Payment of 200 million housing loans to these people/conditions for receiving housing loans

According to Tejarat News, a mortgage loan of 200 million is considered one of the facilities for having children. A mortgage of 200 million is paid to families with three children.

Quoted from Tasnim the Central Bank’s Credit Deputy explained the details of how to register in the new system of childbearing facilities and 200 million housing loan for the third child.

Sahabi, the deputy credit officer of Central Bank, said: Applicants for marriage and childbearing facilities can complete their registration by logging into Central Bank’s 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.

Conditions for receiving a mortgage loan of 200 million

Regarding the registration period until the branch is determined for the applicants of this facility, Sahabi clarified: the 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 is 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 transfer the facility to 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 problems it had and the technical updates that had to happen according to the needs of the applicants were resolved. Today, all banks are connected to this system. Of course, the speed will increase, but there is a point about the facility of having children is that the legislator has included children and parents who were born last year in the year 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.

200 million housing loan applicants

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 their legal duty, 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 a child. To receive that facility, applicants refer to the six banks that have been notified to them and introduced on the central bank’s 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.

All families who have a third child born in 99 and later and do not own a house, can apply for a housing deposit loan of 200 million tomans. The central bank has communicated this circular to 6 banks, including housing, export, cooperative development, agriculture, trade and post bank.