basis; (4) authorization for a renewable period of six months from January 2002 of the granting of a second loan for the purchase of a second new home, provided that the applicant's capacity to pay so allows and is sufficient to satisfy the general conditions for such loans.
654. 任何工人，只要达到贷款机构的规则所定要求，符合贷款机构的贷款政策，就可申请贷款；贷款政策要根据资源费用和国家的宏观经济形势定期加以审查，以便能长期向工人提供信贷。
Any worker may apply for a loan when he or she meets the requirements of the rules of the lending institutions and their lending policy; lending policy is reviewed periodically in the light of the cost of resources and the country's macroeconomic situation, with a view to making credit permanently available to workers.
根据《社房基金法》规定，贷款要以优惠条件发放，尤其是在贷款期限、利率、保证金、免收手续费等方面给予优惠。
Pursuant to the FSV Act, the loans are granted on soft terms, especially with respect to duration, interest rates, deposits, non-charging of commission, etc.
655. 如《社房基金法》第7条规定的那样，社房基金在追求自己的目标时，尽一切努力为工人提供舒适、卫生、安全的住房，用自己的资源主要为购买、建筑、修理、扩建或装修房屋，为购置建房用地和配置饮水和卫生服务提供贷款，也重新筹措资金发放为其贷款政策48明确规定的目的而约定的贷款。
As required by article 7 of the FSV Act, in the pursuit of its objectives FSV does everything possible to provide workers with comfortable, hygienic and safe homes, using its resources chiefly for loans for the purchase, construction, repair, extension or improvement of housing, as well as for the purchase of land for the construction of housing and installation of drinking water and sanitation services, and for the refinancing of loans contracted for any of the purposes specified in its lending policy.48
656. 社房基金的战略，重在获得足够的资源以满足贷款需求；此类资源来自：（a）工人和雇主至1998年4月的集资；（b）债券发行和（c）证券投资收入。
The FSV strategy is focused on obtaining sufficient resources to meet the demand for loans; such resources come from: (a) workers' and employers' contributions up to April 1998; (b) bond issues; and (c) portfolio income.
657. 下表列示了根据这几项记录的金额。
The following table shows the amounts recorded under these headings.
1995年至2002年6月的社房基金资金来源 （百万美元）
Social Housing Fund Sources of financial resources, 1995 to June 2002
* 2002年6月。
* Up to June 2002.
资料来源：预算执行报告。
Source: Budget execution report.
658. 证券投资收入和债券发行目前提供了97.3%的资金，成为根据《社房基金法》规定的贷款安排持续满足贷款需求的一个可靠、持久而充足的资金来源。
Portfolio income and bond issues currently provide 97.3 per cent of resources and constitute a secure, permanent and sufficient source of funds to satisfy the demand for loans on a sustainable basis under the lending arrangements established in the FSV Act.
1995 年至2002年6月期间这些资源的投资情况见下表。
The investment of these resources in the period 1995 to June 2002 is shown in the following table.
1995-2002年社房基金发放的贷款
Loans granted by FSV, 1995-2002