Lucky bank loan hunters
When the issue of loan payment and bank facilities comes up, a group closes their eyes, tightens their muscles and say that this opportunity will never be given to us common people. However, newly published information and statistics show that last year, one million and 945 thousand people managed to overcome this negative theory, and with persistence and persistence, more than 169 efforts of facilities in the form of marriage loans, childbearing and housing deposits from the network receive from the country’s bank. If we divide the total amount of the loan paid by the number of beneficiaries, we arrive at an average number of 86,870,000 Tomans per person, which is an amazing number in its own right.
According to Ferraro’s report, the marriage facility last year was equal to 120 million tomans for each person, but if the woman was under 23 years old or the man chose to marry before the age of 25, he could receive a loan of 150 million tomans. There are no exact statistics available on the total number of applicants for marriage loans, but the Central Bank says that the country’s banking network has managed to respond positively to the requests of 896,52 people at the end of the difficult and exhausting year of 1401. Naturally, part of the applications remain undecided due to the inability of the applicants to complete the required documents or provide a valid bank guarantee. let’s move on; In any case, the total amount of marriage facilities paid last year was 123 hemat or in simple language 123 thousand billion tomans. This means that almost 137 million and 270 thousand Tomans of marriage loans have been granted to each applicant. Last year, the marriage facility was given to applicants with a 10-year repayment term, and they have to pay about 1,100,000 tomans for a 120 million toman loan and 1,360,000 tomans a month for a 150 million toman loan.
The marriage loan of 1402 has increased compared to the previous year and has reached at least 180 million tomans per person. If the bride is less than 23 years old or the groom is not yet 25 years old, they can receive a marriage loan of 220 million Tomans. If both of them get such a loan, they will receive a total of 440 million tomans, which is a significant amount, especially for starting life. It should not be forgotten that marriage facilities are paid nationwide and there is no difference between the amount received for marriage facilities for residents of Tehran, provincial centers and small towns. It remains to be able to pay the installments, which this year for the loan of 180 million will be 1.6 million tomans per month and for the facility of 220 million, it will be approximately 2 million tomans per month, and the husband and wife must be able to pay the facilities of both loans.
Learn more The installments of the 1402 marriage loan are paid with a four percent fee and a 10-year repayment period within 120 months. In this way, recipients of 220 million Tomans loans must pay two million monthly installments. The four percent fee will be deducted over 120 months so that the applicants pay back the 10 installments with a higher figure to the bank. For example, the first installment of a loan of 220 million will be eight million and 800 thousand tomans. The first installment of the second year reaches seven million and 920 thousand tomans. The installment of the marriage loan of 220 million at the beginning of the third year will be seven million and 40 thousand tomans. The first installment of the fourth year is equal to six million and 160 thousand tomans and the first installment of the fifth year is five million and 280 thousand tomans. When paying the first installment of the 6th and 7th years, you should transfer 4 million 400 thousand tomans and 3 million 520 thousand tomans to the bank account, respectively. The installment of the marriage loan of 220 million tomans at the beginning of the eighth year will be two million and 620 thousand tomans. The ninth year starts with the payment of one million and 760 thousand tomans, and at the beginning of the tenth year you have to pay an installment of 880 thousand tomans.
Childbearing facility 1402 is granted to children born in 1400 and later. According to the law, banks give loans to applicants 30 million tomans for the first child, 60 million tomans for the second child, 90 million tomans for the third child, 120 million tomans for the fourth child, and 150 million tomans for the fifth child and more. Fathers whose children have such conditions and whose date of birth is from the first day of April 1401 onwards, have a maximum of two years after the birth to register online for childbearing facilities.
The humble winners of the 1402 marriage bank loan have increased compared to the previous year and reached at least 180 million per person.
It is possible to pay the Qarzul-Hosna childbearing facility to the father once for each child born. The repayment period of each of these facilities is three years, four years, five years, six years, and seven years, respectively, and according to the six-month breathing period, the first installment of the loan for childbearing is due six months after the date of the marriage. Contract and payment will be the facility. After registering in the relevant system, after 12 working days, applicants for child bearing loans must submit documents such as original and copy of all birth certificate pages of father and child, original and copy of father’s national card, 10-digit postal code and full address of residence and tracking code 10 Go to the branch introduced by the system and request to file a case. In addition to the promissory note, a valid guarantor is required to receive the loan facility for children. Applicants have 45 working days to complete the documents and provide a guarantee accepted by the bank.
The central bank says that during the year 1401, the country’s banks have given 33 loans to applicants for childbearing facilities. The number of lucky applicants is reported to be 824,908. This means that last year, each applicant managed to get almost 40 million tomans of childbearing loans.
Learn more If you had two children before the year 1400 and the date of birth of your child is on April 1, 1400, you can register in the system according to the law and apply for 90 million Tomans as a facility for having a third child by completing the documents. The interest on the childbearing loan is paid according to the rules and regulations of Qarz Al-Hasna loans
224 thousand 460 people received housing deposit facilities in 1400. Compared to the unofficial statistics of the country’s tenants, the number is small, but the central bank says that since July 6th until the end of the year, 253,211 applicants for housing deposit facilities have successfully filed, so it is satisfied with the final statistics. Statistics show that the country’s banks have paid a total of 13 hemats, equivalent to 13 thousand billion tomans, of housing loans and deposits last year. By dividing the total figure of the payment facility by the number of recipients, we reach an average figure of 58 million Tomans. The central bank has extended the payment of the housing deposit facility with last year’s conditions until the end of September 1402, but those who used this assistance in 2014 and 2014 will not be able to receive it.
Housing deposit loan is basically for married people, but single women over 35 years old and single men over 45 years old can count on receiving it. Having and submitting an official lease is another condition for receiving a housing loan and deposit, and its installments, including a five-year repayment period and 13% interest, are two million and 275 thousand tomans in Tehran and 906 thousand tomans in small cities. Of course, some applicants have reported that they had to pay 18% interest in some banks.
The limit of housing loan and deposit in Tehran is 100 million tomans. Taking into account the 13% interest and the repayment period of 60 months, the applicant for housing deposit loan in Tehran must pay two million and 275 thousand and almost 300 tomans monthly. After five years, this applicant returns 136 million 518 thousand 438 tomans to the bank for the 100 million he received as housing deposit facility.
Housing loan and deposit for applicants living in other cities except Tehran is 70 million tomans. This figure is paid to applicants in Karaj, Qom, Tabriz, Mashhad, Isfahan, Shiraz and Ahvaz, and those who receive facilities, considering the five-year repayment period, must set aside one million and 592 thousand Tomans per month as installments. In this way, at the end of 60 months, the total amount returned to the bank instead of 70 million loans will reach 95,562,907 tomans.
The amount of housing loan and deposit in other cities of the country is 40 million tomans. Taking into account the interest of 13% and the repayment period of five years, the recipients of this loan must be able to pay the monthly installment of 910,123 tomans. The figure that this group will return to the bank after 60 months will be equivalent to 54 million 607 thousand 375 Tomans.