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Conditions and registration of child adoption loan 1402

For some time, the government has added a new loan to its list of loans and provides facilities to families who have children. This loan is granted to the first to fifth child of eligible families. To know what the conditions are for receiving this loan and what steps you must take to receive it, stay with Zomit until the end of this article.

Childbearing loan and its amount in 1402

A child bearing loan is a facility that is given to families with babies or children to provide financial support for their children. This loan is granted to the father of children who were born after 1400.

The child bearing loan is not granted to only one child in the family, and the first to fifth children of each family who were born after 1400 can receive this loan. The amount of this loan is different for different children of the same family:

  • First child: 30 million tomans
  • Second child: 60 million tomans
  • Third child: 90 million tomans
  • Fourth child: 120 million tomans
  • Fifth child: 150 million tomans

Of course, receiving a childbearing loan in 1402 has other conditions, all of which are mentioned in the rest of this article.

Conditions for registering a childbearing loan

In addition to the condition that the child of the family must be born in the year 1400 or later in order to receive the childbearing loan, several other conditions are necessary for this facility to be granted to a family. These conditions are:

1- According to Note 4 of Article 1 of the Family and Youth Protection Law, the loan facility for children is granted to families whose birth rate of the city of the father’s or child’s birthplace is not higher than 2.5.

2- The child must be born on April 1, 1400 onwards, and a maximum of two years have passed since his birth in order to be granted a child bearing loan.

3- Although up to five children from each family can receive a child bearing loan, this facility is granted to each child only once.

4- Even if the applicant has another child at the time of repayment of the childbearing loan, this facility will be granted to the new child as well.

In addition to these general conditions, the child bearing loan also has specific banking conditions:

  • You don’t need to make a deposit with the bank to get a child bearing loan
  • A valid guarantor and promissory note are required to receive this loan
  • The annual fee for this loan is four percent
  • The repayment of this facility starts 6 months after receiving the loan amount

Childbearing loan repayment period

How long you have to repay your loan and settle your loan depends on the amount of the loan you received. If you took a loan after the birth of your first child, i.e. you borrowed 30 million Tomans, you must repay your loan within 36 months (three years).

If the amount of your loan is 60 million Tomans (for the second child), it is necessary to settle the loan within 48 months (four years). If you took a loan of 90 million tomans, you must repay it 60 months (five years) after receiving the loan. If the loan you took was for the birth of your fourth child and it was in the amount of 120 million tomans, you have 72 months to settle it, and if you took a loan of 150 million tomans, you have up to 84 months (seven years) to pay the installments and settle the loan.

Necessary documents to register for a childbearing loan

In order to be able to receive a child bearing loan, you must provide two types of documents. The first category is the documents that you have to upload to the childbearing loan registration system at the time of registration for this loan. The second category is the documents that you must submit to the bank in order to be granted this facility.

In the age of online registration You need to submit the following documents for a child bearing loan:

  • Parents’ birth certificate information
  • National card information of parents
  • Birth certificate information of the baby
  • Postal address of residence
  • Postal code of residence

This list of documents is also required Bank Provide:

  • Provide a copy of the birth certificate of the parents
  • Providing a copy of the parents’ national card
  • Providing copies of all pages of the baby’s birth certificate
  • Presentation of a promissory note
  • Providing a copy of the guarantor’s birth certificate
  • Providing a copy of the guarantor national card

Childcare loan registration site

The first step to be able to get a child bearing loan is to register it online. It is possible to apply for this loan only online and through the system intended for it.

To register for a childbearing loan, you must go to the related system Qarz Al-Hasna facility system, marriage and child loans that the Central Bank has considered, refer to the address www.ve.cbi.ir. After entering this site, you need to go through several steps to be able to register for childbearing facilities.

Procedures for registering a childbearing loan

In this section, we will tell you what steps you should take to register for a childbearing loan. As a rule, the first thing is to type the address www.ve.cbi.ir in your browser and search. After entering the system, on the first page, click on the option “Qarz Al-Hasneh Fardz loan facility system”.

Next, you will be shown a page where you can view various services. Click on the “New Registration” section on the right side menu of this page. In the next step, you will be shown a form that you need to complete with the requested information and after finishing the registration, select the “Continue” option.

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