This spring, 3% of bank facilities were allocated to the national movement and housing construction

According to the economic correspondent of Fars News Agency, the National Housing Movement Plan is one of the biggest construction projects of the country that started in the 13th government. The goal of this plan is to build one million housing units per year, which will meet the needs of real applicants for housing, and in the process That economic prosperity and employment will be created in the country, both in the city and in the countryside.

One of the pillars of the construction of one million housing units per year is its financing, which is the responsibility of the banking system based on the law of housing production jump. However, the examination of the statistics related to the payment facilities of the banks in the spring of 1402 and the facilities concluded with the National Housing Movement Plan, shows a severe backwardness in this area; This is despite the fact that more than 20 months have passed since the promulgation of the housing production jump law and there is no justification for this lack of work.

* Allocation of 3% of the banking system’s facilities to the National Housing Movement in the first 3 months of 1402

In this regard, in an interview with Fars reporter, Ali Naderi Shahi, referring to the issue of housing construction financing, said: the most important limiting factor in the flow of housing construction in the country is the banking system’s inattention to the payment of housing construction facilities.

This housing economics expert emphasized: the president has repeatedly emphasized on the payment of facilities in accordance with the progress of the national housing movement and the people’s need for residential units, but these emphasis have not resulted in a tangible result in the housing market.

The statistics of banks’ payment facilities published on Central Bank’s website from the beginning of April to the end of June 1402
(subject of part (2) clause (h) note (16) of the country’s budget law) and the statistics of facilities contracted by the National Movement based on the TEM system

* The banking system is obliged to pay 20% of its facilities for housing construction

According to the statistics of the payment facilities of the banking system in the first three months of 1402, only 3% of the facilities of the banking system were allocated to the national movement and housing construction plan; In the meantime, Housing Bank has allocated 34% of its payment facilities to the National Housing Movement and the share of other banks is very low. The performance of many banks has been close to zero.

This is despite the fact that according to Article 4 of the Housing Production Leap Law, banks and credit institutions must allocate at least 20% of their payment facilities to the housing sector, and according to the instructions of the Central Bank overseeing this law, the allocation must be made through the system of the Ministry of Roads. and urban development.

With this description, the very low percentage of facilities allocated to the construction of housing has sounded a serious alarm about the failure of the president’s promise to be fulfilled. Despite the law and the clear orders of the president, the banking system has not cooperated properly with this project and has taken the previous path.

* Leap of housing production due to the banking system’s attention to financing

In this regard, Saeed Mehrzadeh, a housing expert, told Fars reporter: The statistics of land supply as well as the registration related to the Ministry of Roads and Urban Development indicate that people welcome the national housing movement, and if the banking system takes timely measures to provide financing. The construction of National Housing Movement projects will speed up.

This housing expert emphasized: the housing construction process, if financed, can create many jobs and activate 150 secondary and primary industries.

According to the experts, it is necessary for the Ministry of Economy and the Central Bank, as the responsible authorities, to think of a plan to change the direction of the banking system, otherwise, the non-cooperation of the banks will slow down the progress of the National Housing Movement.

One of the measures is to use Note 5 of Article 4 of the Housing Production Leap Law, according to which the Tax Administration must fine banks equal to 20% of the unfulfilled obligation in the housing sector; This fine for the first year of the implementation of the law was about 59 thousand billion tomans, which was not received from the banks based on the information, and for this reason, there was no change in the behavior of the banks in the second year of the implementation of the law (from Mehr 1401 to Mehr 1402).

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