When will the rural housing loan of 200 million be paid?

According to Tejarat News, it was at the beginning of August that the head of the Housing Foundation announced that applicants for rural housing loans of 200 million tomans can go to the offices of the Housing Foundation from August 8.

Now, after about 20 days from the start of registration, the payment of the difference in the facility rate has been notified to the banks. But it seems that the only problem in paying this loan is not the payment of the difference in the facility rate, but there is a serious and important problem in paying this loan; That there is no credit for paying the loan of 200 million for rural housing.

This news was announced by Masoud Mirkazemi, head of the Program and Budget Organization. In explaining this, he said: The government should have paid the housing subsidy through the housing subsidy fund, but this fund was empty.

But it seems that an attempt has been made to charge the credit of the fund for this year. For example, according to Kazemi, the Program and Budget Organization has deposited 800 billion to the National Housing Fund in the past, and the Bank of Housing has also been informed to deposit an amount. In September of this year, 4 Hamats will be deposited. The Ministry of Roads should also sell its assets and deposit them into the fund.

With this account, it does not seem that the rural housing loan will not be paid earlier than September or even October of this year, because until then the credit required to pay this loan has not yet been secured.

Conditions and problems of paying rural housing loans

Since November of last year, the issue of rural mortgage payment was raised. Before that, the rural housing loan was only 100 million tomans, but it was decided to reach 200 million tomans. The interest of this loan was 5% with a two-year breathing period and a 20-year repayment period.

But now, after a year, this loan has not yet been determined and not only has its payment not started, but the time of the loan payment is also not known.

At the same time, many experts believe that with a housing loan of 200 million tomans, it is not possible to build or buy a house in the village.

The average cost of each meter of a residential unit is about 7 to 10 million tomans. The cost of building a 70-80 meter unit is between 500 and 700 million Tomans, and the rural housing loan covers only a small part of the cost of building a residential unit. Besides, you can buy a house for 700 million Tomans in the outskirts of many cities and even in Tehran, and it is unlikely that anyone will spend their money on buying a house in the village between a residential unit in the village or the outskirts of the city.