The executive instructions of the housing deposit assistance facility were announced

According to the financial monetary news quoting the public relations of the Central Bank, the bank, while announcing the executive instructions of the housing deposit assistance facility in 1401 from the sources of Article (4) of the Housing Production Leap Law, announced that according to Article (4) of the Housing Production Leap Law Approved by the Islamic Consultative Assembly on September 20, 1400, and approved by the Monetary and Credit Council on 140/3/340 and 3/31/1401, and in order to support low-income tenants, the Executive Instruction on Housing Deposit Assistance Facilities, hereinafter referred to as “Instruction” It is called, it is communicated as follows:

Article 1- Applicants subject to this instruction by the Ministry of Roads and Urban Development and in accordance with the relevant criteria, within the framework of quotas determined through the system of housing support plans to the address https://saman.mrud.ir Introduced to operating banks.

Article 2 The ceiling of facilities granted to the subjects of this instruction, according to the request of the applicant and the criteria for granting banking facilities in the urban areas of the country, is as follows:

: Note: Amounts intended for the facilities subject to this article, after obtaining the required documents and inquiries made by the bank / non-bank credit institution and based on the agreement of the applicant and the bank / non-bank credit institution can be amounts less than the ceiling To be reduced. In this case, the applicant is obliged to modify the ceiling of the requested facilities in the system.

Article 3 Before paying the facility, the bank / non-bank credit institution is obliged to inquire from the Central Bank Samat system about not having current facilities in the housing sector, including facilities for construction, purchase, forgery and deposit of housing for the applicant and his / her spouse. This inquiry should reject the applicant’s request in the system, stating the reason.

Article 4 The facilities subject to this instruction are paid to the tenant by the bank / non-bank credit institution in the form of a Murabaha contract for the purchase of goods and services.

Article 5 These facilities can be granted at the interest rate approved by the Monetary and Credit Council and repayment for a maximum of 5 years.

Article 6 The documents related to the facilities that are the subject of this instruction are in accordance with the executive instruction for granting micro-facilities notified during the Circular No. 01/24792 dated 1401/2/4 of the General Directorate of Regulations, Banking Licenses and Anti-Money Laundering of the Central Bank.

Article 7- The conditions for applicants to receive the facilities subject to this instruction are as follows:

7-1- Applicants must have an official lease or a lease registered in the real estate transaction registration system and have a tracking code, from 1/1/1401 onwards. The applicant is obliged to register his / her residence and ownership information in the real estate and housing system.

Note: The bank / non-bank credit institution is obliged to match the tracking code and the city in the system with the received lease.

2-7 –All applicants and their spouses are required to have no housing or real estate at the time of registration. If at any time their ownership record is established, they will be removed from the process of payment of facilities and if they receive those facilities, they will be obliged to return all the facilities received and to compensate the relevant damages and penalties.

3-7 – The applicant must be married, if the applicant is single, women must be over 35 years old and men must be over 45 years old.