How much should you spend to get a mortgage?
According to Tejarat News, due to the increase in the price of housing facility bonds to 140 thousand tomans per sheet, applicants for a 480 million toman housing loan must spend 134 million tomans to receive this loan.
stamp He wrote, in today’s trading on Sunday, July 26, the price of each sheet of housing facility certificate of pre-emption in several symbols of the sub-category of Tese had a small growth and a few symbols also decreased in price.
In general, at the end of today’s capital market transactions, the average price of each housing facility sheet is estimated to be in the range of 138 to 142 thousand tomans; Today’s cheapest deal is 134,000 tomans for housing facility bonds, and the most expensive deal is for 147,000 tomans.
Taking into account the average purchase price of each right of preemption of housing facilities of 140 thousand tomans, the cost of obtaining a mortgage for Tehrani couples with a ceiling of 480 million tomans, including 400 million tomans of a purchase loan with 80 million tomans of a housing loan, will be 134 million and 400 thousand tomans; It should be mentioned that each housing facility sheet contains a loan of 500 thousand tomans.
Monthly installments of 8.6 million tomans for only 336 million tomans
In other words, while the borrower pays 8,600,000 tomans per month with 12-year repayment in installments of this facility, but returns more than 1 billion tomans to the bank, he can only benefit from 346 million tomans of this facility.
The size of a single loan must be spent to get a home loan
Also, in order to receive individual housing loans in Tehran up to 280 million tomans, including 200 million tomans for home purchase loans and 80 million tomans mortgage loans, applicants must spend 78,400,000 tomans for the purchase of these bonds, including 140,000 tomans per sheet.
In the end, only 201,600,000 tomans remain for the applicant, with which one can buy 5 meters of a house with an average price of 40 million tomans per meter.
With a loan of 480 million, you can buy a 12-meter house in Tehran
According to the latest report of the central bank, the average price of each square meter of a residential unit in Tehran is about 40 million tomans, and couples with a mortgage of 480 million tomans can buy 12 meters of a residential unit. The said loan (480 million Tomans) only covers the cost of buying 24% of a 50-meter residential unit and 2 billion Tomans in Tehran.