Banks: We determine the terms of the marriage loan, not the parliament! Mehr News Agency Iran and world’s news
According to reports Mehr news agencyMarriage loans are one of those things that always About him There is debate, and sometimes despite the emphasis on facilitating the loan, some couples have difficulty getting it. Fars Media In a report, I went to the banks to see the situation of receiving loans in the field:
According to a parliamentary resolution, marriage loans will be paid in 1400 in two ways. 70 million Toman marriage loan that belongs to all couples and 100 million Toman marriage loan that has age conditions and only to زوجهای It is paid under the age of 25. Now, with nothing left until the end of 1400, many applicants for these marriage loans are facing many difficulties. Some of these couples in the Fars Man system have registered their problem as the need to monitor the performance of banks in repaying loans. According to Fars News Agency, these problems are due to the violation of banks and strict rules of dignity for young couples. We are sitting at the feet of some of these couples to tell the seven readers what they have to do to get a loan.
One of the Fars audiences says about the arbitrariness of banks in giving marriage loans: “We applied for marriage loans and after some time Finally It was our turn. The bank clerk asked us for two official guarantors to give the loan. The problem is that the criterion of formality is determined by the banks themselves based on personal taste and desire. They did not accept everything we said about the dignity of the law and the commentary, and said that you must have two people as guarantors.
I told the head of the bank that this is against the law, and according to the law passed by the parliament, you must either accept a guarantor or accept the subsidy share as a guarantee. “But the head of the branch said that we determine the conditions, not the parliament!”
It is this lack of supervision that has caused the banks to violate, and this violation has progressed to the point that the head of the bank, instead of enforcing the law, sets new conditions and rules for the client and tells him that I will pass the law and not the parliament! This means that so far no monitoring has been done to deal with delinquent managers, and they felt that they could exercise personal taste in dignity. According to the resolution of the parliament; To guarantee, banks must accept only one of three credit ratings that include a guarantor and a promissory note or individual share of the targeted subsidy account. In this case, any law and conditions other than these three are considered violations.
The employment of the bride is a strange condition of one of the banks for the couple!
Maryam is a 20-year-old girl who has just gotten married. But the bank refused to pay this amount. They said that I must be employed and bring a letter from my place of work so that they could give me a loan. It was not enough, they wanted two guarantors and 100 million promissory notes. We were very upset and took a lot of time to get a marriage loan. Interestingly, a 20-year-old girl was expected to be employed and paid. In my opinion, if someone at this age had an income OK What else is needed for a loan? I asked what if someone does not have a job? But they said sharply that if someone does not have a job, he does not have the right to take a loan. That is, all the girls of our country They work Or have that income also Do they leave the law? “Isn’t this a loan to help a couple who can not afford to pay for a dignified marriage, so what are these strict rules and what I made ?!”
Where are the employment conditions of the bride and groom prepared? Isn’t the marriage loan strike plan to facilitate the marriage, so how did these difficult conditions for getting a loan come about? A girl or a boy under the age of 25 is naturally a student and has not yet entered the job market. However, if we ignore the conditions of service and military service, rarely does a young person under the age of 25 work. It is clear that this condition is set according to the personal taste of the banks, because the parliament has stated in one of the clauses of the marriage loan strike plan only if نیار It is up to the couple to provide neither collateral nor guarantors to the bank.
If you are applying for a marriage facility, official or contract employee of the government, military and law enforcement forces, public institutions (such as the municipality and foundation, relief committee, and Red Crescent), provide a certificate of commitment to deduct installments from the relevant organization along with a salary slip and sentence Recruitment and If If the balance of the mentioned rights is sufficient, there is no need to obtain a guarantor.
Some have been waiting for a year for four months, which is nothing!
Sadegh is a resident of Hamedan province. He has faced many problems in getting a marriage loan and has been traveling between banks to get a loan for several months. He describes the excuses of the bank employees: My wife and I got married in July 1400. A week later, we applied for a marriage loan. It’s been almost 4 months. There was no news and we did not receive a text message from the bank. I personally went to the bank and told the bank staff about this problem. But the answer was that many people are waiting for 8 months or more and it is not their turn yet, four months waiting is nothing! Some time It passed and I was pursued again, but they said that they would not lend to anyone until the end of 1400.
Unfortunately, because the bank was going to be merged, the issue of our marriage loan and the likes of us, who had been waiting for several months, was forgotten. I still Some time I followed up once until one of the bank employees suggested that I go to another bank and choose another bank in the system.
I waited for a while for the bank I was considering to be in the system. Finally I completed the registration, this time, unlike before, it was our turn faster انتظارمان Do not take too long. We completed the documents and introduced 2 guarantors to the bank. The bank confirmed our documents and they were supposed to inform us. After a few days of following up, they said that an order had been issued not to lend to anyone!
Where did this order come from? What is the cause? Why not give loans to young people who are waiting for a loan to start living together? With this inflation in the country, if we had taken out a loan just a few months ago, we might have been able to provide more of the necessities of life. But now what? Are the prices the same as a few months ago, when the loan amount does not change?
Marriage loan or Haft Khan Rostam?
Zeinab has been married for a year but has not yet been able to get a marriage loan. He lives in Tabas and believes that the people of this city have serious problems getting loans. Zeinab says: I got married a year ago and since then I have applied for a loan. When I registered I only borrowed funds الحسنه Was on the system list. I registered several times, but there was no news, but each time I had to choose loan funds الحسنه I was. When I followed up, the head of one of these funds said that they do not give us funds. Do not waste your time. We can not lend because we do not have the budget. Choose one of the banks. How long did it take to Finally The name of a bank was included in the list. I registered and hoped that this time my problem would be solved, but it did not happen. The bank also said it would not lend to anyone because it was to be merged. I really needed and still have this loan, but after a year, I still did not even manage to register, let alone the next steps and the guarantor and documents! It is basically the sentence of Haft Khan Rostam. It’s not just my problem. Many residents of my city have the same problem.
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