The determination of the government and the central bank to complete the line of marriage loans by the end of March
to report Iran is an economistTo start their life together, young couples open a special account on a marriage loan and use it to buy things to start life, down payment or other things.
Every year in the budget law, the amount of marriage allowance is determined and approved, based on this, this year too this figure was determined to be 180 million tomans. Also, the amount of marriage loan for couples under 25 years old and spouses under 23 years old is 220 million Tomans.
Applicants for marriage loans were always faced with many problems, such as the introduction of several guarantors, the prolongation of the process of granting facilities, and obstacles from the banks. This process caused the president to announce the five-fold instructions for receiving and paying marriage loans in July of this year, and in it he emphasized on gathering the queue of marriage loans by the end of the year.
The president stressed that the time for introducing applicants to branches and receiving marriage loans should be reduced to 15 days and that branches should not be strict in their guarantees, otherwise the delinquent managers will be followed up.
Central Bank’s regulatory-credit package in the field of facilitating and accelerating the payment of marriage loan facilities was notified to the banking network and it was decided that the branch should be determined by the operating bank no later than 15 days after the registration of the applicants. In order to further monitor and supervise the implementation of the legal obligation to accelerate the granting of marriage loans, in the aforementioned package, it was decided that banks should conduct periodical and case-by-case inspections of their branches and deal decisively with the heads of delinquent branches.
Despite the emphasis of the President and the requirements set by the Central Bank, some applicants always complain about the long queues to receive facilities, and this situation caused the President, in the meeting of the General Assembly of the Central Bank and the meeting of the government board, to reduce the queues of marriage loans to zero. Re-emphasize the requirement and order.
According to Seyed Ehsan Khandozi, the economic spokesperson of the government, after the order of the president to end the marriage loan queue of the head of the central bank, he emphasized that all preparations will be made to reduce this queue to zero or to a minimum by the end of March.
In order to achieve this goal, the central bank made a new decision, adding two banks, Qarz al-Hasneh Mehr Iran and Resalat, to the paying banks, and they were obliged to pay the applicants 125,000 marriage facilities in excess of the previous quotas this year.
According to the latest report of the Central Bank, from the beginning of the year to the end of December, a total of 126 thousand and 100 billion tomans of marriage facilities were paid by the banking network, which was an increase of 112% compared to last year.
In addition to asking questions, applicants for marriage facilities can report their problems through the systems available in operating banks through the https://crm.cbi.ir system and to the central bank with the number 2706.