In an ierview with Mehr reporter, Farshad Soleimani explained about the status of elite housing loans since last year and stated: Last year, the housing loan of the National Elite Foundation was 1 billion tomans with an ierest rate of 23% and with a maximum repayme period of 20 years, but this amou was Paying atteion to the fact that housing prices had risen, it was not enough to buy housing.
Referring to the negotiations with the ceral bank to increase the amou of mortgage loans, the vice preside of developme and resource manageme of the National Elite Foundation said: These negotiations finally led to the fact that in late March 1402, the ceral bank and the Money and Credit Council agreed that the mortgage loan would be 2 billion Toman to increase.
Iroducing 170 elites to the bank to receive mortgage loans in 1402
Soleimani, announcing that last year we iroduced 170 applicas to the banks to obtain 170 billion Tomans of housing loans, noted: Of course, this letter of iroduction does not mean receiving a loan, because it is not clear how many of these people have succeeded in receiving a loan. Because some people get a loan letter from us, but for various reasons, they stop receiving the loan and don’t inform us anymore.
He coinued: Our approximate statistics show that in 1402, more than 70% of loan applicas, i.e. 150-140 of home loan applicas, succeeded in receiving loans.
Since the beginning of the year, 170 people have applied for 2 billion housing loans
The Vice Preside of Developme and Resource Manageme of the National Elite Foundation stated: In 1403, uil the end of August, we have iroduced 170 applicas to the banks to receive 350 billion Tomans in housing loans.
40 million tomans mortgage installmes / negotiation to reduce the ierest rate in the new governme
Referring to the 40 million toman installmes of the 2 billion toman mortgage loan, Soleimani said: Last year’s elite housing loan installmes are 20 million tomans per moh, and the new installmes are 40 million tomans. . In the previous governme, there were discussions with the late Ayatollah Raisi to reduce the ierest rate for the elite from 23% to at least 14%, in which case the amou of installmes would be reduced to about 30 million per moh, but unfortunately, after Mr. Raisi’s martyrdom, this The matter remained sile.
He added: “Alhamdulillah, the opinion of Dr. Al-Badzikian is also positive in the discussion of the elites, and he has emphasized several times in his speeches.” Considering the possibility of changes and developmes in the Ministry of Economy and the Ceral Bank, we are waiting for the task to be clarified so that we can raise our request again.
Meeting with the credit officers of 8 operating banks / lack of liquidity of the banks, the reason for non-payme of loans
The Vice Preside of Developme and Resource Manageme of the National Elite Foundation, while stating that some banks did not allocate loans to applicas for various reasons, said: In this regard, we held a meeting with the credit officers of 8 operating banks whose duty is to pay this loan. Banks stated that one of the factors of non-allocation of loans is lack of liquidity with imbalance or negative balance and stated that the ceral bank does not allow us to do this. Our argume was that even if we iroduced a thousand elites to the banks, it would amou to about 2 thousand billion tomans, which is not a high amou in our banking system, and we ultimately did not accept the banks’ argume.
Poiing out that after this meeting, positive things happened and Bank Melli and Bank Maskan are cooperating very well and this loan is being paid, he noted: If we can reach an understanding with the ceral bank to lower the ierest rate a bit and the amou of mortgage installmes will be lower, the problems will be solved.
Consultation with the ceral bank about easing the terms of graing loans to elites
He stated: One of the conditions for graing a housing loan was that the amou of the loan plus its ierest in 20 years (that is, about 8 billion Tomans) must be at least 80% of the amou of the housing that the person was to buy. That is, the price of the house should have been over 8 billion tomans, which was not possible for many elites, especially those who are young and have just started working. In the end, it was decided that the banks should accompany in this story and consider the price of housing almost equal to the price of the loan and not to be strict in the discussion of ierest.
Requireme of banks to provide 80 million pay slips! / Correspondence with the ceral bank
Referring to the correspondence with the ceral bank regarding the strictness of the banks in graing mortgage loans to the elites, the vice preside of developme and resource manageme of the elite national foundation said: Banks have set the condition that a mortgage loan will be graed to an elite person if the loan installme is twice the loan amou. 80 million tomans payslips should be preseed, the National Elite Foundation is consulting with the ceral bank to pay this loan with 40 million tomans payslips (equivale to loan installmes).
