Which applicants do not get a national mortgage? – Tejarat News
According to Tejarat News, the Governor General of the Central Bank emphasized that the bank facilities will be paid in proportion to the progress of the housing leap project and said: The more progress this project has in the Ministry of Roads and Urban Development, the bank facilities will be paid in the same proportion.
According to Ibena, Ali Salehabadi stated: the national housing movement has not reached the stage of loan payment. Part of the conditions for receiving a loan depends on the fact that the applicant must have an income.
Salehabadi emphasized in his interview last Thursday with Sedavasima: The reason why some people have not been able to receive their loans is that they have not yet brought any documents with them.
He said: Another important point is that the loan will be paid according to the progress of the housing plan; That is, the more progress the plan has, the loan will be paid in the same proportion. Since the projects have just started, the more physical progress is made in the coming months and years, the higher the loan amount will be.
The head of the Central Bank also said: Currently, about 66% of the banks’ facilities are allocated to the working capital of production and service units, and 15% of the facilities have been paid to micro-needs. The needs for banking facilities are unlimited, but the banks’ ability to pay is limited, the excess responsibility should not be placed on the banks.
Granting facilities to the housing jump plan
The deputy of the central bank’s credit department said: By complying with the framework of the resources and expenses of the banking network and fixing the system defects of the Ministry of Roads and Urban Development, as well as the agenda of the government regarding the diversification of the financing of the housing leap project, the implementation of this project will be faster. took ,
Referring to the housing production jump law, Sahabi emphasized the need for greater coordination between the Ministry of Roads and Urban Development, the Central Bank and banks in order to speed up the implementation of the law and said: the instructions related to the housing production jump law were prepared with the cooperation of the Ministry of Roads and Urban Development and distributed to the network. It was notified to the bank, while considering the approvals of the Supreme Housing Council and the uncertainties raised by the banks and the Ministry of Roads and Urban Development in order to facilitate the implementation of the said law, it was updated and notified to the banking network. Also, the individual ceiling of facilities was proposed and approved in the Money and Credit Council.
Referring to the bank-oriented nature of the financing of this law, the Deputy Director of Credit Department of the Central Bank added: One of the most important problems of the National Movement plan is that its financing is considered to rely solely on banking resources and facilities, and the banking network is based on The numerous tasks assigned to it according to various laws and approvals are practically facing limited resources and one should be careful that the implementation of these tasks due to their multiplicity and the financial situation of the banks leads to the use of the powerful money of the Central Bank which actually leads to an increase Liquidity and monetary base growth and finally double inflation which is one of the red lines of the 13th government.
Sahabi added: However, one of the other things worth mentioning is that the mentioned plan is system-oriented, and practically, from the beginning of registration to the payment of the facility, it must be done through the system of the Ministry of Roads and Urban Development, and the communication between the banks and the system of the Ministry of Roads and Urban Development Last month, there was actually a problem, and recently, the possibility of connecting to the system and introducing applicants to the operating banks through the system has been provided.
He continued: Housing Bank, which has been connected to this system for similar projects since the previous years, has performed well at the moment, in the amount of 630,000 billion Rials contracts for national movement projects by Housing Bank and the applicants in the amount 213 thousand billion Rials of facilities have also been paid.
The deputy of Central Bank’s credit department added: among other things worth mentioning is the fact that the aforementioned law is not only about urban housing facilities, and in addition to this heading, rural housing facilities, unexpected events and housing deposits are also being implemented in the same framework. and payment is; In such a way that since July of this year, when the ceiling for housing deposit facilities was approved and notified in the Money and Credit Council, 159 thousand cases have been filed and 121 thousand items of facilities have been paid in the amount of 69 thousand billion Rials. In addition, 66 thousand billion Rials of facilities were paid for rural housing last year. Also, 57 thousand billion Rials of facilities for the construction and renovation of rural and urban places have been damaged and unforeseen events have been paid by the banking network.
Referring to the wide acceptance of the people at the beginning of the project, Sahabi said: Although the project was well received at the time of registration, about 333,000 people have already paid their contributions, and among the effective applicants for the mentioned facilities who have contributed have paid, a significant drop compared to the previous plans is observed.
In the end, the deputy of the credit department of the central bank pointed out: Also, the current year’s quota of the housing production surge law, in the amount of 4.580 thousand billion rials, has been notified to the operating banks on September 31, and it is hoped that the project will be implemented within the framework of resources and costs. banking network and fixing the defects of the system of the Ministry of Roads and Urban Development (which even now the central bank as a supervisory body does not have an information dashboard in this system) as well as the work agenda that is underway in the government regarding the diversification of the financing of this project, the speed get more ,