Registration steps for marriage loan 1402 + calculation of repayment period, interest, number and amount of installments
According to the report of Economy Online, Marriage loan amount 1402 Two ceilings of 220 million tomans and 180 million tomans have been considered for each of the parties, which total 440 million and 360 million, respectively. In the following, whatever for Marriage loan registration 1402 We will explain what you need to know.
Conditions for receiving a marriage loan of 220 million tomans
With the aim of promoting the lowering of the age of marriage, if the man is less than 25 years old and the woman is less than 23 years old, the amount of their 1402 marriage loan will be 220 million Tomans and a total of 440 million Tomans. If one of the couple is outside this age group, their loan number will be different. For example, if a man is 25 years old, he will receive a loan of 220 million, but if a woman is 24 years old, he will receive a loan of 180 million, and in total, this couple will receive a loan of 400 million.
Conditions for receiving a marriage loan of 180 million tomans
For the rest of the couples, 180 million Tomans each and a total of 360 million Tomans loans are provided. It means an increase of about 67 percent compared to 1401 for those who [مرد و زن به ترتیب] They are more than 25 and 23 years old.
The condition of doubling the amount of marriage loan 1402
If one of the husband and wife or both are self-sacrificing (i.e. veterans, freedmen and their children and children of witnesses), the amount of the marriage loan is doubled. This law is implemented for both 220 million and 180 million ceilings.
Marriage loan registration procedures 1402
The first step to get a 1402 marriage loan is to enter the information Marriage loan registration site It is at “ve.cbi.ir”. After completing the process Online registration of marriage loan 1402 You will receive a 10-digit tracking code from the system. After a few days, the marriage loan system will introduce the branch of the bank you have chosen to continue the process of obtaining a marriage loan.
First step: enter the central bank’s facility system, fill in the information and get the tracking code
Second step: return to the system after a few days and determine the bank branch to which you should refer to get the facility. You have a maximum of 12 days after receiving the tracking code to go to the bank.
Third step: Go to the bank branch, complete the documents and provide the required guarantor for the marriage loan
The last step: paying the loan
Required documents for marriage loan registration 1402
Original and copy of marriage certificate, original and copy of all pages of spouse’s birth certificate, national card (permanent or temporary), original and copy of identification documents of guarantors, residential address and 10-digit zip code and 10-digit tracking code (by completing the information in the registration system marriage loan is received) is one of the documents that you should have with you when you go to the bank.
What is the interest and repayment period of the 1402 marriage loan?
Marriage loan repayment period It is 10 years old. The interest rate of the marriage loan is 4%. Of course, the loan fee of 4% is added to the first installment of each new year.
How much is the installment of the marriage loan in 1402?
The monthly installment of the marriage loan of 220 million is about 1,833,000 tomans, and the married couple must pay 3,666,000 tomans monthly.
Marriage loan installment amount 1402 For the monthly ceiling of 180 million, it is about one million and 500 thousand tomans. This means that each couple must pay an installment of 3 million tomans.
What is the number of marriage loan installments in 1402?
As we said, the loan installments of 220 million and 180 million of the marriage loan must be paid in 10 years at most. that’s mean The number of marriage loan installments is 1402 The maximum is 120 monthly installments.
The number of marriage loan guarantors is 1402
The number of marriage loan guarantors is 1402 It changes under different conditions, but in general, a marriage loan can be obtained by obtaining a valid guarantor and promissory note for each person. That is, for a couple, the documents of 2 guarantors must be submitted. It is necessary for the guarantors to submit their pay slips and deduction certificates to the bank.
How to get 1402 marriage loan with subsidy?
Banks and credit institutions can accept subsidies paid to individuals as collateral for marriage loans. To Getting a subsidized marriage loan The applicant must have applied to the same bank receiving the subsidy, this is applicable within the framework of the circulars related to the granting of facilities with the support of the deposit subsidy.
