Registration of housing loan and deposit for tenants 1402 + registration link – Tejaratnews

According to Tejarat News, the payment of housing deposit loans of tenants has started since last year, and in the same period, about 920,000 heads of households, for Registration of housing loan and deposit for tenants 1402 They took action.

The amount of this loan in 1402 for Tehran province, provincial centers and other cities is 100, 70 and 40 million tomans respectively; The amount of installments as well as the repayment method of this loan will be calculated according to its 18% interest and the five-year payment limit. But how can you register for a housing deposit loan for tenants in 1402?

How to register a housing deposit loan 1402

Applicants to receive and Registration of housing loan and deposit for tenants 1402 It is necessary that they first meet the conditions for registering this loan in the first and second stages and then complete the steps in the housing deposit loan registration system at the internet address tem.mrud.ir.

People to register Housing deposit loan for tenants First, they must enter the tem.mrud.ir website, then select the deposit assistance facility registration option. The follow-up of housing loan and deposit in the second stage is also done through the same address.

In the next step, applicants read the rules and regulations related to the deposit assistance facility, and if they wish, they can enter their personal information on the next pages. Now it should be seen that the conditions set for the applicants are in the position of the basic pillar of benefiting from Housing deposit loan for tenants 1402 What is?

Conditions for registration of housing loan and deposit 1402

The applicant for housing rental facilities must first be married or the head of the family, although single women over 35 years old and single men over 45 years old can apply for it based on certain conditions.

Also, the lease provided by the housing loan applicant must be officially prepared or registered in the Iran Real Estate system and have a tracking code. Another condition for receiving a housing deposit loan is that the date of the provided lease should be at the latest until the end of the housing deposit loan registration period.

The Ministry of Roads and Urban Development has announced in the previous year that in order to agree to the applicant’s registration to receive a house rental loan in 1402, it is necessary that the personal rental contract be concluded by the end of the housing deposit loan registration period. Therefore, if the time of conclusion of the rental agreement provided is after this time period, the applicant is eligible for Registration of housing deposit loan for tenants 1402 will not be.

If the registrant of housing loan and deposit meets the conditions of registration of this facility and to receive Housing deposit loan for tenants 1402 to be introduced to the bank, it is necessary to present the necessary documents to receive this facility and to introduce his guarantors within two weeks from the time of introduction to the bank. Otherwise, the applicant’s housing deposit loan application will be rejected.

Does the housing deposit loan go to tenants?

Of course, despite the whispers regarding the increase in the amount of deposit loans this year, the head of the housing economics office has stated that due to the limited resources of the banks, we currently do not have a plan to increase the renters’ deposit loans; The amount that with the unprecedented inflation of the rent does not seem to be very efficient for a large number of tenants.

On the other hand, by receiving this loan, every person will not be able to receive a housing deposit loan again until the end of its installments, i.e. in the next five years. In other words, if a tenant used the housing deposit allowance last year, he is no longer allowed to receive it this year, and this reduces the target community of the plan. High interest and paying its installments despite the need to pay monthly rent is another reason why this loan is not efficient.

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