Is the mortgage loan paid?

According to Tejarat News, providing shelter as one of the most basic and irreplaceable needs of every household has become a difficult issue in the last 8 years. In the meantime, the wrong and ineffective actions and policies of politicians, on the one hand, and ignoring the real issue and the real solution, and on the other hand, have caused the situation to become more difficult for the people in the last two years.

Meanwhile, in August of last year, the Ministry of Roads and Urban Development announced the payment of housing deposit facilities to tenants following the astronomical increase in rents and the recession in the country’s economy caused by the outbreak of Corona.

These facilities, which faced religious problems in the first step, were renamed from Mubahha contract to goods and services after the decision of the jurisprudential council of the Central Bank.

According to the details published by the Ministry of Roads and Urban Development, the groups eligible to receive the facilities subject to this decree, including workers and fixed wage earners (with priority for new marriages and families of five or more), are covered by the Imam Khomeini Relief Committee. ), The country’s welfare organization and women were heads of households.

The banking network is not interested in paying the housing deposit facility

A noteworthy point in the process of paying for housing facilities since last year was the lack of motivation of the country’s banking system in the face of these facilities and its payment to the people. For example, follow-ups in September last year, a month after the plan, revealed that out of 10 major banks in the country, the mortgage lending directive has not yet been notified to the branches of 7 banks, and in the other banks that have been notified, the lending process has not started yet. Is.

The housing deposit facility, the payment process of which started last year, continued this year as well, and based on the latest information transmitted by the Kroneh headquarters, the registration period for tenants to receive these facilities was extended until December 1400, as well as the system. A bank is also obliged to pay the housing deposit facility by the end of February, 1400.

According to Mahmoud Mahmoudzadeh, Deputy Minister of Housing, Ministry of Roads and Urban Development, by the end of September 1400, 1.2 million applicants have registered for housing deposit facilities, and according to this, about 340,000 applicants have uploaded their documents and 17,000 people have deposited facilities. Have received housing.

Investigating the problems of tenants in the process of receiving a mortgage loan

A noteworthy point in the process of paying for housing facilities is that this is not the whole story, and many applicants for housing deposit facilities are currently facing a very big problem.

Currently, tenants who have registered in the housing deposit facility registration system and have received the conditions for receiving the facility from the Ministry of Roads and Urban Development as a legal reference, are faced with a significant message in the selection phase of the bank.

Currently, in the selection process of the bank, only 4 banks, Kosar, Eghtesad Novin, Melal and Saman, can be selected. Accordingly, if the applicant chooses the three banks Eghtesad-e-Novin, Melal and Kowsar, he will be faced with a message stating that “due to the expiration of the bank’s credit, it is not possible for you to choose the branch at the moment, please refer at another time.”

One hundred percent illegal action of Saman Bank in paying the housing deposit facilities

In this regard, the only bank that allows the applicant to choose a branch is Saman Bank, but according to field observations, choosing Saman Bank is a proverb of falling into a hole and falling into a well, because Saman Bank is a reference in difficult living conditions for tenants. It has been legislated and has seen itself as superior to the highest legislative bodies of the country, and in a 100% illegal act, it has launched a separate jurisdiction review system.

Based on this, the tenants applying for housing deposit facilities, who have already been introduced to the bank as eligible applicants by the Ministry of Roads and Urban Development, must obtain a special privilege from the bank so that Saman Bank can start the process of paying the facilities to them. To take.

According to field reports, the number of sources of income is one of the issues that the bank pays attention to when paying for housing facilities. In addition, according to an employee of Saman Bank, the bank has not paid any housing deposit facilities so far.

It seems that the country’s banking system, which is accustomed to paying facilities to companies and holdings under its auspices, is not aware of the many problems of tenants and in these circumstances, contrary to the law, makes tenants face more difficult conditions every day.

Undoubtedly, the National Corona Headquarters, as well as the Ministry of Roads and Urban Development, as the custodians of this area, must make it possible to implement the law on housing deposit facilities as soon as possible and prevent double pressure on tenants.

Source: فارس

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