The dispute between the government and the banks over the payment of mortgages increased – Tejaratnews

According to Tejarat News, the lack of construction circulation is one of the many problems that the housing sector is currently facing, and the refusal of banks to pay construction facilities is also considered a big obstacle in this way, regardless of the issue of inflation.

The performance of banks in the last two years indicates that they are no longer willing to finance construction and support projects and prefer to invest their capital in a sector that has both shorter payback and higher profits.

Even with the delay in the construction of National Housing Movement units, statistics show that in the two years that have passed since the planning of this project, banks have fulfilled 18% of their legal obligations in the first year and 17% in the second year in paying the facilities of this sector. . In total, it can be said that the performance of the banking system in facilitating the national housing movement was only 17.5%. This is while the payment of banks to their dependents has been higher.

Introducing a new factor for non-payment of housing facilities

Of course, today’s speech of Mohammad Reza Jamshidi, the secretary of the Banks and Private Credit Institutions Association, about bank facilitation shows another point in this field.

In this context, he has stated: the fact that the provision of facilities to the housing sector has been slow so far was due to the fact that the Ministry of Roads and Urban Development was supposed to launch a system where applicants for facilities would register and enter their requests in this system and then Therefore, the Ministry of Roads and Urban Development should verify this request and introduce the real applicants to the banks based on the verification of the demand and request, which did not launch this system until the end of 1401.

Jamshidi also told Ilna: Ministry of Roads and Urban Development did not launch this system until the end of last year, and we have a written letter regarding the duty and commitment of the Ministry of Roads and Urban Development to launch the mentioned system, but unfortunately, no one has given a reason for this. The progress of the provision of facilities does not pay attention to the housing sector, and therefore everyone blames the banks and beats the banks. This is despite the fact that the Ministry of Roads and Urban Development itself has been responsible for the slowness of the provision of facilities because it did not launch the applicant introduction system on time.

Why are loans paid late?

The Secretary of the Association of Banks and Private Credit Institutions has explained about the terms of payment of the National Housing Movement loan: another issue is the terms of payment of this facility; The ceiling of this loan in big cities is 550 million tomans, the issue is which area of ​​big cities is it possible to build housing with this amount. Banks pay this loan when the foundation is in progress and 30% of the building is built to ensure the payment of the facility to the real applicant.

He continued: Some applicants think that they can receive the facility as soon as they register, but the banks are bound by the law of banking operations without usury, and the facility should be provided when the transaction (project) is done correctly and the return and fees are assured. be obtained Some applicants were introduced to private banks this year to receive this loan, but when they enter the loan process and see that they must meet these conditions and the construction reaches 30% in order to receive the housing facility, they are willing to sign a contract. They do not

Now that the government and the banks have been pointed at each other, it is necessary to see where this conflict will end and when will the first unit of the National Housing Movement be handed over to the people?

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