How much should we spend to buy a new home loan? – Tejarat News
According to Tejarat News, Maskan Bank announced on November 6, 1402 that the loan limit from the place of purchase of housing facility bonds for couples with children has been doubled. In this way, the said facility, which was 960 million tomans before, increased to 1.920 million tomans.
Details of purchasing a new home loan
But in order to receive points for every 500 thousand Tomans from this facility, you have to buy a Tese paper. The price of these bonds is currently between 97 and 99 thousand tomans.
In this way, in order to receive a loan of one billion and 960 million tomans, 3,920 sheets of paper must be purchased, which Tehrani couples must spend about 380 million tomans.
Due to the fact that the said loan is designed in line with the youth of the population, married people living in Tehran who do not have children should purchase 1,600 sheets of facility bonds in addition to 160 million Tomans for a loan of 320 sheets for a total of 1,920 sheets to receive a loan of 800 million Tomans. With the price of 97 thousand tomans, they have to spend 186 million and 240 thousand tomans.
Tehrani singles can also receive 400 million tomans in purchase loans plus 160 million tomans in Jaala facility, with this account they have to purchase 800 sheets for purchase loans and 320 sheets for Jaala, totaling 1,120 items. Therefore, they have to pay 108,640,000 Tomans.
The ceiling for buying new housing loans in cities
The ceiling of this facility for provincial centers and cities with a population of more than 200,000 people has reached 320 million tomans for singles and 640 million tomans for couples.
Considering that single people have to buy 640 and married people living in these cities have to buy 1280 housing facility cards, single people have to pay 62 million and 80 thousand tomans and married people have to pay 124 million and 160 thousand tomans.
But regarding the loan of one billion and 920 million tomans, if a family has four children under the age of 20, and the father and the children were born in Tehran; According to the Law “Supporting the Family and the Youth of the Population”, this family, in an individual state, can receive housing purchase facilities in addition to 400 million tomans for each child, and a total of up to 800 million tomans for the purchase of housing and also for housing repairs, in addition to 160 million tomans. Tomans, 40 million Tomans for each child, in other words, up to 320 million Tomans in the form of Jaala facility, to use the premium bonds of Maskan Bank.
For example, if a couple has a child under 20 years of age, for every 800 million Tomans, the couple can receive 200 million Tomans of housing purchase facility, and for every 160 million Tomans, they can receive 40 million Tomans. Therefore, in addition to the previous 960 million tomans, this couple will be awarded 240 million tomans for their child, and they can receive a total of 1.2 billion tomans.
In this way, couples with two children can get 200 million tomans for each child for a couple’s loan of 800 million tomans (a total of 4 loan items of 100 million tomans) and 40 million tomans for cleaning (a total of 2 loan items of 40 million tomans), which is 480 It is a million tomans. With this account, one billion and 440 million Tomans will be awarded to families with two children.
720 million Tomans will be added to families with three children, which is a total of 1.680 million Tomans. Families with four children under the age of 20 can also borrow 960 million tomans for the population youth plan, which is a total of 1.920 million tomans.
The maximum amount of facilities that can be used by couples in Tehran is 1 billion and 600 million tomans for the purchase of premium bonds and 320 million tomans for the purchase of housing.
Of course, married people with children in the cities can also use the mentioned scheme of doubling the amount of the loan.
The repayment period of the facilities subject to this instruction can be increased by two years for each child under the age of 20 (for a total of five children and up to a maximum of 10 years) in simple installments. Currently, the bond loan repayment time is 12 years, which can be increased to 22 years according to the youth plan.
Granting this facility is conditional on the fact that the fertility rate of the city where the father and child were born is not higher than 2.5.
According to the deadline for the implementation of the law, it will be possible to grant the facilities subject to this instruction until November 1407 at the latest.
Source: ISNA