Removal of workers from the list of applicants for housing loans/ workers’ rights 9 million, housing installment 35 million – rahnam

According to the economic correspondent of rahnam News Agency, when it comes to the living expenses of workers and problems in providing their livelihood, experts always raise the issue that about 70% of workers’ livelihood portfolio is spent on housing expenses.

The latest statistics of the Iranian Statistics Center show that the average housing price has decreased by 5% this summer.

One of the ways that can help workers on the path to owning a house is to receive housing benefits. Unfortunately, with the current conditions of loan payments, the workers cannot afford the installments.

According to the decision of the Supreme Labor Council, workers’ salaries increased by 27% in 1402. Based on this, the monthly minimum wage increased from 4 million 179 thousand 750 tomans in 1401 to 5 million 308 thousand 282 tomans in 1402. It means that a worker in Tehran earns about 9 million tomans by receiving employment benefits. Now, how is it possible for a worker to pay for food, health, education, clothing, transportation, entertainment, communication, goods and services, and most importantly, housing rent, to get a mortgage with high installments?

The payment of the new facility of Housing Bank for large households in Tehran by receiving the housing loan limit is such that none of the workers can receive it because they have to pay monthly installments of 35 million tomans; This figure is not consistent with the average income of working families and is several times the salary of workers.

Arman Hajianfard, an economic expert, believes that: Housing Bank receives about one billion and five hundred million tomans from housing buyers for giving a loan for the purchase of housing with the repair of it in the total amount of 960 million tomans, with an interest rate of 22.5 and a 12-year repayment period, which according to The price of housing bonds is about 180 million tomans, the rate of the said facility reaches over 30%.

He said: In fact, if we subtract 180 million tomans from the price of housing bonds from the amount of the facility, which is 960 million tomans, the housing purchase facilities for buyers will be around 780 million tomans, which will collect about 200% interest from housing buyers in 12 years. Now, according to the average The price of each square meter apartment in Tehran is about 80 million tomans, this facility is enough to buy a 10 square meter apartment, and if we consider the minimum size of apartments to be 50 square meters, people should have about 3 billion tomans in savings in order to own a house. It is from the mind.

This economic expert said: In fact, banks are thinking more about their income by paying facilities than about getting people a house!! And these services will certainly not be a factor for housing for the workers and employees who live with salaries and wages below the poverty line.

*People can’t afford to pay heavy mortgage installments/necessity to deal seriously with housing hoarding

Ara Shawardian, the representative of Armenians in Tehran and the North of the country in the parliament, regarding the status of payment of housing facilities, said: One of the main foundations of housing construction and the implementation of the law of jump in housing production is the payment of bank facilities, which, unfortunately, banks, especially private banks, did not have a defensible performance in this area. And this has caused the President to oblige the Ministry of Economy to fine the banks in the last meeting of the Supreme Housing Council.

Stating that people cannot afford to pay the heavy mortgage installments, the member of the presiding committee of the Parliament’s Construction Commission said: The organization of the housing market depends on increasing the production and immediate supply of hoarded units.

The representative of the Armenians of Tehran and North of the country in the parliament added: According to the law on the jump in housing production, banks were obliged to pay 20% of their facility resources to the housing sector, which in the first year reached 360 thousand billion tomans, but except for Housing Bank, other banks They were very weak and close to “zero”, and this has been one of the main factors of slowing down the housing construction process in the country.

This representative of the people in the 11th parliament pointed out: Of course, in the law of jump in housing production, an executive guarantee is also considered for the payment of facilities in the housing sector, and the Ministry of Economy was obliged to impose a tax penalty on banks. However, despite the non-implementation of the commitment, these crimes have not been implemented so far, which we hope will be realized by the order of the president and the banks will cooperate more in paying housing facilities. On the other hand, during the review of the 7th plan bill, there was also a resolution to guide the banks in the way of payment of facilities, which we hope will be implemented properly.

Shawardian pointed out: In the housing purchase sector, loans have grown well, although due to the huge price gap and the heavy loan installments, the poor and low-income groups do not have the opportunity to benefit from them. The population with 4 children and more has increased to one billion and 900 million Tomans in Tehran, which brings installments of about 35 million Tomans, and it is certainly the responsibility of the general public, including foreign workers, to pay it.

The member of the committee of the building committee of the Majlis stated that unfortunately we are witnessing the imbalance of housing prices and the rates and profits of housing facilities and added: This imbalance is caused by the disruption of supply and demand in the housing market and the Golan brokers in this turbulent market, which requires regularization and organization. It depends on the development of housing construction and the immediate supply of units occupied by large buyers.

*Strange inconsistency of the minimum wage of workers with the amount of mortgage installments/the need to curb the activities of dealers and speculators

Abdul Jalal Iri, the spokesman of the Majlis Construction Commission, said: According to the news published in the media, the housing price index has increased by 215 times between 1377 and 1400, while the minimum wage of workers has increased by 88 times during these years. While people cannot afford to pay its heavy installments, of course, this statistic should be carefully examined.

Referring to the increase in house prices and people’s inability to pay for housing facilities, he said: Housing is one of the demands of the people, which unfortunately has faced a sharp increase in recent years, which is very different compared to the increase in the minimum wage of workers.

Referring to the publication of news in different media about the increase in the housing price index in the past decades, this representative of the people in the parliament stated: the housing price index has increased about 215 times during the period of 1377 to 1400, while the minimum wage of workers during these years is about 88 has increased by a lot, which is a huge difference, and this gap must be filled by increasing facilities.

Referring to the over 35 million installments of the one billion and 900 million toman housing facility for families with more than 4 children, this representative of the people in the parliament said: the payment of installments with these figures is beyond the responsibility of the people, and therefore the amount and manner of paying the housing installments should be considered. be seriously revised.

The spokesman of the Parliament’s Construction Commission emphasized that most Iranian families cannot afford to pay the heavy installments of housing facilities and stated: The statistics related to housing prices in the past periods should be carefully examined. We must also plan to control this turbulent market to increase the industrial production of construction and curb the activities of dealers and monopolists.

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