Two basic conditions for receiving a mortgage loan were identified + details
He added that applicants register in the Ministry of Roads and Urban Development system and tenants pay their fees.
The Minister of Roads and Urban Development continued: The second group includes families covered by support institutions such as welfare and relief committees in the priority of receiving these facilities.
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Eslami stated that these facilities are 50 million Tomans in Tehran, 30 million Tomans in big cities and 15 million Tomans in other cities.
Regarding the guarantee of this loan, he said: the letter of introduction and the salary deduction certificate from the workshop with the social security insurance code or the executive apparatus of the applicant’s place of work are sufficient for the bank as a guarantee.
According to Islami, 600,000 households are given priority for receiving these facilities, which we have counted based on information from the Ministry of Welfare systems.
The Minister of Roads and Urban Development emphasized that the decision of the National Anti-Corona Headquarters, which set the rent ceiling for Tehran at 25 percent, metropolitan areas at 20 percent and other cities at 15 percent, was able to control the unbridled growth of rents and calm the rental market. Is.
He continued: “Of course, we have had cases that have referred to the Dispute Resolution Councils, according to the decision of the National Anti-Corona Headquarters, if the landlord has sold his house and if the tenant has not fulfilled its obligations (at the discretion of the Dispute Resolution Council), eviction order The tenant is issued in favor of that landlord.
Eslami, stating that 20,000 billion tomans have been allocated for housing deposit facilities, referred to its resources from the resources intended for businesses affected by the corona and stated: Of course, the interest rate that has been considered for these facilities It was 12%, which was added to the previous one and increased to 13%, considering that the original loan is to be returned to the bank in the housing deposit facility.
The Minister of Roads and Urban Development added: “At first, our offer was 70 million Tomans, but we saw that the banks are asking for 2 guarantors for a loan of 70 million Tomans, and the bureaucratic process will be prolonged;” Therefore, we reduced this loan to 50 million Tomans so that more people can use it and it can be guaranteed with a salary deduction certificate.
Islami stated that the tenants applying for these facilities must have a formal contract and obtain a tracking code, which is based on the approval of the National Crown Headquarters; Since the decree was issued by the National Anti-Corona Headquarters, the number of tracking codes has increased by 800%. Also, according to a report we received from the Union of Cargo and Furniture Companies, the number of relocations has dropped significantly.
On the issue of whether receiving interest from the tenant and installments of 540 thousand Tomans will not put pressure on the tenants, he said: in the market, for every 1 million Tomans, 30 thousand Tomans are taken from the tenant, which is 50 million Tomans, equivalent to 1 million and 500 thousand. Tomans is rent; While the tenant has to pay one third of it in installments, which shows that the loan is affordable and attractive.
Asked if the loan would increase rents, Eslami said: “I think this facility has a good effect on solving the problems of tenants; On the other hand, we ask the landlords to spend humanity and help the tenants and not to rent this amount of facilities on rent.
According to Islami, from tomorrow, it will probably be possible to register in the system of the Ministry of Roads and Urban Development, and we have tried to make the administrative process of receiving these facilities with minimal bureaucracy. But first the families of 5 people and the newlyweds should register in 99.
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