The 18% interest deposit loan is for the benefit of the banks, not the tenants

According to reports Iran is an economistAt the meeting of the Market Regulation Headquarters on May 19, chaired by Mohammad Mokhber, First Vice President, at the suggestion of the Ministry of Roads and Urban Development And other cities were set at 15% and approved.

Also under the decree, the government penitentiary was required to deal with delinquent real estate consultants who did not comply with the ceiling.

Statistics have not yet been released by the Statistics Center of Iran and the Central Bank regarding the amount of rent increase in the days following the announcement of this decree; However, the union of real estate consultants has notified the decision to the guild chamber and then to the provincial guild chambers, as well as the provincial real estate consultants union. The real estate association has also notified the estate to the offices of real estate consultants licensed by the relevant union. It seems that due to the widespread media coverage of this decree and its communication to the offices of real estate consultants, a large number of real estate agencies are in the process of this decree.

At the same time, a number of MPs are pursuing the approval of a dual plan to organize the housing rental market, the generals of which were approved in the open court of the parliament last week, and due to the closure of the parliament in the next two weeks, Summer Parliament will be reviewed.

Details of the two-emergency plan to organize the housing rental market

However, Ali Khezrian, a representative of the people of Tehran in the parliament and one of the designers of the plan to organize the housing rental market, said about the details of the plan, which was approved two times:

1. According to the parliament’s plan, the government is obliged to announce the permissible increase in rent at the end of April each year according to the inflation rate. Any homeowner who fails to comply with the ceiling will have their annual tax exemption revoked and a tax penalty of up to 10 percent of the deposit amount.

2. Homeowners are also required to register a rental agreement with a registrar or real estate system for free. If the real estate consultant does not register the rental contract in the system, he will be deprived of employment for one year for the first time and will be fined 3 times his salary, and the second time he will be permanently deprived of having a business.

3. Landlords who do not register the lease will be fined up to 20 percent of the deposit. If the landlord goes to court to get an eviction order, the court costs will be doubled and the issuance of the order will be subject to a tax penalty.

4. The tariff of the companies commission is set by the government and the violating company will be fined up to 3 times the total commission received in addition to returning the extra amount.

Field surveys of the level of real estate offices

Field survey Iran is an economist Indicates that most landlords and landlords in Tehran are not interested in meeting the 25% ceiling for rent; On the other hand, according to the decision of the Market Regulation Headquarters, the Government Penitentiary Organization has the right to deal with the offices of real estate consultants who do not comply with this ceiling.

This is while a similar resolution in the two years 1399 and 1400 by the National Headquarters for Countering coronavirus Regarding the rent ceiling, it was approved and announced that according to the Deputy Minister of Housing and Construction of the Ministry of Roads and Urban Development in the twelfth government and the first six months of the thirteenth government, the implementation rate was more than 60%. The central bank indicates a rent increase of more than 50% in 1400.

A real estate consultant in the central areas of Tehran Iran is an economist He said that in parts of the center and south of the capital, where household incomes do not have the traction of more than 80% increase in rents, which occurred in areas north and west of Tehran, landlords may cooperate with tenants to some extent in extension contracts. Extend the lease for less than the current market norm for this year; But because rent files are either scarce or, if found, offered to tenants in odd numbers, many tenants have no choice but to work with the landlord; Otherwise, they will have to move to more southern areas or the outskirts of the capital.

Another real estate agent told the Iran Economist: “In some cases, the lease files are so far-fetched that, for example, for a large unit in the basement, figures are announced by the landlord that last year for a 70-meter unit on the ground floor with parking in The same neighborhood was considered.

Another real estate consultant on whether you can ask landlords that you do not provide services to them if you do not file your property with a maximum rent increase of 25%? He said: “The maximum action we can take is to ask the landlord to give up astronomical figures, but if he registers more than 25% of his rent file, we will not excuse him from the will of the services; it is not possible;” Because the wave easily transfers its lease to another real estate consultant and we are deprived of our commission.

President of the Union of Real Estate Advisors: Making a mortgage loan at 18% is wrong

Mostafa Gholi Khosravi, head of the Tehran Real Estate Advisors Union, said وگو “Unfortunately, with the feedback I have received from our colleagues, landlords and landlords are not willing to comply with the 25% ceiling,” he told the Iran Economist about the implementation of the market regulation headquarters’ decision to set a 25% housing rent ceiling in Tehran.

He continued: the real estate consultant has no role in this regard and the owner is the one who determines the rent; However, in the approval of the Market Regulation Headquarters, the Penitentiary Organization is responsible for dealing with real estate consultants; While the real estate consultant can at most ask the landlord or landlord to reduce the rent increase for the current year. Otherwise, the real estate consultant will stay with the commission and will not have any income.

The head of the union of real estate consultants said: “According to some real estate consultants, the decision to set the rent ceiling has caused conflicts between the landlord and the tenant.”

He pointed out: grammatical behaviors in the housing market have caused the migration of investors from our country’s real estate market to some neighboring countries, including Turkey. Therefore, tenants should not be supported by prescriptive methods, but by less incentive methods such as tax breaks.

Khosravi considered another support method as granting old deposit facilities with an interest rate of 4% and subsidies and added: “It is currently decided to grant a mortgage loan with an interest rate of 18%, which is a wrong thing to do;” The Housing Development Fund was to be set up and from the collection of capital gains tax, vacant house tax and luxury home tax, مبه The difference The interest rate of the subsidized mortgage loan should be offset by an interest rate of 18%, which has not happened so far.

According to the president of the union of real estate consultants, the mortgage loan is 18% more in favor of the bank host To the tenant.