The facilities for the housing leap project accelerated
According to the financial news report According to the public relations of the central bank, the deputy of the credit department of the central bank, referring to the housing production jump law, said: according to the housing production jump law, the operating banks are required to allocate 20% of the payment facilities to the housing sector, which this law along with the bank quota The related matter was notified to the banking network immediately after its approval in the Islamic Council and its notification by the presidency.
Sahabi emphasized the need for greater coordination between the Ministry of Roads and Urban Development, the Central Bank and the banks in order to speed up the implementation of the law and said: the instructions related to the law on the jump in housing production were prepared with the cooperation of the Ministry of Roads and Urban Development and communicated to the banking network. According to the approvals of the Supreme Housing Council and the uncertainties raised by the banks and the Ministry of Roads and Urban Development in order to facilitate the implementation of the said law, it was updated and communicated to the banking network. Also, the individual ceiling of facilities was proposed and approved in the Money and Credit Council.
Referring to the bank-oriented nature of the financing of this law, the Deputy Director of the Credit Department of the Central Bank added: One of the most important problems of the National Movement plan is that its financing is considered to be based solely on banking resources and facilities, and the banking network is also based on It is faced with limited resources due to the numerous tasks assigned to it according to various laws and approvals, and one should be careful that the implementation of these tasks due to their multiplicity and the financial situation of the banks leads to the use of the powerful money of the central bank, which actually leads to The increase in liquidity and the growth of the monetary base and finally double inflation, which is one of the red lines of the 13th government, should not be prevented.
Sahabi added: However, one of the other things worth mentioning is that the mentioned plan is system-oriented, and practically from the beginning of registration to the payment of the facility, it must be done through the system of the Ministry of Roads and Urban Development, and the communication between the banks and the system of the Ministry of Roads and Urban Development The last few months have been practically problematic and recently the possibility of connecting to the system and introducing applicants to the operating banks through the system has been provided.
He continued: Maskan Bank, which has been connected to this system for similar projects since the previous years, has performed well at the moment, so that 630,000 billion Rials contracts have been concluded by Maskan Bank with applicants for National Movement projects. In the amount of 213 thousand billion rials, facilities have also been paid.
The deputy of Central Bank’s credit department added: among other things worth mentioning is the fact that the aforementioned law is not only about urban housing facilities, and in addition to this heading, rural housing facilities, unexpected events and housing deposits are also being implemented in the same framework. and payment is; In such a way that since July of this year, when the ceiling for housing deposit facilities was approved and notified in the Money and Credit Council, 159 thousand cases have been filed and 121 thousand items of facilities have been paid in the amount of 69 thousand billion Rials. In addition, 66 thousand billion Rials of facilities were paid for rural housing last year. Also, 57 thousand billion Rials of facilities for the construction and renovation of rural and urban places have been damaged and unforeseen events have been paid by the banking network.
Referring to the wide acceptance of the people at the beginning of the project, Sahabi said: Although the project was well received at the time of registration, about 333,000 people have already paid their contributions, and among the effective applicants for the mentioned facilities who have contributed have paid, a significant drop compared to the previous plans is observed.
In the end, the deputy of the central bank’s credit department pointed out: Also, the current year’s quota of the housing production jump law, in the amount of 4.580 thousand billion rials, was also notified to the operating banks on September 31, and it is hoped that the project will be implemented within the framework of resources and costs. banking network and fixing the defects of the system of the Ministry of Roads and Urban Development (which even now the central bank as a supervisory body does not have an information dashboard in this system) as well as the work agenda that is underway in the government regarding the diversification of the financing of this project, the speed get more.