Are the banks’ quotas for mortgage loans over?
According to Tejarat News, Mahmoud Mahmoudzadeh, Deputy Minister of Housing and Construction, said about the latest situation of mortgage loans for tenants: “One of the reasons for extending mortgage loans is to consider tenants who have a housing lease in the second half of the year; Therefore, according to our consultations, it was decided that in the second half of the year, the contracts will be included in this facility if the plan is approved by the National Anti-Corona Headquarters.
Mahmoudzadeh continued: “If this issue is approved in the National Headquarters against Corona, tenants who sign a lease agreement in the second half of this year, can go to the housing deposit facility system at tem.mrud.ir Register; At present, this system is not disconnected and it is possible to register.
Banks’ quota for mortgage loans
In response to the question why banks announce that their credit has expired? “The end of the banks’ quota for mortgage loans is not approved by us,” he said.
He added: “Banks had a misconception about mortgage loan quotas; The Deputy Minister of Housing and Construction of the Ministry of Roads and Urban Development has also corresponded with the Central Bank, and the Central Bank has recently notified the banking system and 15 banks and credit institutions implementing mortgage loans and asked them to rectify this issue. It is raised.
Mahmoudzadeh emphasized: The number that is considered as the deposit loan ceiling is (10 thousand billion Tomans) and a large part of it still remains and we have no shortage in this regard.
Banks guarantee for mortgage loans
The Deputy Minister of Housing and Construction, Minister of Roads and Urban Development, also said about the guarantee requested by the banks from the mortgage loan applicants: “This issue is one of the internal instructions of the banks; However, we have asked the central bank in writing to ask the operating banks to provide the minimum necessary guarantees for the applicants.
Proposal to increase the capital of the Housing Bank
Mahmoudzadeh said about the financial statements of Maskan Bank, which were recently published through the Kedal system: “Proposals regarding the increase of the bank’s capital were presented in the annual general assembly last week.”
The Deputy Minister of Roads and Urban Development explained: The Housing Bank is preparing for a new plan to build one million housing units; Because, naturally, most of the implementation of this program will be on the shoulders of the housing bank.
The Deputy Minister of Housing and Construction of the Ministry of Roads and Urban Development also said about the negative financial statements of the bank: “This issue is permanent and it happens every year in general assemblies and of course it is more of an excuse to get permission to increase capital.”
The tracking code is free
He also said about the tracking code: “All real estate consultants in the country are obliged to provide the tracking code to the tenants at the time of concluding the contract without charging any additional amount, and if this violation is observed, the union of real estate consultants should deal with them.”
Source: Young Journalist Club
Read the latest banking news on the Bank and Trade Insurance صفحه News page.