Mortgage;

According to Mehr reporter, Housing has become a major problem for tenants in recent years. Also official statistics are also evidenced by this; The purchase of property in recent years, especially in the past five years, has become a dream that has increased their intellectual challenges throughout their lives.

Accordingly, according to the latest central bank report of “Tehran Housing Market Developments” The average increase in the price per square meter of housing is reported to 4 million and 6 thousand tomans, while 5 % of Tehrani households are tenants, in addition to tolerating a 5 % inflation of rentals, they should expect a medium -sized home purchase for 5 years.

Also, the Iranian inflationary economy is making the situation harder for tenants, and on the other hand, the report of the Iranian Census Bureau's macroeconomic indicators shows a 5.5 % share of housing in the Iranian household spending basket, but this number in Tehran has reached 4.9 % in Tehran. Is; In other words a family Tehrani More than half of their annual income will spend housing costs, if the family is a tenant, they will allocate half of their revenue for rent.

It is worth noting that the latest report of the central bank reports on the developments in the housing market of 5 % inflation in Tehran and 2 % in all urban areas of the country. Also, statistics show that high housing prices rise, it creates poor conditions for tenants and people, because Tenants are facing 5 % inflation.

Mortgage or installment nightmares?

What has made housing purchasing more difficult for tenants is the lack of banks in the field of housing purchase facilities, as well as Mohammad Bagher Ghalibaf, Speaker of the Islamic Consultative Assembly. About That The installments of the mortgage loans are heavy“According to the follow -up, banks pay for housing facilities, but people are unable to get loans and installments,” he said.

The housing market in recent years has been the recession by a number of factors, including dramatic increase in prices, reduced people's purchasing power, and banks' shortage in providing effective buyers. One of the main problems is the inability of many people to provide preparations or heavy installments of banking facilities that do not match the economic reality of families. In addition, the high interest rate and the strict conditions of banks have made access to mortgages more difficult for the middle and poor people.

Housing crisis; Where is the solution?

Accordingly, it seems that policies in the field Banking facilities (Increasing the ceiling of housing facilities, lowering interest rates and facilitating loan conditions for target groups), Price control (Creating pricing monitoring and preventing housing rate bubble growth), Increasing housing production (Support of construction, Especially In the form of projects such as social or supportive housing) and Empty house taxes (Increased tax pressure on empty residential units In order More supply of housing to the market).

An average of 1 to 5 years waiting for home!

Also, Mohammad Bagher Ghalibaf, Speaker of the Islamic Consultative Assembly Home home time is one of the most important economic issues for families“If every family saves one -third of its monthly income for housing, it will still take about 2 to 5 years in the lower deciles of the community, and for the middle classes in cities, it will take about 2 to 5 years to get home, while in Other Countries are 2 to 5 years.

One billion -dollar mortgage; Dream of about 2 meters of buyers!

In this regard, Davood Beiginejad Vice President In a conversation with Mehr reporter, the real estate union said that the purchase and sale of the housing market has moved to small -scale units due to the decline in the purchasing power of the tenants. He is paid, but if the applicant is a couple, it will increase to 5 million USD. If The applicant has one child, adding 2 million USD to this amount and a total loan. It can be received To one billion and 2 million USD.

He continued: To provide this amount from the Housing Bank, housing facilities must be purchased. The price of each sheet of securities is about 2 million and 6 thousand tomans and to receive one billion and 2 million USD loan, it is necessary to pay about 2 million USD for the purchase of securities. In addition, the applicant must pay about $ 5 million for the cost of the office. Therefore, the total cost of receiving this loan reaches about 2 million USD.

Vice President First, the real estate union added: “By deducting this amount of $ 1.5 billion, the real amount paid to the loan applicant will be about 2 million tomans, which, given the average price of each Miles Property in Tehran, may even respond to purchasing; Miles There is no housing either.

“Also, for a loan of 2 million tomans, the applicant has to pay 1 million and 6 thousand USD a month,” Beiginejad said. As a result, this loan can pose a heavy financial pressure for applicants.

Housing market in recession; What do buyers do?

According to Mehr, The problem of housing in Iran is complex and multidimensional, so it requires coordination between government, banks, private sector and policymakers; Although solutions cannot completely solve the housing market problems, it will be effective steps to reduce economic pressure on people and bring back to the housing market.

Also, given the current conditions to grant the public, it is necessary to revise the loan of banks, as the facilities must be tailored to the actual price of housing and the ability to repay households and reduce interest rates and facilitate loan conditions can empower low -income groups.

The housing pre -sale law; The capacity that is neglected

Of course, according to housing experts, the revival of pre -sale law and the creation of transparency in contracts can help the market's turnover and increase housing supply. Also implementation Serious Empty home tax law can encourage owners to offer these units in the market and help significantly reduce prices.