Banks’ instructions for paying a mortgage loan are different
Regarding the payment of housing deposit facilities in private banks, Mohammad Reza Jamshidi added: “Payment of facilities by private banks is like state-owned banks, because the policies are determined by the central bank and banks are obliged to act within the framework.”
He continued by stating that there are different regulations in different banks: each bank has its own regulations for payment of facilities and the conditions for payment of facilities in banks are different, which is why when the applicant goes to the bank, different conditions cause Complaints and grievances are made by the applicants.
Jamshidi added: “One of the things that private banks do to pay for mortgage loan facilities is accreditation, and in this regard, the banks are different.”
He continued: in order not to incur costs for the bank’s customers, the bank itself conducts validation.
The secretary of the Association of Private Banks and Credit Institutions said: “Credit is legal, because in the past, bank arrears and unpaid facilities were due to incorrect credit or lack of credit, which is why banks are strict.”
In response to why private banks are strict in their housing deposit plans, Jamshidi clarified: The credit of private banks is low and banks are lawyers of depositors and collect deposits on their behalf to create resources, so they are bound to the principle. And the money returns.
He continued: in the housing deposit plan, a tripartite contract should be created between the bank, the landlord and the tenant and the facility should be paid to the landlord so that when the tenant leaves the property, the landlord returns the facility to the bank.
Jamshidi emphasized: the housing deposit plan was announced in a hurry and no resolution in this regard was communicated to the private banks.
In response to the question that if the capacity of the banks has been exhausted, then why is the bank selected in the system of the Ministry of Roads and Urban Development ?, he said: the system is in the possession of the Ministry of Roads and Urban Development and the ministry should solve the problems.
Jamshidi continued: The National Housing System introduces the applicant to the bank and when it reaches the payment stage, it is considered as a statistic, otherwise it is not considered as a statistic, and the system announces the multiple capacity to the banks.
He added: “Mortgage loan applicants should refer to the head of the branch and the bank inspector to pay the loan in case of violation of private banks, and if they do not receive a response, they should refer to the management of the central bank banks.”
Jamshidi continued: the registration of the mortgage loan was extended until the end of December and the applicants can receive facilities until the end of February.
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