Will the national housing movement plan come to an end? / empty slogans; Fake houses!
According to Tejarat News, the construction of one million housing units per year in the form of the National Housing Movement Plan was the promise of the 13th government at the very beginning. A promise that was criticized from the beginning by experts in this field, because there was no financial source to provide such a big project in the country and it was built only on the basis of the applicants. In the meantime, a share of financing was the responsibility of the banks, which is now clear that it has not yet reached the implementation stage!
Discoloration of the government’s dream
The annual construction of one million residential units, considering the country’s economic situation and the existing bottlenecks, was an impractical and dreamlike promise from the very beginning. The problems of securing land, securing financial resources, agreeing with contractors, coordinating with the banking system and things like that were the real challenges on the way to realizing the impossible dream of the government.
In the beginning, the government had offered the mass builders of the private sector an amount of about 4,500 to 4,700 thousand tomans for the construction of each meter, but this amount was neither in line with the economic realities, nor was it reasonable and cost-effective considering the inflation of the country’s economy. ; As a result, mass builders did not enter this area for construction.
These consultations continued even until the winter of last year, until the government, after denying it twice, finally announced an agreement with the Chinese to advance this project. Based on this, it was decided that the Chinese would deliver 1,200,000 units in exchange for the oil, with the same amount proposed by the government. Of course, since then, there is no news of the presence of the Chinese!
Statistics have recently been announced regarding the injection of money into this project; According to ISNA report, so far 66 thousand 200 billion tomans have been deposited to the builders’ accounts from the applicants and bank facilities. Of this amount, about 26 thousand billion tomans have been injected by the applicants and 40 thousand 200 billion tomans by the bank.
However, it seems that despite the injection of funds into this project (as claimed), the implementation of the plan has not yet been implemented, and now that we are on the threshold of the government’s two-year anniversary, even one residential unit is ready from the National Housing Movement plan. People have not been delivered.
According to the promises, the government was supposed to deliver 500 residential units of the national housing houses in June this year, but after two years, there is no news of the same number of residential units! From the beginning of 1402 until now, what measures have been taken by the government to advance the project of the National Housing Movement?
increasing the loan amount of the National Housing Movement; From promise to action!
It was the second half of May when the Minister of Roads and Urban Development announced the increase in the loan limit of the National Housing Movement. Before this, the ceiling of this facility was set at 450 million Tomans. However, later it became clear that this promise is subject to the approval and approval of the relevant authorities and is still far from being implemented.
This is despite the fact that according to the Director General of Housing Economics of the Ministry of Roads and Urban Development, in the first year of Ebrahim Raisi’s presidency, the amount of the National Housing Movement’s facilities was 360 thousand billion tomans, and this amount reached 548 thousand billion tomans in the second year, but the banks have only provided about 111 thousand billion tomans so far. Toman have signed a contract. These include facilities in the form of self-ownership, national housing movement, rural housing and housing deposit paid to qualified applicants.
As written by Farhikhtegan newspaper, the statistics show that in the first year, 18% and in the second year, 17% of the legal obligation of the banks in paying the facilities of the National Housing Movement was fulfilled, and in total, the performance of the banking system in providing facilities to the National Housing Movement was only 17.5%. Is.
Another point to consider in this regard is that reports have recently been published that the banking system has lent more than twice the payment facilities to the National Housing Movement to related parties. With these words, how can we expect all applicants to be able to benefit from the increase in loan facilities of the National Housing Movement?
Lowering the loan interest rate of the National Housing Movement; Ineffective ointment!
From the beginning of the establishment of facilities for the residential units of the National Housing Movement, there were whispers about the inability of the people to pay the installments of this loan. Until a few days ago, referring to the report of the executive vice president, about the lack of financial ability of some eligible people in the housing scheme to provide advance payments, he assigned the Ministry of Housing and related institutions to take the necessary measures to remove the needy and eligible people from the list. Applicants should not be excluded from the housing plan.
After this issue, the Minister of Roads and Urban Development announced the agreement of the Central Bank to reduce the interest rate on the National Housing Movement loan, and it was finally announced yesterday that the interest rate on this loan was reduced from 23% to 18%.
Of course, in addition to what the consequences of reducing the interest of the facilities in the midst of the banks’ dissatisfaction and the imposition of various tasks by the government will have on the banks, it seems that even the reduction of the interest to 18% cannot cure the pain of the people.
It seems that either the government does not have a correct understanding of the economic situation of the target community of the national housing movement plan, or that it is trying to control prices in the middle of the housing transaction season with the same old news treatment method.
After two years, the time has come for the government to realistically look at the issue of supportive housing. Houses that, if paid in installments and delivered correctly, may be a ray of hope for tenants whose lives have become more difficult every day due to rent inflation.
Although in an older experience, the Mehr housing units have not been fully delivered to the applicants after about 15 years, and the government has promised to deliver them by the end of summer!
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