Who is not granted a mortgage? / Payment limit for national housing construction loan

According to Tejarat News, it was the first time in the second half of May this year that the Minister of Roads and Urban Development announced the possibility of a 50% increase in construction loans in the National Housing Movement Plan.

The news that the Central Bank acted on after some time and the public relations of this institution announced the individual ceiling National housing movement loan It has increased to 550 million tomans. This loan ceiling, which previously had different amounts in different regions and cities, has since been determined in the same way in all cities of the country. But now, referring to the Central Bank’s letter to the CEOs of the banks involved in the National Housing Movement, new details of this plan have been determined.

In this letter, the Central Bank has emphasized that only the supporting projects are subject to the increase in the facility ceiling of this plan; This means that urban and rural self-owned projects are not subject to the increase of the ceiling and the reduction of the interest rate of the mentioned facilities.

In the self-ownership method, the land owners for construction – either mass or normal – on their own land, from National housing movement loan use.

The government’s inattention to the lower deciles of society

The target community of housing support projects all over the world is the middle and poor strata of society; Those who cannot afford the necessary capital to buy a minimum housing for their family and are forced to live in rented housing for the rest of their lives, which inflation makes their prices more expensive every day.

Now, according to this announcement of the central bank, people who are registered in the self-ownership scheme are subject to an increase in the ceiling National housing movement loan They can’t, but how many of them are able to complete their houses without government assistance and a ceiling and loan of 550 million tomans?

Now a large number of people are not even able to pay the initial payment of the National Housing Movement and monthly loan installments, and their complaints in this regard are proof of this.

How can the worker provide the required income?

As mentioned, some people have serious complaints in this regard; From the ineffectiveness of the support plans to the challenge in providing the necessary documents for registration; especially form c. This form shows that the applicants and their dependents have not bought a house or land or received a home loan within the specified time periods.

– “How can the worker have that amount if he has been a tenant all the time and can only add a small amount to the down payment and rent of the house every year. With this price, how much income do we have to pay both advance and rent? Should we save and give housing to the national movement? I personally can’t afford it. I only registered for the first year. I saw that I couldn’t afford the expenses, so I didn’t care about it anymore. I wish you would think for people like us who really cannot afford such a payment.

– “Think properly and calculate that the root of the housing problem of the people will be solved. A person who does not have a job only has to pay for his stomach and house rent and thousands of other problems. He really cannot pay the money you are saying.”

– “My uncle has paid two installments for the national housing. He is a tenant at the age of 60. Now he doesn’t have to pay anymore. He is unemployed and moving from one house to another. Worries and the rent is high.”

Meanwhile, the 13th government considers the provision of housing for the lower deciles of the society as its main concern, and Ebrahim Raisi has also said in this regard: “Providing housing for the people is one of the government’s most important priorities.”

Confirming the actions taken in land transfer and housing construction by various institutions, Raisi emphasized the seriousness of ministries, banks and different departments to continue these actions in the form of the national housing movement.

The plan of the National Housing Movement was presented two years ago and at the beginning of the work of the 13th government by the President’s cabinet. They promised to build one million housing units for tenants a year, but not even one unit has been delivered to the people!

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