receiving marriage loans from banks; Easier than before
According to the budget law, the central bank is obliged to pay the marriage loan facility with a repayment period of 10 years from the savings and loan of the banking system. Facilities that must be paid with a guarantor and in the shortest possible time. An issue that has been heard many times from the mouth of the highest official of the central bank.
Earlier, Ali Saleh Abadi, the head of Central Bank, in response to the question of IBENA reporter that according to the President’s recent emphasis on facilitating the payment of marriage loans, what are the new arrangements of the Central Bank to accelerate the payment of this loan? He stated: In addition to the previous circulars that we had communicated to the banking network at the beginning of the year, regarding the facilitation of obtaining marriage loan facilities, we have emphasized and issued circulars to the banks following the order of the honorable president.
He continued: In the discussion of securities, according to the law, it is based on the validation of a maximum of one promissory note or a valid guarantor, or within the framework of the instructions for granting micro-facilities, we considered a facility for receiving securities.
Saleh Abadi clarified: We assigned this issue to the banking network so that as soon as the applicant completes the documents and submits the documents, the bank must deposit the money into the applicant’s account within 10 days at the latest. Therefore, I emphasize that the money must be deposited into the client’s account within 10 days after the completion of the documents and documents by the applicant.
The outcome of these emphasis can be found in the 55% growth of marriage loan facilities compared to the same period last year. In this regard, Mohammad Nadali, head of the credit department of the Central Bank, said in a conversation with Ibna reporter: The most important facilities that the banking system has paid regarding the tasks of the budget law of 1401 are related to marriage and childbearing, and until October 23rd, 73 thousand 500 billion tomans of marriage loan facilities. It has been paid to 534 thousand people.
100% growth in the payment of marriage facilities in a state bank
In the meantime, some state banks of the country report a 100% increase in the payment of these facilities. For example, Seyed Saeed Shamsinejad, the CEO of Qarzul-Hosneh Mehr Bank of Iran, in a conversation with IBNA reporter, announced: “Karzul-Hosneh Mehr Bank of Iran has paid 24,200 billion Rials for marriage loan facilities in the first 6 months of this year, which is compared to 12,100 billion rials for the same period last year, has almost a hundred percent growth.
Marriage loan payment in Melli Bank has also enjoyed a 20% growth. Samad Aziznejad, a member of the Board of Directors of Bank Melli, said in a conversation with Ibna reporter: Despite all the liquidity pressures, Qarz al-Hasna loans were not stopped in any way, and this bank, until the middle of October this year, about 96 thousand items of Qarz al-Hasna marriage facilities in the amount of 133 thousand billion Rial has been paid.
62% growth of marriage facilities in Saderat Bank
But this growth does not end only with state banks. For example, Saderat Bank has paid 103,45 billion Rials of marriage loans to 76,166 applicants by mid-October. A figure that shows a 62% growth compared to the same period last year.
The CEO of Bank D has also announced that after completing the documents, this facility will be deposited into people’s accounts within 24 hours. Alireza Qitasi had previously announced in a conversation with IBNA reporter: Today, married couples who have chosen their desired bank, Bank D, based on the mechanism provided through the Central Bank’s website, have quickly made a decision. In fact, there is no waiting line for marriage facilities. Bank D has 91 branches in the country, and today there is a waiting line of 4 or 5 people to receive the marriage facility, and it is no longer considered a waiting line, it is a payment line.
The guarantees that are considered for this facility can be paid through validation, with a maximum promissory note or a valid guarantor, and banks must accept guarantors based on this law.
Ibena