Conditions and how to receive marriage loan facilities

According to the Iran Economist Central Bank Public RelationsIn Circular No. 01/3039 dated 10 April 1400, this bank has notified paragraph (a) of Note (16) of the Budget Law of 1401 of the whole country and part (1) of the mentioned legal paragraph to the banking network. Accordingly, the Central Bank is obliged to provide the facilities subject to this paragraph with the first priority through operating banks, from the remaining 100% (100%) of Qarz al-Hasna deposits and fifty percent (50%) of current Qarz al-Hasna deposits. . Banks are also required to pay the facility based on the applicants’ credit rating, at most by taking a promissory note from the applicant or a valid guarantor. The Central Bank and the operating banks and all relevant managers and employees are responsible for the proper implementation of the provisions of this paragraph. Failure to implement or delay in payment of facilities is considered a violation and can be followed up in the competent authorities.

Marriage loan facility for each of the couples whose marriage date was after 01/01/1397, is one billion and two hundred million (1,200,000,000) Rials with a ten-year repayment period. Gharz al-Hasna marriage facility for couples under twenty-five years and women under twenty-three years is one billion and five hundred million (1,500,000,000) Rials. All banks are required to announce the number of Qarz al-Hasna marriage facilities paid on a monthly basis and the number of people waiting to receive these facilities.

Also, according to the provisions of Article (50) of the Comprehensive Law of Services to Veterans, the persons mentioned in the mentioned law are subject to receiving twice as much marriage loan as ordinary people.

It is emphasized that an arrangement should be made by the banking network to notify the relevant executive units throughout the country within one working week from the date of receipt of this letter and send a copy of the relevant notification to this bank. The

Steps, documents and general conditions of applicants for receiving Qarz al-Hasna marriage facilities and conditions and how to register

Steps for registering and obtaining marriage loan facilities

1. Carefully study the conditions and instructions for obtaining a marriage loan, before registering
2. Registration and completion of the relevant form through the marriage loan facility system at ve.cbi.ir for each couple separately
3. Receive a 10-digit tracking code
4. Refer to the site after determining the branch, for information about the branch that issues the marriage loan. (The period for determining the branch will be determined by the banks according to the amount of Qarz al-Hasna resources that can be granted by the bank.)
5. Refer to the introduced branch within a maximum of 12 working days, with the necessary documents
6. Complete the loan process in the relevant branch

General conditions for marriage facility applicants
1. Having the citizenship of the Islamic Republic of Iran
2. Each couple will be granted 120 million tomans of marriage facilities.
Note 1. Pursuant to the provisions of Part (1) of paragraph (a) of Note 16 of the Budget Law of 1401 of the whole country, each couple will be granted 120 million Tomans of marriage loan facilities.
Note 2. Applicants whose marriage age is less than 25 years in couples and under 23 years in wives, the amount of 150 million Tomans of marriage loan facilities will be granted.
Note 3. All Iranian citizens abroad whose marriage certificate has been issued by the Embassy of the Islamic Republic of Iran abroad, are able to register and their marriage certificate, which is sealed with the seal of the Iranian consulate in the said country, is considered as a marriage document. Be.
Note 4. A marriage certificate or any similar document that is approved in other official religions by the centers of religious minorities in the country is considered equivalent to a contract and these applicants will also be able to register.
3. Having a national card (temporary or permanent) and the postal code of the applicant’s place of residence.
4. Considering the possibility of granting marriage facilities to any Iranian, if the applicant for a marriage loan has not used the above facilities before (despite the second or more marriages), he / she can benefit from the marriage loan facilities. (Note: Each of the applicants will be granted marriage loan facilities only once)
5. Qarz al-Hasna marriage facilities are paid to couples whose marriage date is after 01/01/1397 and who have not yet received a marriage loan.
6. People who have been applying for a marriage loan since last year and are in the queue to receive a marriage loan, if their marriage date is after 01/01/1397 and have not yet received a marriage loan, can be within the approved ceilings Budget 1401 to benefit from the above facilities.
7. Marriage loan facilities are not granted to people over 50 years of age.
Required Documents
1. Original and copy of marriage certificate
2. Original and copy of all pages of the couple’s ID cards
3. Original and copy of guarantor ID cards
4. Original and copy of the national card (temporary or permanent) of the couple
5. Original and copy of national card (temporary or permanent) guarantor
6. Ten-digit postal code and full address of the couple’s residence
7. Ten-digit tracking code received from the site after the registration step
Terms of payment
– Qarz al-Hasna marriage facility for each couple, the amount of one hundred and twenty million (120,000,000) Tomans with a ten-year repayment period by obtaining a valid guarantor and promissory note.
– Banks are obliged to pay the facility based on the applicants’ credit, at most by taking a promissory note from the applicant or a valid guarantor.
Registration method
All marriage loan applicants who meet the above conditions must first register on the marriage loan facility system and complete the relevant form, based on which, if the registration process is successful, a ten-digit tracking code that is completely It is confidential and belongs to the applicant, it is given to the registrant.
Applicants are required to refer to the marriage loan facility system to find out the status of their registration and also the name of the relevant branch to apply for a marriage loan, and if the branch has been assigned to provide loans to the applicant, they must have the relevant documents Need to refer to the relevant branch within the time period announced by the site and complete the loan process. Obviously, if the applicants do not apply at the appointed time, their registration will be considered incomplete.
It is necessary to mention that the time period for determining the branch by the banks will be taken according to the amount of Qarz al-Hasna resources that can be granted by the bank.
The applicant for the marriage loan facility, after determining the branch, has the opportunity to refer to the introduced branch within a maximum of 12 working days with the necessary documents. Also, if you do not go to the relevant branch within the specified time, the applicant’s registration information will be deleted.
Applicants for marriage loan facilities, after being accepted by bank branches, must complete the required documents within a maximum of 45 working days, and if the documents are not completed, the applicant’s name will be removed from the relevant system to allow other applicants to benefit. In line with the mentioned facilities and transparency of banks’ operations.

Term of repayment of facilities and fees
– The repayment period of Qarz al-Hasna marriage facility is 10 years and the commission rate is 4%.
– The relevant installments are 120 months and the maturity of the first installment and its fee is one month after the payment of the mentioned facilities.

In the end, it should be noted that in 1400, banks paid more than 80,000 billion tomans to 924,000 applicants for marriage loan facilities, and from the beginning of this year until April 6, about 65,000 items of marriage loan facilities were registered in the system. Relevant done. Accordingly, the Central Bank and the country’s banking network are required to implement the laws in order to honor the people and youth, and this year, as in previous years, they will perform their duties and responsibilities, especially regarding the payment of marriage loan facilities. .

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