What is the purchasing power of the housing bank facility?

This fall, 51,000 houses or residential units were sold in the country’s cities, which is a 46% decrease in transactions compared to the same period last year. Also the amount of transactions Housing In the fall of this year, compared to the summer, it has decreased by 9.5 percent.

Hibna calculations about the purchasing power of housing bond facilities in different cities of the country indicate that taking into account the average house price in the country, these facilities cost an average of 30 square meters to buy housing for applicants for housing. Cover Gives. This figure is obtained in terms of the average amount of housing loan facilities and also the average national house price.

Housing Bank in Tehran to applicants Housing purchase facilities, from the bonds of a facility of 100 million Tomans and also a facility of 40 million Tomans of Jaala It pays conditional on the purchase of bonds by the applicant, which brings the total of housing purchase facilities in Tehran to 140 million Tomans. In provincial centers and cities with more than 200,000 people, these facilities are offered up to a total of 120 million Tomans and in other cities up to a maximum of 100 million Tomans. Therefore, the average amount of housing bond facilities can be considered 120 million Tomans.

Purchasing power of 140 million Tomans bond facility in Tehran City According to the average price of residential units in this city, which is about 14 million tomans per square meter, it is equivalent to the cost of buying 10 square meters of a residential building. Therefore, the purchasing power of facilities in Tehran is lower than the national average.

But in other provinces of the country, the purchasing power of housing bond facilities is a significant rate.

In the cities Tehran Province Also, considering that the average price of residential units is estimated to be less than 10 million Tomans (according to the Statistics Center), therefore, with housing facility facilities that are offered in these cities around Tehran up to 100 million Tomans with total purchase and forgery facilities, It is possible to cover the cost of 10 square meters.

Details of information Statistical Center of Iran About the average housing price in all provinces shows: except Tehran province which Weight Tehran housing market is affected by it, moderate House price In 30 other provinces, the figure is between 2 million to 3 million tomans per square meter. Therefore, if we consider the average price of 2 million and 500 thousand tomans, the applicants to buy a house in Provinces of the country With the help of housing purchase bond facilities, they can finance the purchase of 40 square meters of a residential unit, and the rest the budget Cover the purchase with your savings.

This is the purchasing power of the bond facility (40 square meters) for the first house at the beginning Cohabitation They are looking to buy a mobile apartment with a maximum of 60 square meters, covering at least 67% of the credit needed to become a homeowner.

In the provinces of West Azerbaijan, Ardabil and Bushehr, the average housing price, according to the Statistics Center, is about one million and 500 thousand tomans per square meter. In the cities of these three provinces, the purchasing power of bond facilities is more than 65 square meters. Also in the provinces North Khorasan And Kurdistan, the purchasing power of housing bank bond facilities is estimated at more than 65 square meters.

But in the provinces of Yazd, Lorestan, South Khorasan, Chaharmahal va Bakhtiari And Ilam, with the help of housing bond facilities, the cost of buying 90 square meters of a house can be provided. Of course, in these provinces, the area of ​​houses is usually more than 100 square meters, but in the constructions of the last two or three years, there are also apartments with a smaller area. In this way, with 100 million Tomans of purchase facilities and forgery from bonds, it is easy to provide 80% of the cost of buying a house in these provinces.

After Tehran province, the most expensive provinces in the housing market are Alborz province and the province, respectively Esfahan are. the door Alborz Province The average housing price is 3 million and 560 thousand tomans Isfahan province Also 3 million and 535 thousand tomans.