Mortgage prices across the country

Home loans have many applicants. Home loans have different conditions. The mortgage has relatively heavy installments. Mortgages are not paid in the same amount in all cities. Mortgage It has new conditions.

The review of the latest price of housing bonds indicates that each sheet of housing loan bonds (TSE) costs 126,400 tomans in April of last year, 126,600 tomans in May, and 125,300 tomans in June.

Each sheet of housing facility bonds of Maskan Bank is traded for 125 thousand 400 Tomans in July of last year, 125 thousand Tomans in August of last year and 125 thousand Tomans in September of last year.

These bonds cost 125,300 tomans in October last year, 126,400 tomans in November, and 125,400 tomans in December.

In January and February of last year, housing facility bonds were traded at the prices of 125,300 and 125,700 tomans. This paper has a price of 126 thousand 700 tomans this year, and this report was written based on this price.

The price of papers for Tehrani singles and married people

Based on this, singles living in Tehran can receive up to 280 million tomans in facilities, which includes 200 million tomans in housing purchase facilities and 80 million tomans in mortgage loans. Therefore, in order to receive a loan of 200 million tomans, they have to buy 400 sheets of housing facilities, and the cost of this number of papers is 50 million and 680 thousand tomans with a price of 126,700 tomans. Also, considering the 80 million tomans loan for which they have to buy 160 sheets for the amount of 20 million and 272 thousand tomans, the total cost of buying the papers reaches 70 million and 952 thousand tomans.

On the same basis, Tehrani couples can receive up to 480 million tomans, including 200 million tomans of housing purchase facilities for each person and 80 million tomans of loan. Therefore, the couple must purchase 800 housing facility sheets, which costs 101,360,000 Tomans, which, together with the cost of 20,272,000 Tomans for the loan, for which they must purchase 160 housing facility sheets, totals 121,632,000 Tomans. to pay

The price of bonds in other provinces

The ceiling of this facility for provincial centers and cities with a population of more than 200,000 people has reached 160 million tomans for singles and 320 million tomans for couples.

Considering that singles have to buy 320 and married people living in these cities have to buy 640 housing facility cards, singles have to pay 40 million and 544 and married people have to pay 81 million and 88 thousand tomans.

Conditions for receiving a mortgage loan for the first home

The first condition for the registration of the family home is that the registrant and his dependents have not owned a residential land or a residential unit in the last 5 years, and from 22 Bahman 2017 onwards, to obtain a government or public sector loan. Non-governmental organizations dedicated to buying or building housing have not been used. In addition to this, the applicant for a first-time home loan must not have received any housing construction or purchase facility from the country’s banking system since the beginning of 2014.

Marriage or headship of a household is another condition for receiving a first home loan. Of course, the condition of marriage has exceptions; Including self-supporting single women who are at least 35 years old. Divorced women, other single men over the age of 23 (on the condition of presenting a notarized commitment letter of marriage by the date of delivery of the housing), the country’s scientific elites (on condition of presenting a letter of introduction from the National Elite Foundation of the country) and the physically and physically disabled (on condition of being at least 20 years old) and presenting the introduction letter of the country’s welfare organization) are excluded from the condition of marriage.

The important condition for registering the first home is that the applicant must have lived in the requested city for at least 5 years in the last five years. Depositing at least 400 million Rials in the first stage of project implementation and the financial ability to pay monthly bank installments are among the most important conditions for receiving this loan.

200 million mortgage payment for the third child

Applicants for marriage and childbearing facilities can complete their registration by logging into the Central Bank system. Due to the limited start-up of this system on April 31 of this year, the central bank unveiled the child-rearing facility system by completing it.

Regarding the registration period until the branch is determined for the applicants of this facility, Sahabi stated: Applicants must enter the Central Bank system at the address “http://ve.cbi.ir” and register there. They choose their bank and branch and immediately receive a tracking code via SMS from the central bank. They have 12 days to go to the bank and be accepted at the branch from the day their branch designation was confirmed, and they have 45 days to complete the documents; If they need to provide a guarantee or residence documents, they have 45 days to complete their case and after that date, the bank has 10 days to deposit the facility into the applicant’s account.

He said: If the documents are completed, the loan will be paid for a maximum of 45 days, and the one who completes his case sooner will receive the facility sooner.

Central Bank Credit Vice President added: Yesterday this system was officially unveiled. We launched this system on a trial basis from the beginning of May, and over time, the defects that it had and the technical updates that had to happen according to the needs of the applicants were fixed. Today, all banks are connected to this system. Of course, the speed will increase, but the point about the facility of having children is that the legislator has included children and parents who were born last year in 1400; According to the official statistics of the Iranian Statistics Center, last year we had 1,100,000 births, and those born this year will also be included.

He added: At the beginning of the year, in May, when this system was launched on a trial basis, we had an influx of registrations, and over time, the number of registrations began to decrease, and the speed of bank lending increased to the same extent. Today, if we want to have statistics on the amount of payment facilities, since May 1, when this system was launched on a trial basis, 285 thousand people received facilities in the amount of more than 114 thousand billion Rials, and this process has accelerated in the past months.

Sahabi continued: The number of applicants who are in line to receive facilities is about 500 thousand, which was very high at the beginning of the year. The banks provided the necessary cooperation, besides the fact that they were responsible for the marriage loan facility, and the central bank’s general administration emphasized that these two facilities are the priority for the payment of the banking network facilities. .

Regarding the delays of banks in payments, he added: Banks consider these two facilities as their social mission in addition to the other facilities they provide, and we see the performance of the bank network that we check is better every week, even regarding marriage facilities. Since the beginning of this year, they have paid 520 thousand billion Rials in facilities, this number was 320 thousand billion Rials at the same time last year, which shows that the banking network has put this on the agenda and this rate will definitely increase. will do.

Sahabi said about the Youth of the Population Law, which includes a new facility of 200 million called the mortgage loan for the third child, and whether the applicants must register in this childbearing facility system in order to receive it. Qarz al-Hasna facility is for having children. To receive that facility, applicants refer to the six banks that have been notified to them and introduced on the Central Bank website, but there is a point that the legislator has specified that families without housing can receive this facility.

He said: The banking network currently does not have this tool, when the applicant comes, this bank branch cannot determine whether the applicant is homeless or not. These branches should be given the authority to check the applicant when he comes, of course we didn’t wait for this link, we asked the banks to limit themselves to monitoring the status of the applicant in the Samat system of the Central Bank, so that the law should not stand still and is mandatory. If the applicant did not have an active housing facility, they should consider this as an indication that the applicant lacks housing and pay them this facility.