Loan of 960 million tomans to buy housing, a strange joke of the government with the people
Regarding the 19 million tomans installments of the 960 million tomans loan for the purchase of housing, the member of the parliament’s construction commission says: The fact is that I, as a member of the parliament, cannot afford to pay the installments of 19 million tomans for the housing loan, let alone workers and employees who are not home owners.
Emphasizing that I am sure that no one can pay the installments of 19 million tomans, Rahmatoleh Firouzi adds: Those who decide on the design of the model of this facility and the amount of its installments, should pay attention to how the family can afford to pay the installments of these loans. come up
A member of the Parliament’s Construction Commission states: Currently, the average salary of employees is 12 million Tomans, but many applicants for housing and those who are not home owners are from the working class or do not have a job, so receiving this loan is impossible for most people.
Meanwhile, the housing loan has increased from 480 to 960 million tomans, which economists and experts believe that only a limited class can use this loan. It is the same group that is more looking for investment in the housing sector and not that they have a real need. This means that the real consumption part of housing is marginalized and speculation is fueled. Based on this, housing market analysts emphasize that the loan of 960 million tomans is just a show.
But why is there no optimistic view of the 960 million tomans housing loan? This refers to the possible loan repayment figure. The calculation of repayment of the new loan installments shows that the monthly installments of the 960 million tomans housing loan are 19.3 million tomans. The total repayment of the loan is 2 billion 780 million Tomans and the total loan interest is more than 1.8 billion Tomans; A number that has surprised many housing applicants. Of course, this point is also relevant and that the purchase amount of pre-emption bonds should be added to the cost of the purchase loan.
In other words, it can be said that in order to receive a loan of 960 million tomans, a housing applicant must spend as much as buying a 50-meter house, which is approximately 56 million tomans per meter, in order to be able to buy a house the size of a third of that house.
960 million tomans housing loan is for the rich
Experts on whether mortgage helps the housing market? They say: it must be said that mortgages help the market; Except for the purchase of housing by high income groups.
The repayment of the loan of 960 million tomans is not enough for people with normal incomes to handle it, so it helps that the group who are looking for investment to buy housing, use this loan and finally rent these houses.
Emphasizing that this loan does not help the real consumption sector, experts say: Currently, few consumers can repay the installments of 19 million tomans.
Yazdani, an expert on the housing market, points out that the figure determined for the mortgage loan is not in line with the market prices and states: The important thing here is that this number should be low, because currently no one can afford to buy housing. I don’t think you can find a house in Tehran for less than 60 million tomans per square meter. A 50-meter house costs 3 billion tomans. This loan covers one third of this figure.
He notes: The important thing is that the loan-based solution is not the answer in the housing market. Currently, the housing sector has no solution except to fix everything from the ground up.
He says: The house is completely ruined and these ruins must be repaired. That is, it should be started from the macro economy, the governance system, so that the country’s economy gets out of chaos.
This housing market expert emphasizes: the solution of the housing market is not within the housing sector, organizing the macro economy is a necessary condition to be able to organize the housing sector.
How can you pay the installments of 19 million with a salary of 12 million?
The figure set for mortgage repayment has even raised the voice of parliamentarians; Rahmatoleh Firouzi, a member of the Parliament’s Construction Commission, says about the 19 million toman installments of the 960 million toman loan for the purchase of housing: the fact is that I, as a member of the parliament, cannot afford to pay the 19 million toman installment for the housing loan, let alone a worker. and employees who are not landlords.
Emphasizing that I am sure that no one can pay the installments of 19 million tomans, he adds: Those who decide on the design of the model of this facility and the amount of its installments, should pay attention to how they will be able to pay the installments of these loans with these conditions of the family. .
A member of the Parliament’s Construction Commission states: Currently, the average salary of employees is 12 million Tomans, but many applicants for housing and those who are not home owners are from the working class or do not have a job, so receiving this loan is impossible for most people.
Source: Khabaronline