Conditions and registration of housing loan 1402

Conditions and registration of housing loan 1402

The increase in housing prices compared to the salary of the general public has made owning a house a dream for most people. In the meantime, it may be possible to shorten the distance between this dream and the reality by taking help from the bank facility to buy housing. For example, we have already explained the mortgage loan for the third child and the loan for housing construction; But there are some other loans for buying housing.

In general, mortgage loans are provided by three mortgage banks, Saman and Meli. In this article, we will explain the conditions of each and we hope you can use these loans.

Saman Bank mortgage

According to Saman Bank’s website, this bank lends up to 50% of the value of the purchased property. Of course, the value of the property is determined by the bank’s expert. The ceiling of this loan is one billion and five hundred million tomans. If you want to use the property repair loan at the same time as the property purchase facility, the property repair facility will be a maximum of 30% of the property value.

The important thing is that your loan amount is determined based on your ability to repay. The interest rate is the same as the rates announced by the central bank. You can repay this loan in monthly installments up to 5 years.

If you take this loan, your property will be mortgaged by the bank. This facility is only granted to one person; It means that six dong property must be in the name of one person to be able to use this facility. Also, the purchased residential property must be easy to sell, i.e. it can be easily bought and sold, it must be uncontested, i.e. the endowment office or anyone else has no claim on it, it must be within the boundaries of the municipalities, and it must have a valid completion.

To receive this loan, you must not have outstanding claims in the country’s banking system or bounced checks, and the result of your credit evaluation and validation by the bank is decisive. This bank does not require a deposit for a mortgage.

Housing Bank facilities for buying a house

Bank Maskan has defined three plans for housing loans. We have already explained the conditions of youth mortgage registration.

Another loan model of this bank is to purchase housing through premium bonds. According to the information on the Housing Bank website, the facility ceiling in this plan is different based on the geographical area and individual or couple requests. If you apply individually, in Tehran for properties up to 25 years of construction, 400 million Tomans, in provincial centers and cities with over 200,000 inhabitants, 320 million Tomans, and in other cities, 240 million Tomans.

Individual housing loan for properties over 25 to 30 years in Tehran is 320 million Tomans, centers of provinces and cities with more than 200,000 people are 240 million Tomans, and other cities are 160 million Tomans.

Housing loans for couples for houses up to 25 years of construction in Tehran are 800 million Tomans, centers of provinces and cities with over 200,000 inhabitants are 640 million Tomans, and other areas are 480 million Tomans. If the age of the house is more than 25 to 30 years of construction, in Tehran, the maximum loan amount for married couples is 640 million Tomans, provincial centers and cities with a population of over 200,000 are 480 million Tomans, and other areas are 320 million Tomans.

The interest rate of this loan is 21% in urban areas and 22.5% outside urban areas. This loan is given to you by purchasing bonds, and its condition is that there is no history of bounced checks and overdue debt in the banking system. Note that your property must have certain characteristics to be able to receive this loan; For example, building strength and building quality control are important, and 80% of the value of the purchased property should not be less than the value of the facility. This value is also verified by the bank, and otherwise, you will be granted a facility equal to 80% of the value of the property.

You can apply for this facility in person by visiting This link register. Also, you can get more details of this loan at this page See:

Another plan of housing purchase facility of Bank Maskan is the housing savings fund account. The ceiling of this facility is 200 million tomans and it is granted with an interest of 11%. To receive this loan, you must have made a deposit for at least one year and a maximum of 2 years, and the minimum deposit amount is 2 million 900 thousand tomans and its repayment is 10 years and 12 years.

This loan is given to houses that are less than 30 years old and meet the requirements of the 2800 regulation, building strength, building quality control. If you want to know the full conditions of the property and the age of the building in order to receive a loan from Bank Maskan This link It is fully explained.

Your account score in this deposit will be equal to the average balance every six months; For example, if you have deposited 10 million Tomans for one year, you can borrow 20 million Tomans at the end of the year.

In the past, Maskan Bank used to grant loans through the 1st Housing Savings Fund, but this account will no longer be opened as of 9/8/2013.

Housing certificate facility of Melli Bank

National Bank grants housing loans in a plan called “Special Investment Deposit Account for Housing Certificate”, although the limit of this facility is not as high as the previous two banks and it may not be of much help to you. To receive this loan, you must first open a normal short-term deposit account in this bank, and the loan can be provided in 2 plans based on the deposit amount and duration.

The individual limit of this facility is 200 million tomans in Tehran, 160 million tomans in provincial centers and cities with over 200,000 inhabitants, and 120 million tomans in other cities. Couples can receive up to 400 million tomans in Tehran, 320 million tomans in provincial centers and cities with over 200,000 inhabitants, and 240 million tomans in other cities.

By depositing in this plan, you will be given a share of housing bonds and you can get housing preemption bonds that can be presented in the stock market. More details about this plan can be found at this address view

Melli Bank’s housing loan facility is 80 million tomans maximum with a repayment period of 36 months and 17.5% interest if it is from the place of bonds. The facility without buying bonds is up to 40 million Tomans, maximum 36 months and 18% interest.

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