New details of mortgage loan / payment terms? + Registration link

According to Tejarat News, this year also due to the situation of the rental market Mortgage loan Intended for tenants. The Central Bank has announced the terms of payment of these facilities to the operating banks in a circular.

Mortgage loan amount 1401

According to the Central Bank’s directive, the amount of the mortgage loan is between 60 and 35 million tomans. The amount of mortgage loan in Tehran is 60 million Tomans, in provincial centers and cities with more than 200,000 people is 45 million Tomans and in other cities is 35 million Tomans.

The important point is that despite the significant increase in housing rent this year, the ceiling of mortgage loans in Tehran has not only not increased but also decreased from 70 million tomans in 1400 to 60 million tomans in 1401.

What are the conditions for receiving a mortgage loan?

The repayment period of the mortgage loan is five years and the interest rate of this loan is 18%. The installment amount of the 1401 mortgage loan has not been determined yet, but it seems that the monthly installments of this loan in Tehran are less than one million and 500 thousand tomans per month and in other cities it is about one or less than one million tomans.

Applicants for a mortgage loan must register with the “Ministry of Roads and Urban Development System” at saman.mrud.ir Visit. After registering, this system introduces qualified people to the operating bank.

Which banks give mortgage loans?

According to the Central Bank’s directive, 20 banks will pay 1401 mortgage loans. Bank Maskan, Melli Iran, Sepah, Post Bank, Tejarat, Saderat, Refah, Mellat, Ayandeh, Parsian and Parsargad are among the banks that provide housing deposit loans. The following table shows the full names and quotas of the banks that provide mortgage loans:

Deposit loans are the reason for the increase in rental prices

But what effect does this facility have on the housing and rental market?

Mansour Gheibi, housing market expert Deposit loans He explained: “Deposit loans do not help the tenant, because waiting for the tenants to have a loan will increase the rental price of housing.”

He continued: “Referring to the Central Bank statistics and reports related to this area of ​​the housing economy, rent and mortgage figures are higher than normal, and one of the reasons could be loans that the government has approved up to 40,000 billion tomans for tenants.”

“In my opinion, if these sums, which are not a small amount, were spent on the development of infrastructure and the timely delivery of apartments in the rental zone, it would be much better than giving them directly to the tenant,” Gheibi said.

Regarding his forecast for the market, he said: “The market is coming out of the realm of relative recession, and in the coming months we will have a market commensurate with the real needs of consumers in the field of housing economy.”