Deposit loans are still invalid! / Why do not banks pay rent loans?
According to Tejarat News, while providing a tracking code in all housing transactions is mandatory by law, there are still consultants who are not willing to provide a tracking code to their tenants.
These days, the housing rental market has become very hot under the pretext of getting a mortgage loan, and yet many applicants for this loan have not been able to get a tracking code from real estate consultants.
The market for tracking codes has become hot in many real estate consultants these days, and this has led to the abuse of many brokers and traders in this market, so that now we see that many real estate consultants do not give tracking codes to customers, and after a few The day has passed since the contract was signed and the tenant noticed that the tracking code was not provided. They announce that you have to pay again to be issued a tracking code.
The real estate consultant will charge extra for the tracking code
According to this report, one of the tenants who lives in Imamzadeh Hassan stated that we signed a contract in August, but the real estate consultant did not provide any tracking code despite receiving the commission in full.
He continued: despite the fact that we referred to the company several times, he asked us for 600,000 Tomans to issue a tracking code for us again.
Khodaei added: “We referred to all their sections, even the union itself, but we did not receive any answer in this regard.”
The owner has contacted the company for not giving the tracking code
Also, Fatehi, another tenant in this section, stated that the owner and the company quarreled with each other and the real estate consultant did not give us the tracking code, adding: the landlords are willing to receive the tracking code under the pretext that they think taxes may be deducted from them. No, this has caused a lot of problems for us tenants.
He added: “Our contract is 100 million tomans and 2 million tomans per month. For the commission of this contract, we have paid about 1 million tomans each party, but nevertheless, no tracking code has been provided to us.”
Following the news about the problems of mortgage recipients, we have heard several cases of violations by real estate consultants, in which the real estate union has warned its guilds to seal the unit, but still witnessed We provide face tracking codes as well as receive large sums in this section.
Learn to receive face tracking code by owner!
In this regard, one of the users announced; I am the head of the household and my landlord owns several residential units and has rented them out according to the routine. Gives.
Problem guarantor for the loan
The problem of the guarantor to receive the tracking code is another major problem of the tenants and borrowers of the housing deposit, to which the Central Bank has not yet responded, and on the other hand, the Ministry of Roads and Urban Development announces that it has talked to the Central Bank. We have made it easier for borrowers.
It seems that in many banks, in addition to borrowers having to bring two official guarantors and employees, they also have to bring checks and promissory notes worth several million tomans, which has caused frustration and upset for many tenants.
Strong deposit loan is still invalid!
According to this report, Mahmoud Mahmoudzadeh, Deputy Minister of Housing and Construction, recently stated that quotas have been introduced to various banks, but the banks have not yet paid the facilities to the applicants and claim that their credits have been exhausted. Markazi should follow up on all these issues, and currently the Ministry of Roads and Urban Development is following up and corresponding to the payment of facilities by various banks and branches.
He continued: “The Ministry of Roads and Urban Development is taking the necessary measures to pay the facilities to the applicants, and to facilitate the payment of the mortgage loan, we have tried to make the measures easier for individuals and quotas to all the banks whose names are mentioned in this section.” It is allocated and all cases must be followed up by banks and branches.
The Deputy Minister of Housing and Construction explained: “Previously, according to the negotiations we had, it was announced that the banks will cooperate and make the payment terms easier.”
Tracking code is a legal obligation
Mahmoudzadeh also said about the presentation of the tracking code by real estate consultants: “The tracking code is a legal obligation and according to the law, a tracking code must be issued for all contracts that are concluded in the real estate consultant.”
“If in the past the tracking code was a choice,” he said, “now it is mandatory to receive a tracking code and this must be observed in all transactions.”
The Deputy Minister of Housing and Construction reminded: Last year, in order to facilitate the applicants and those who did not have a tracking code, it was decided to issue a tracking code by paying 200,000 to 300,000 Tomans and in coordination with the Real Estate and Guilds Union, but this means It is not a formal code and all the necessary items must be registered, including the registration of the contract and the details of the tenant owner and the complete information of the property.
Seal the trade unit that does not issue a tracking code
Also, Abdullah Otadi, a member of the board of directors of the Tehran Real Estate Union, said about the problems of the mortgage loan tracking code: “Receiving the tracking code is costly for all real estate consultants, but real estate consultants should not receive any fees for providing the tracking code when concluding a lease.” On the other hand, giving a tracking code is mandatory for the tenant.
He continued: “When a contract is signed, both parties have to pay a commission of real estate consultants, but this does not mean that they have to pay another fee for providing a tracking code to real estate consultants.”
Otadi added: “It is possible that a contract has been concluded, but he has not received the tracking code, and after a while, he will have to pay the full amount of the tariff to receive the tracking code.”
A member of the board of directors of the Tehran Real Estate Union stated: For example, if the contract is 100 million Tomans and the monthly rent is 2 million Tomans, he must pay 500,000 Tomans for 100 million Tomans and 500,000 Tomans for 2 million Tomans per month, with a value added of 9%. In total, he has to pay one million and 90 thousand tomans at the time of signing the contract.
He said that currently the receipt of the tracking code has been increased due to its registration in the real estate system, he said: If the real estate consultant concludes a formal contract to provide the tracking code, it will be completely sealed according to law and all documents must be And its documents are visible and the entire contract between the landlord and the tenant must be archived within 5 years.
Setting a rent increase ceiling is unprofessional
Noting that the 25 percent rental rate set by the National Corona Headquarters has become a completely unprofessional move, Otadi added: “Unfortunately, this rental rate increase has increased inflation, and the same rental rate has been set by the mortgagee.” Banks have caused the rental market to fluctuate.
A member of the board of directors of the Tehran Real Estate Union emphasized that the payment of this loan by the banks has created a business between the banks and other sectors, adding: “If the banks or the government wants to help the tenants, it should provide facilities without interest or commission.” He paid less.
“While many landlords wanted to raise rents below this rate, the government approved a 25 percent increase and caused Prices in the rental sector will increase and the differences between tenants and landlords will increase
According to the report, although the deadline for registration in the system to receive the tracking code has been extended until December, but many applicants still face many problems to obtain this loan, most of which must be solved by the Central Bank, but by Regulatory agencies should also take steps to control and prevent the abuse of some real estate consultants in providing tracking codes.
Source: Young Journalist Club
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