To whom is the mortgage loan for the first home? – Tejarat News

According to Tejarat News, marriage, lack of ownership of land or residential unit, and the ability to pay installments are among the conditions for registering a first home mortgage, and accordingly, singles are only able to register for this loan in some special cases. Also, owning the property or receiving housing facilities on certain dates will cause the “C” form to turn red and reject the applicant’s application.

In this way, people over 18 years of age who have not bought a house and have not used the government housing purchase facility are considered to be among the first home buyers. Before this, the first house owners had to fulfill the condition of marriage and the ability to pay installments, which these two conditions exist this year as well.

Conditions for receiving a mortgage loan for the first home

The first condition for the registration of the family home is that the registrant and his dependents have not owned a residential land or a residential unit in the last 5 years, and from 22 Bahman 1957 onwards, to obtain a government or public sector loan. Non-governmental organizations that are dedicated to buying or building housing, have not used them. In addition to this, the applicant for a first-time home loan must not have received any housing construction or purchase facilities from the country’s banking system since the beginning of 2014.

Marriage or headship of a household is another condition for receiving a first home loan. Of course, the condition of marriage has exceptions; Including self-supporting single women who are at least 35 years old. Divorced women, other single men over the age of 23 (on the condition of presenting a notarized commitment letter of marriage by the date of delivery of the housing), the country’s scientific elites (on condition of presenting a letter of introduction from the National Elite Foundation of the country) and the physically and physically disabled (on condition of being at least 20 years old) and presenting the introduction letter of the country’s welfare organization) are excluded from the condition of marriage.

The important condition for registering the first home is that the applicant must have lived in the requested city for at least 5 years in the last five years. Depositing at least 400 million Rials in the first stage of project implementation and the financial ability to pay monthly bank installments are among the most important conditions for receiving this loan.

Read more reports on the housing news page.