Notification of the package of acceleration and facilitation of marriage loan payments to the banking network
According to the report of financial monetary news, quoted by the public relations of the central bank, Dr. Saleh Abadi follows the President’s emphasis on speeding up and facilitating the payment of marriage loan facilities and following the previous circulars of this bank regarding Part (1) Clause (A) Note (16) of the budget law of 1401 of the whole country regarding the payment of marriage loan facilities He stated: Today, two important points were communicated to the banking network according to the President’s order. First of all, according to the explicit text of the law, banks and credit institutions are obliged to pay the facility based on the validation of the applicants, at most by obtaining a promissory note from the applicant or a valid guarantor.
He reminded: Banks can also obtain guarantees and securities within the framework of the relevant rules and regulations and according to the executive order for granting micro-facilities (Circular No. 24792/01 dated 02/04/1401).
Dr. Saleh Abadi emphasized: This instruction is available on the website of the central bank, and in case of non-implementation or delay in the payment of the facility, it is considered a violation and can be followed up in the relevant authorities.
The head of the Money and Credit Council said about the second point: The second point is that people should be determined as soon as possible and based on the specific timing of their duty to obtain a loan; Therefore, on this basis, the banking network is obliged to deposit the money into the customer’s account as soon as the documents are completed by the applicant within 10 days at most.
The Governor of the Central Bank added: Therefore, the bank is obliged as soon as possible, while determining the branch, accepting and determining the assignment of the applicants in the queue of the marriage loan system, by completing the documents by the applicant within a maximum period of 10 working days, to pay the mentioned facilities.
Dr. Saleh Abadi mentioned regarding the facility of having children: In this regard, it is treated in the same way as the facility of marriage loan. Therefore, the banks must deposit the money to the applicant within 10 days, and if the banks do not do this, disciplinary action will be taken against the errant bank.
While emphasizing that people can inform the central bank of any inconsistencies in the banking network, the head of the central bank said: if people go to the branches and have complaints and requests, they can contact the public communication system of the central bank. (Telephone number 2706) or “complaint handling system”, register their requests and complaints and the central bank will definitely follow up on this matter.
He added: Therefore, as can be seen in this circular, the duty of the documents and the timing related to it are clear, and the loan must be deposited into the individual’s account within a maximum period of 10 days, and the documents are also explained in the central bank’s circular.
Emphasis on controlling the growth of banks’ balance sheets
The Governor General of the Central Bank mentioned about the control of the growth of the balance sheet of the banks and the disciplinary programs of this bank: the growth of the balance sheet of the banks is considered from 1.5 to 2.5 percent, so for some banks 1.5 percent and 2. 5% is considered for banks depending on the conditions of that bank and the available indicators.
He emphasized: A bank that does not comply with this requirement will be subject to a higher legal deposit and we have had cases where their legal deposit can be increased by 13%.
The limit for card-to-card and daily purchases is for nationals like Iranians
Dr. Saleh Abadi added: In general, the banking services that are provided to nationals have a necessary mechanism and are foreseen in the law, and recently the relevant authorities have issued directives in this regard that nationals must receive a unique code from the legal authority and That code is considered the basis of all the services received by foreign nationals from the network, therefore we also emphasized on this to the banking network.
The highest official of the Central Bank reminded: For foreign nationals like Iranians, the card-to-card limit is 10 million Tomans per day, and this does not make any difference for nationals and compatriots.
He clarified: the daily purchase limit for nationals, like Iranians, is 100 million tomans per person and 50 million tomans per card.