How to quickly get a deposit loan/deposit loan interest decreased?

According to Tejarat News, read how to get a deposit loan quickly.

Quoted from Online economyHousing has always been one of the most important concerns of people; In these years, with the increase in rent, tenants also have many concerns for housing; For this purpose, the Ministry of Roads has made it possible to receive housing deposit loans.

Conditions for receiving a loan and deposit

A person applying for a housing loan must have the following conditions:

1- The loan applicant must be married or the head of the household.

2- The lease provided by the person applying for a housing loan and deposit must be officially prepared or registered in the Iran Real Estate System and have a tracking code from April 1, 1401 onwards.

3- The date of the provided lease must be up to the end of the housing loan registration period.

4- People who have used housing deposit assistance facilities in 2019 and 2019 according to the approvals of the National Corona Headquarters, are not able to use these facilities.

5- People applying for this facility and their spouses, according to the bank’s inquiry from Central Bank’s Samat system, should not have current facilities in the housing sector. If at any time their ownership history is ascertained at the time of registration, they will be removed from the process of receiving the facility, and if they have received the loan, they will be obligated to return all the received facilities and compensate for the related damages and crimes.

6- The applicant must have at least 5 years of residence in the requested city.

7- Not receiving any kind of housing facilities from the government, whether institutional house or land and national housing plans, is one of the necessary conditions for receiving this loan.

8- Submitting a promissory note to the bank or a certificate of deduction from rights or equity shares and the applicant’s computer account is considered as a loan guarantee, but if the applicants do not have any of the documents mentioned above, regarding receiving the 30 and 50 facilities million Tomans, they must declare a guarantor, and to receive the facility of 15 million Tomans, there is no need to introduce a guarantor, and they can also receive this loan by presenting a check and promissory note.

9- The date of the lease must be from the beginning of 1401 onwards

10- The mortgage amount must be the same as the deposit loan you are applying for or more.

Note that the recipients of housing deposit loans are excluded from the list of the National Housing Plan!

Although the main purpose of allocating this loan from the Ministry of Roads and Urban Development is to help families and married people, this loan is also granted to single people under special conditions.

How to get a deposit loan for singles

Single men can receive loans under the following conditions:

1- Has an official divorce certificate and a child

2- Scientific elites by introducing the National Elites Foundation of the country

3- Physically disabled people with at least 20 years of age and introduced by the country’s welfare organization

Unmarried women are eligible to receive housing deposit loans under the following conditions:

1- Has an official divorce certificate and a child

2- Self-caregiver single woman over 35 years old

3- Scientific elites by introducing the National Elites Foundation of the country

4- Physically disabled people with at least 20 years of age and with the introduction of the country’s welfare organization

The amount of this loan is 100 million Tomans for Tehran metropolis, 70 million Tomans for other cities (Karaj, Qom, Tabriz, Mashhad, Isfahan, Shiraz and Ahvaz) and 40 million Tomans for other cities. In the initial news, interest on housing loan and deposit was considered to be 18%, but the new news indicates that it has changed to 13%. And the repayment period is five years.

20 banks are responsible for the payment of housing deposit loans, of which the banks, Melli, Sepeh and Maskan have the highest quota and Iran Zamin, Middle East and Mellon have the lowest quota for the payment of housing deposit loans.

What are the procedures for registering a mortgage loan?

Text Kodmali to 300073640 with the mobile number that is named after the head of the household.

Then, complete the registration process in the housing loan and deposit registration system at tem.mrud.ir.

With SMS registration, the applicant’s conditions are checked first, and then by sending an SMS to the head of the household and introducing the lending bank, the individual’s information must be completed in the system.

After the loan applicant is introduced to the bank branch to receive this loan, he must complete his documents and present them to the bank and also introduce his guarantors to the bank within two weeks, otherwise, the application He is rejected.

Applicants for the housing deposit assistance facility who object to receiving this facility can register their complaint in the central bank’s “registration and handling of complaints” system by referring to the address https://crm.cbi.ir/ They will be subject to a tax penalty if they refuse to grant housing deposit assistance facilities without having a bank justification within the limit of the notified quota for each bank.