Housing deposit loan for the third child does not need to be registered in any system
Mehdi Sahabi, Deputy Director of the Central Bank’s Credit Department, said about the conditions for paying the 200 million tomans housing deposit facility for people who have a third child: This facility is seen in the Budget Law 1401 and is specific to families. Their third child was born from 2019 onwards, and of course they have no housing.
According to him, the central bank has notified this circular only to 6 banks, housing, agriculture, cooperative development, export, trade and post bank.
Sahabi stated that the applicants should go to the bank branch first, and said: The bank takes the initial inquiry from the Samat system of the Central Bank, because according to the explicit text of the law, this facility must be paid to families without housing.
He continued and said: within the next week or two, the possibility of querying the system of the Ministry of Roads and Urban Development to determine the ownership of the 200 million Toman housing deposit facility applicants who have had a third child since 2019 will be provided.
The Deputy Director of Central Bank’s Credit Department added: Currently, the only option available to the banking system is to inquire through the central bank’s Samat system to determine that the applicant does not have an active loan facility or housing deposit.
Babian said that this inquiry is not complete and does not show whether the person owns the house or not. If the explicit text of the law is to be implemented and the family does not have a house, this inquiry should be done through the system of the Ministry of Roads and Urban Development.
He added: “Meetings have been held with the colleagues of the Ministry of Roads and Urban Development, and within the next week or two, it will be possible for the branches of these 6 operating banks to be able to communicate with the system of the Ministry of Roads and Urban Development, so that the ownership of the applicants can be fully checked.”