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Details of the housing policy package/ How many thousands of people got a loan and a housing deposit?

According to Tejarat News, the latest news from Housing loan And read the housing policy package.

Quoted from Young reportersThe details of the government’s decision to organize the housing rental market were reviewed today in the presence of Parvaneh Aslani, Director General of the Housing Economics Office of the Ministry of Roads and Urban Development and Bijan Khatibi, a housing expert.

Please explain the details of the housing policy package?

Parvaneh Aslani, Director General of the Housing Economics Office of the Ministry of Roads and Urban Development: The package approved by the Council of Ministers regarding the organization of the housing market and rents can be used to pay housing deposit assistance facilities, create incentives for landlords, rate the services of real estate consultants and improve their technical and specialized capabilities and help complete and delivery of half-finished housing projects (private and supportive).

According to this resolution, the Central Bank is obliged to provide housing deposit assistance to tenants every year, with the announcement of the Ministry of Roads and Urban Development and in accordance with the relevant regulations and within the limits of the approved credits.

The central bank is also obliged to provide conditions that, upon the tenant’s request, he can repay the principal of the facility within the framework of the relevant laws and regulations, and during the period of receiving the facility until its repayment, only the interest of the facility is paid to the bank on a monthly basis. to pay

The installments paid for the benefit of the facility can be adjusted in the future years if the repayment time limit of the principal is changed, and if the tenant requests, the repayment time limit is extended for one year, and it can be extended for future years as well, upon the bank’s approval.

What is the amount of mortgage loan installments in the new policy?

Director General of the Housing Economics Office of the Ministry of Roads and Urban Development: Before this, the amount of housing deposit installments, for example, in loan 100 million was 2,500,000 tomans, but in the new method, it is 1,500,000 tomans per month in the new housing deposit installment policy.

How has the service rate of real estate consultants changed?

Director General of the Housing Economics Office of the Ministry of Roads and Urban Development: The service rate is the result of two components of the property price and the second rate is for the commission. Now, every service in the field of real estate from the municipality is based on the basis of the service rate based on the property and the property calendar, which is determined by the officials of each city. .

Will the housing market improve with these policies?

Bijan Khatibi, a housing expert: An economy that is governed by orders will fail, and this action has a role in all economic sectors.

This package will not have long-term effects, and the government must take fundamental steps in the field of housing production, and if it does not reach one million per year, it will be a problem. The production should be so high that it does not need to provide the package.

Have the new government approvals been announced or not?

Sahabi, Central Bank Credit Deputy: The Money and Credit Council notified the Central Bank before the package was presented, and we also notified the banks of this decision, and applicants can apply for this facility by registering in the support system from June 31. to receive to banks.

The new resolution regarding the benefit of the facility has not been announced yet, but in the new resolution, applicants must pay the principal of the facility within one year and return the interest within the stated period.

The new policy of the Central Bank is to facilitate this issue, and according to this policy, we have facilitated guarantees for micro-facilities and announced that they will provide acceptable collateral.

How effective can this policy be in the housing market?

Aslani: With this new policy, we have performed the basic surgery that we have been looking for for years, and this new policy will definitely be effective.

The rent is in line with the rate of inflation, and whenever the rate of inflation increases, the rate of rent increases as well. According to the new resolution, the facility payment must be paid to the central bank every year with the announcement of the Ministry of Roads and Urban Development. In the new policy, we have considered incentives for lessors, including payment of loan facilities and tax discounts and other incentives.

Relative calm in the market will prevail with this new policy and this 25% rent ceiling has been set by the Council of Heads.

How effective can these incentive policies that the government has planned for landlords be?

Khatibi: Incentives are not strong enough to control the rental market, and tax discounts are not effective because tax collection is still not at a level where these policies can have an effect.

How long is the time limit set by the resolution to deal with the cases? And what is the plan of the dispute resolution council?

Mohebi, Judicial Deputy of the Development Center of the Dispute Resolution Council: Everyone must comply with this resolution and it gives the rights of both the owner and the tenant. This is not the year 76. But this two-month deadline is for those who have a more serious and exceptional dispute.

How effective will the change in the rate of real estate consultants be in the housing market?

Mohebi, Judicial Deputy of the Development Center of the Dispute Resolution Council: The services of real estate consultants for the purchase and sale of property based on a percentage of the transaction value of the property subject to Article (64) of the Direct Taxes Law, in compliance with the notes below and for property rental matters based on a percentage of the rental value of the subject Article (54) of the law on direct taxes is determined based on the trade union law, and the supervision commission of each city is obliged to amend the rates applied by the real estate advisors guild within one month after the notification of this decree, in the implementation of article (51) of the trade union law.

All housing contracts must be registered in the real estate system, and people are required to receive a tracking code, and if they do not register in the system, it is considered as an empty house.

We are now in the moving season. When will the plan of real estate consultants be implemented?

Aslani: There are 15 days from the notification to implement the plan, but it should be taken into account that there will be no change in the price of the residential unit, only in the area of ​​changing the rates of real estate consultants.

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