Is the construction of national housing accelerated? – Tejarat News
According to Tejarat News, the details of the leap plan facilities Housing announced.
According to the Public Relations of the Central Bank, the deputy of the credit department of the Central Bank, referring to the law on the surge in housing production, said: According to the law on the surge in housing production, the operating banks are required to allocate 20% of the payment facilities to the housing sector, which this law along with the relevant bank quota Immediately after the approval in the Islamic Council and its notification by the presidency, it was communicated to the banking network.
Sahabi emphasized the need for greater coordination between the Ministry of Roads and Urban Development, the Central Bank and the banks in order to speed up the implementation of the law and said: the instructions related to the law on the jump in housing production were prepared with the cooperation of the Ministry of Roads and Urban Development and were communicated to the banking network, while Paying attention to the approvals of the Supreme Housing Council and the uncertainties raised by the banks and the Ministry of Roads and Urban Development in order to facilitate the implementation of the said law, it was updated and communicated to the banking network. Also, the individual ceiling of facilities was proposed and approved in the Money and Credit Council.
Defects of the National Housing Movement Plan
Referring to the bank-oriented nature of the financing of this law, the Deputy Director of Credit Department of the Central Bank added: One of the most important problems of the National Movement plan is that its financing is considered to rely solely on banking resources and facilities, and the banking network is based on The numerous tasks assigned to it according to various laws and approvals are practically facing limited resources and one should be careful that the implementation of these tasks due to their multiplicity and the financial situation of the banks leads to the use of the powerful money of the central bank which actually leads to an increase Liquidity and monetary base growth and finally double inflation which is one of the red lines of the 13th government.
Sahabi added: The mentioned project is system-oriented, and practically from the beginning of registration to the payment of the facility, it must be done through the system of the Ministry of Roads and Urban Development, and the communication between the banks and the system of the Ministry of Roads and Urban Development has been practically problematic until the last few months, and recently it was possible to connect to the system. And the introduction of applicants to the operating banks is provided through the system.
He continued: Bank Maskan, which has been connected to this system for similar projects since the previous years, has performed well at the moment, so that 630,000 billion Rials contracts have been concluded with applicants for National Movement projects by Bank Maskan with applicants in the amount of 213,000 billion. Rials for the facility have also been paid.
Rural housing facilities and housing deposit
The deputy of Central Bank’s credit department added: among other things to be mentioned, it is worth noting that the aforementioned law is not only about urban housing facilities, and in addition to this chapter, rural housing facilities, unforeseen events and housing deposits are also being implemented in the same framework. and payment. In such a way that since July of this year, when the housing deposit facility ceiling was approved and notified by the Money and Credit Council, 159 thousand cases have been filed and 121 thousand facility items have been paid in the amount of 69 thousand billion Rials. In addition, regarding rural housing, 66 thousand billion Rials of facilities were paid last year. Also, 57 thousand billion Rials of facilities for the construction and renovation of rural and urban places have been damaged and unexpected events have been paid by the banking network.
Referring to the wide acceptance of the people at the beginning of the plan, Sahabi said: Although the plan was well received at the time of registration, about 333,000 people have already paid their share, and the effective applicants of the said facility have paid their share. , a significant drop compared to the previous designs is observed.
In the end, the Deputy Director of Credit Department of the Central Bank noted: Also, the quota for the current year of the Housing Production Jump Law, in the amount of 4.580 thousand billion Rials, has been notified to the operating banks on September 31st, and it is hoped that the project will be implemented within the framework of the resources and expenses of the banking network. Fixing the defects of the Ministry of Roads and Urban Development system (even now, the central bank as a supervisory body does not have an information dashboard in this system) as well as the agenda of the government regarding diversifying the financing of this project, should be accelerated.
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