The cost of 100 million tomans mortgage in Tehran – Tejaratnews
According to Tejarat News, mortgage loans used to cover about 80% of the cost of buying a property until the past few years, but now with the excessive increase in housing prices, especially in Tehran, the scope of these loans for buying housing has decreased to 30% or even less. Is.
One of these housing loans is a facility that is paid by buying Tese bonds, and since July 1401, the cost of obtaining it has been on an increasing slope.
The cost of getting a mortgage
To get a loan of 280 million tomans, singles are required to buy 400 cards and married people are required to buy 800 cards, and the cost of each card is approximately 120 thousand tomans.
Therefore, single people have to pay 48 million tomans and married people have to pay 96 million tomans for this purpose. This is despite the fact that some bank branches announce the number of cards more than this limit.
According to the field research of Tejarat News, the cost of Tessa bonds is not the only cost to get this loan. Applicants must pay a fee between 10 and 13 million tomans for the delivery of the mortgage document.
Procedures for obtaining a mortgage loan in banks
Some home loan applicants believe that the process of obtaining this facility in banks is both difficult and time-consuming. Some branches request salary slips, personnel cards, insurance and salary deduction letters, and if these documents are not available, the applicant is not eligible to receive this loan.
Also, on the websites, the mortgage interest rate is 18%, but in the contract that the banks deliver, this figure is written as 18.5%.
Mortgage details
This loan for Tehrani singles is 280 million, consisting of 200 million tomans housing loan and 80 million tomans loan, and for married people living in Tehran it reaches 480 million tomans. 200 million tomans of housing purchase facility for each person and 80 million tomans of rental loan are paid in this loan.
This amount has been considered for married people in the centers of the province, a maximum of 320 million Tomans, along with 640 documents. Singles also receive 160 million tomans in the centers of the province, for which they have to buy 320 cards.
The ceiling for providing facilities in other urban areas of the country, including cities with a population of 200,000 or less, is 120 million tomans for singles and 240 million tomans for couples. The maximum time to pay it is 12 years.
Withdrawal of applicants from obtaining loans
Tejaratnews investigation shows that the high material cost and long time of receiving this loan have caused a large number of applicants to give up on taking it.
On the other hand, the cost of buying housing in the country has increased to such an extent that it seems that paying these loans does not help to solve the problems of home buyers, especially in Tehran.
Read the latest housing news on the housing market page in Tejaratnews.