The home loan limit was increased / Who are the beneficiaries? – Tejarat News
According to Tejarat News, the housing loan, which had a 50% increase a few months ago, is now going to increase again, according to the announcement of Housing Bank, but who are the beneficiaries of this plan?
Increasing the mortgage loan limit is one of the plans related to the youth plan of the population, and in this way, the target population is the households that have a maximum of four children under 20 years of age. Accordingly, for one child under 20 years of age, 25%, two children under 20 years of age, 50%, three children under 20 years of age, 75%, and four children under 20 years of age, 100% will be added to the housing purchase and repair facility ceiling.
Of course, along with the increase in the ceiling of the housing facility, the repayment period has also been changed and it can be increased by two years for each child under 20 years of age, and for a total of five children, up to a maximum of 10 years.
Also, according to the Family and Youth Protection Law, if a family has four children under the age of 20, while the father is with the children born in Tehran, in an individual case, in addition to 400 million tomans housing purchase facility per child, Another 100 million and a total of up to 800 million tomans for the purchase of housing and also for housing repair in addition to 160 million tomans, 40 million tomans for each child and in other words up to 320 million tomans in the form of a loan facility from the use of Maskan Bank’s premium bonds. slow
installments of housing facilities
The issue that raised a lot of noise from the very beginning of the increase in the housing facility ceiling and caused the disappointment of many people to receive this loan was the amount of monthly installments. Tehrani couples must pay more than 20 million tomans per month to receive this loan with a ceiling of 960 million tomans.
Now, with this new resolution, the limit of facilities that can be used by couples in the city of Tehran has reached 1 billion and 600 million tomans from the place of premium bonds, apart from the Jaala loan. Considering that the maximum repayment period is 10 years, so the monthly installments for a family with four children reach more than 25 million tomans; An amount that is practically impossible for a large section of the society who are in dire need of housing.
In general, it can be said that this increase in the facility ceiling cannot be very efficient for the target community of these plans and solve the problem of providing housing for the lower classes of society!
Read the latest news related to housing in the housing section of Tejaratnews.