How to get a mortgage?
According to Tejarat News, it is possible to receive two or more housing loans at the same time, depending on the conditions that will be discussed below.
First of all, it should be said that mortgages can be obtained professionally from the Housing Bank and recently the National Bank, but other banks pay loans called mortgages or repair loans to applicants for housing, the amount of which in some banks is sometimes up to 200 It also reaches one million tomans, but in total, only Maskan Bank and Bank Melli pay the mortgage loan. In addition, the fake loan will be paid up to 80 million Tomans in the Housing Bank.
The housing bank pays the mortgage in two ways: the first mortgage and the bond loan.
In the first type, the first mortgage is granted to those who are using the mortgage facility for the first time. To get a home equity loan, applicants must first deposit in a housing bank.
The second type is a facility that can be purchased without queuing and paying the loan amount.
Currently, the ceiling for receiving a mortgage in Tehran is 480 million Tomans for couples and 280 million Tomans for singles. In the centers of provinces and cities with a population of over 200,000, the loan ceiling for couples is 320 million Tomans and 160 million Tomans for singles. Borrow more than the specified ceiling.
In this case, if someone has already received a smaller loan on their mortgage, they can increase the amount of their loan by buying bonds up to the facility ceiling. For example, if a couple in Tehran had previously borrowed 240 million Tomans on their house, they can apply for another 240 million Tomans loan on the same house so that the loan amount reaches the ceiling of 480 million Tomans.
Under these circumstances, how can you get two or more mortgages? Individuals can get a separate loan if they buy two or more houses. Of course, this rule does not apply to forged loans or repair loans, and people on a house can get multiple forged loans. Of course, provided that the first loan installment has been completed and the previous loan applicant has fully settled.
Get two loans with one document
Simultaneously with providing facilities in the Housing Bank, Bank Melli also pays housing purchase facilities, but can the facilities of the Housing Bank and Bank Melli be used to buy a house at the same time?
The answer to the question is that banks usually do not accept to be a second mortgage except for their own employee. This means, for example, that when you take a loan from a housing bank, you submit your document to the housing bank. In this case, the National Bank usually does not accept to give you a loan on the same open document. Because in this case, to receive his request is in the second priority.
Source: EconomyOnline