Marry a loan guarantor
The central bank said that if both couples have chosen the same bank in the marriage system, it is possible to provide a valid guarantor, subject to the sufficiency of the guarantor’s salary for the installments of both contracts of the couple.
The condition of getting a marriage loan without a guarantor
According to the announcement of the central bank: “If the applicant is an official or contractual employee of the government, military and law enforcement, public institutions and organizations (such as the relief committee, municipality, Red Crescent and Foundation), banks and financial and credit institutions, by presenting a salary deduction certificate They don’t need a guarantor anymore, and they can take steps Getting a marriage loan without a guarantor go through
The possibility of getting a marriage loan without an official guarantor
The guarantor can be a businessman with a business license, provided that he has an economic activity at the time of the guarantee. In the case of applicants for facilities in rural areas, the guarantee of a resident of the village whose eligibility and competence is confirmed by the Islamic Council of the village (stamped with the seal of the Council) is sufficient. Other collaterals are also acceptable from the Central Bank’s point of view; including receipt of promissory notes, valid checks and deposits of the applicant and their relatives. Only these two conditions in the law for Getting a marriage loan without an official guarantor It is stipulated.
Important points for registering a marriage loan 1402
In the following, we answer the most frequent questions about the registration of marriage loan 1402.
What is the address of the 1402 marriage loan registration site?
The marriage loan registration site is available at “ve.cbi.ir”.
How is the second marriage loan registration?
Every Iranian can get this loan only once. The fact that the applicant has already been married is not a criterion for receiving a loan, if a person has not taken a loan in his previous marriage, he is still eligible to receive a loan. So, the condition of paying the loan for the latter’s marriage is not receiving this loan in the past. Of course, this law also applies to the higher number of marriages.
What are the conditions for registering a marriage loan for Iranians abroad?
If an Iranian person gets married abroad, in order to receive a marriage loan, his marriage certificate must be issued by the Iranian embassy. This marriage certificate, which is stamped by the Iranian consulate abroad, is actually a person’s marriage certificate.
Are marriage loans paid to citizens of other countries?
To get a marriage loan, you must have Iranian citizenship. This loan is not paid to citizens of other countries. But it also includes Iranians abroad.
What is the minimum age to get a marriage loan this year?
13 full solar years for girls and 15 full solar years for boys.
How many months is the marriage loan paid?
This period depends on the loan sources in the bank. But usually the loan is paid in less than 3 months.
How many months after marriage can you get a marriage loan?
It should not be more than 24 months from the time of registration of marriage loan applicants. Of course, despite the 2-year emphasis in the text of the law, this privilege exists for marriages after 98 to benefit from the 180 million marriage loan.
Should couples register in a bank to get a marriage loan?
In order to facilitate and accelerate the granting of marriage loan facilities, it is better for the applicant and his wife to register in one bank and one city (man’s place of residence).
Do divorcees also get marriage loans?
If a person is registered during his marriage but gets divorced before taking a loan, he is still eligible to receive a marriage loan and can receive a loan after remarriage.
Which banks offer marriage loans?
Mellat Bank, Refah Kargaran Bank, Maskan Bank, Sepeh Bank, Agricultural Bank, Melli Bank of Iran, Tejarat Bank, Saderat Bank of Iran, Post Bank of Iran, Omid Entrepreneurship Fund, Parsian Bank, Saman Bank, Karz-e-Hasneh Mehr Bank of Iran, Ansar Bank, Tourism Bank , Bank D, Karzah Al-Hosneh Resalat Bank, Tehsehan Cooperative Bank, Iran Land Bank, Hekmat Iranian Bank, Kausar Credit Institution, Pasargad Bank, Eindho Bank, Ekhtaz Novin Bank, Qavamin Bank, Melli Credit Institution, Shahr Bank, Sina Bank, Noor Credit Institution, Saderat Development Bank, Iran-Venezuela Joint Bank, Middle East Bank, Capital Bank, Caspian Credit Institution.