Details of the executive instructions for the housing deposit

According to Tejarat News, the Central Bank in a circular to the banking network, the ceiling of assistance facilities Housing deposit Announced 100 million Tomans for the detainees in Tehran, 70 million Tomans in the metropolises and 40 million Tomans in other cities.

Quoted from ایسناWhile announcing the executive instructions of the housing deposit assistance facility in 1401 from the sources of Article (4) of the Housing Production Leap Law, announced that according to Article (4) of the Housing Production Leap Law approved by the Islamic Consultative Assembly on September 20, 1400 and the approvals dated 1401/3/3 and 1401/3/31 of the Monetary and Credit Council and in order to support low-income tenants, the Executive Instruction on Assistance Facilities Housing deposit Hereinafter referred to as the “Instruction”, is hereinafter referred to as:

Article 1- Applicants subject to this instruction by the Ministry of Roads and Urban Development and based on the relevant criteria, within the framework of quotas determined through the system of housing support plans to the address https://saman.mrud.ir They are introduced to the operating banks.

Article 2- The ceiling of the facilities granted to the subjects of this instruction, according to the request of the applicant and the criteria for granting banking facilities in the urban areas of the country, is as follows:

Note: The amounts intended for the facilities subject to this article, after obtaining the required documents and inquiries made by the bank / non-bank credit institution and based on the agreement of the applicant and the bank / non-bank credit institution, can be less than Reduce designated ceilings. In this case, the applicant is obliged to modify the ceiling of the requested facilities in the system.

Article 3: The bank / non-bank credit institution is obliged to obtain an inquiry from the Central Bank Samat system before paying the facilities regarding the lack of current facilities in the housing sector, including construction, purchase, forgery and Housing deposit Take action for the applicant and his / her spouse, and if this inquiry is positive, reject the applicant’s request in the system, stating the reason.

Article 4- The facilities subject to this instruction shall be paid to the tenant by the bank / non-bank credit institution in the form of a Murabaha contract for the purchase of goods and services.

Article 5 – The mentioned facilities can be granted at the interest rate approved by the Monetary and Credit Council and repayment for a maximum of 5 years.

Article 6- The documents related to the facilities that are the subject of this instruction are in accordance with the executive instruction for granting micro-facilities notified during the Circular No. 01/24792 dated 1401/2/4 of the General Directorate of Regulations, Banking Licenses and Anti-Money Laundering of the Central Bank.

Article 7- The conditions of the applicants for receiving the facilities subject to this instruction are as follows:

7-1- Applicants must have an official lease or a lease registered in the real estate transaction registration system and have a tracking code, from 1/1/1401 onwards. The applicant is obliged to register his / her residence and ownership information in the real estate and housing system.

Note: The bank / non-bank credit institution is obliged to match the tracking code and the city listed in the system with the received lease.

2-7 – All applicants and their spouses are obliged to have no housing or real estate at the time of registration. If at any time their ownership record is established, they will be removed from the process of payment of facilities and if they receive those facilities, they will be obliged to return all the facilities received and to compensate the relevant damages and penalties.

3-7 – The applicant must be married, if the applicant is single, women must be over 35 years old and men must be over 45 years old.

7-4- Applicants who have used the housing deposit assistance facilities subject to the approvals of the Corona National Headquarters in 1399 and 1400 will not be able to use these facilities in 1401.

Article 8- If the applicant does not complete his / her documents and the guarantors within 15 working days from the date of introduction to the branches, the bank / non-bank credit institution is obliged to reject the applicant’s application in the system.

Article 9- If the bank / non-bank credit institution does not take action to grant the facilities subject to this instruction to the applicants without bank justification within the notified quota ceiling, it will be subject to the tax penalty mentioned in Note (5) below Article (4) of the Housing Leap Law.

Note: The operating banks are obliged to continue the process of paying the facilities to the applicants until the completion of the notification quota by the Central Bank in 1401.

It is worth mentioning that the Central Bank has already approved the Monetary and Credit Council on June 30, 1401 regarding the increase of the ceiling of assistance facilities. Housing deposit Had informed the banking network.