Government loans to house tenants / from 100 to 850 million tomans!
According to Tejarat News, the government is talking about a housing leap plan these days, a plan that is supposed to house four million tenants, but these units are supposed to be handed over by the end of the government of Ibrahim Raisi.
The most loans that households can get Mortgage Of course, this does not mean that every tenant can go to the bank and get a loan, there are conditions.
Mortgage lending
According to the law on the leap in housing production and the decisions taken by the Monetary and Credit Council, the mortgage ceiling in Tehran is 450 million tomans. The amount of this loan for cities with a population of over one million is 400 million tomans. Applicants of provincial centers have a loan of 350 million Tomans, other cities of the country 300 million Tomans and residents of villages 250 million Tomans.
The interest rate of this loan is 18% and its installments are 20 years, ie 240 months. Probably there is no strict guarantor since the loan goes to the builders and the mortgage remains in the bank until the repayment.
According to the difference in the loan amount, Tehran residents pay the highest installment of seven million tomans. The villagers also pay the lowest mortgage installment by paying 3 million and 858 thousand tomans.
Loan of 480 million Tomans
Tenants can register with the scheme and obtain a mortgage from the bank.
In Tehran, the ceiling of individual housing facilities is 200 million Tomans, forged individual housing is 80 million Tomans, for couples is 400 million Tomans and forged couples is 80 million Tomans. That means a Tehran couple can earn 480 million tomans Mortgage To take.
The interest rate of this loan is 18% with 20-year installments, its installments are estimated at seven million and 407 thousand tomans.
Loan of 850 million Tomans
This loan is the largest amount of loan paid for the purchase or hard housing, but the conditions are more difficult.
In the youth plan, the ceiling of housing facilities for purchase, construction and forgery will increase by 25% per child. The repayment period is also two years longer for each child.
As it was said, a couple in Tehran can get a mortgage of 480 million Tomans. According to the youth plan of the population, 25% of the mortgage ceiling will be paid per child. According to the ceiling of 480 million Tomans, the amount of this loan is estimated at 120 million Tomans per child.
Therefore, a family with three children receives a total of 360 million Tomans in child-rearing mortgages, which with 480 million Tomans in a couple’s mortgage, the total loan amount is estimated at 840 million Tomans.
Installments, interest rates and repayment time of this loan are not known.
Mortgages for the villagers
There are three types of villagers Mortgage They can take.
200 million Tomans: The head of the Housing Foundation said that a loan of 200 million Tomans will be paid to the villagers with a 5% interest. Considering that the installments of this loan must be repaid in 20 years (240 months) and its interest rate is considered to be five percent, each installment is estimated at one million and 320 thousand tomans.
250 million Tomans: A loan of 250 million Tomans will be given to the villagers in the form of a national housing plan, ie a person who lives in the village and registers in this plan will be subject to a loan of 250 million Tomans.
The loan interest rate in the housing leap plan is 18% according to the decision of the Monetary and Credit Council. The repayment period of this loan is 20 years (240 months), so its installments are calculated at three million and 858 thousand tomans.