Banks are refusing to pay for housing because more than four months have passed since the government’s order. But what is the reason for non-payment of mortgage loans by banks?
Four months after the 13th government’s order to pay the mortgage loan, reports indicate that banks have refused to pay the mortgage loan. Some citizens say that the banks claim that they have not yet received the central bank directive, but the central bank says that the directive has been issued.
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Reason for non-payment of mortgage loans by banks
Many people have not yet been able to get a mortgage, as banks say they have not received a directive, as it has been a long time since the government ordered them to pay their mortgage. Mustafa Ghamari Vafa, the head of public relations of the Central Bank, said in this regard:
The Central Bank has issued this circular and the banks are waiting to receive the regulations of the Ministry of Roads and Urban Development.
This means that the Central Bank’s directive has been issued, but there is no news about the regulations of the Ministry of Roads and Urban Development. The result is the same for tenants, who are still unable to receive housing deposit facilities. On the other hand, on the eve of summer, which is the common season of relocations and extensions, this situation can become very problematic.
This is not all, and even according to some news, applicants can not even register in the announced system. Registration for the third stage of the mortgage loan has started on June 3, 1401, but unlike the last two years, this year the situation is different. The credit ceiling for this project is between 40 to 100 million tomans, and applicants who took out a loan last year only need to receive the loan difference this year. The interest on this loan is 18% and its repayment is 5 years.
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