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مشاوراملاک قرچک ***** سایت مسکن آلامتو***** (سرزمین طلوع خورشید) - شرایط اعطای وام ۴۰ تا ۸۰ میلیونی مسکن؛ شرایط پرداخت اقساط وام ۸۰ میلیونی
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مسکن > تسهیلات - همشهری آنلاین:
مدیرکل اعتبارات بانک مرکزی، جزئیات اعطای وام مسکن از طریق صندوق پس‌انداز مسکن و نیز مصوبه وام ۶۰ میلیون تومانی را تشریح کرد.

ایسنا نوشت: سیدعلی‌اصغر میرمحمدصادقی در نشست خبری با تشریح جزئیات مصوبه روز گذشته - سه‌شنبه - شورای پول و اعتبار درباره نحوه دریافت تسهیلات وام مسکن و همچنین اقساط و مدت بازپرداخت آن توضیح داد.

شروط دریافت تسهیلات از صندوق پس‌انداز مسکن

مدیرکل اعتبارات بانک مرکزی با بیان اینکه تسهیلات صندوق پس‌انداز مسکن در شهر تهران تا سقف 80 میلیون، شهرهای بالای 200 هزار نفر جمعیت تا 60 میلیون و در سایر مناطق شهری تا 40 میلیون تومان پرداخت می‌شود، گفت: خانه اولی‌ها شامل این طرح خواهند شد. آن‌ها کسانی هستند که از تسهیلات بانک مسکن و سایر بانک‌ها جهت خرید واحد مسکونی یا سهم‌الشرکه و همچنین از امکانات دولتی مانند زمین، تسهیلات یارانه‌ای یا تسهیلات مسکن مهر نیز استفاده‌ای نکرده و متأهل باشند.

وی با اشاره به اینکه سپرده‌گذاری در صندوق پس‌انداز مسکن با شرایط خاص انجام خواهد شد، افزود: بر این اساس مدت سپرده‌گذاری در این حساب حداقل یک ساله و در دو دوره شش ماهه خواهد بود. این در حالی است که هیچ‌گونه از تسهیلات حساب پس‌انداز مسکن با سپرده‌گذاری کمتر از یک سال پرداخت نخواهد شد.

میرمحمد صادقی با بیان اینکه به ازای هر شش ماه ماندن پول در حساب صندوق پس‌انداز مسکن منابع یک برابر افزایش می‌یابد، توضیح داد: به عنوان مثال اگر متقاضی10 میلیون تومان در این حساب سپرده‌گذاری کند برای دو دوره شش ماهه 20 میلیون به وی تعلق می‌گیرد که در پایان سال منابع سرمایه گذاری شده در قالب وام 30 میلیون تومانی که 10 میلیون تومان آن همان سپرده گذاری اولیه است به شخص بازخواهد گشت.

مدیرکل اعتبارات بانک مرکزی در ادامه گفت: در طول دوره زمانی خوابیدن پول در حساب پس انداز مسکن هیچ سودی به آن تعلق نمی گیرد اما اگر متقاضی در این فاصله انصراف دهد مطابق با نرخ روز سود سپرده کوتاه مدت که اکنون 10 درصد است به وی سود پرداخت خواهد شد.

وی با تاکید بر اینکه افرادی که در صندوق سپرده‌گذاری ممتاز بانک مسکن حساب دارند به هیچ عنوان نمی‌توانند از مزایای صندوق پس‌انداز مسکن استفاده کنند خاطرنشان کرد: بنابراین در صورت تمایل باید انصراف داده و مانند کسی که در ابتدای سرمایه‌گذاری در صندوق پس‌انداز مسکن است اقدام کنند. از این‌رو برای چنین افرادی بهتر است که در همان صندوق سپرده‌گذاری ممتاز بانک مسکن بمانند.

شرایط پرداخت اقساط وام 80 میلیونی

میرمحمد صادقی همچنین با اشاره به سود 14 درصدی تعلق گرفته به وام‌های دریافتی از صندوق پس‌انداز مسکن، گفت: حداکثر زمان بازپرداخت این تسهیلات 12 سال است که البته متقاضی می‌تواند در مدت کوتاه‌تری آن را برگرداند.

وی ادامه داد:‌ با درنظر گرفتن سود 14 درصد و دوره زمانی 12 ساله، قسط پرداختی برای وام 80 میلیونی در هر ماه حدود یک میلیون و 150 هزار تومان، برای وام 60 میلیونی حدود 860 هزار تومان و برای وام 40 میلیونی نیز نزدیک به 580 هزار تومان خواهد بود.

مدیرکل اعتبارات بانک مرکزی در برابر این پرسش که آیا اقساط تعیین شده برای دریافت تسهیلات 80 میلیونی برای زوج‌ها سنگین نیست؟ پاسخ داد: به هر حال این وام برای گروه‌های زیر متوسط و متوسط می‌تواند ایده‌آل باشد و به نظر نمی‌رسد که حجم قسط‌ها سنگین باشد.

پرداخت وام 80 میلیونی حداکثر سالانه به 84 هزار نفر

مدیرکل اعتبارات بانک مرکزی با بیان اینکه منابع لازم برای اجرای طرح صندوق پس انداز مسکن صرفا از محل وصولی اقساط مسکن مهر در 7 سال آتی تامین خواهد شد گفت: بنابراین بانک مسکن باید به گونه‌ای برنامه‌ریزی کند که تنها منابع خود را از این محل تامین کرده و به منابع پرفشار بانک مرکزی دست نزند.

وی افزود: بررسی‌های ما نشان می‌دهد که بانک مسکن در شرایط فعلی و با توجه به منابع موجود می‌تواند سالانه به 84 هزار نفر در کل کشور از طریق حساب صندوق پس انداز مسکن تسهیلات بپردازد بنابراین در صورتی که منابع پیش‌بینی شده افزایشی نداشته باشد باید بعد از ثبت نام 84 هزار نفر در هر سال سایت ثبت نام بسته شود.

احتمال ابلاغ دستورالعمل صندوق پس‌انداز مسکن تا آخر هفته آینده

مدیرکل اعتبارات بانک مرکزی همچنین در رابطه با زمان اجرایی شدن مصوبه راه‌اندازی صندوق پس‌انداز مسکن گفت: بانک مسکن باید دستورالعمل اجرای این طرح را ظرف هفته آتی به بانک مرکزی ارائه و در صورت تایید این مصوبه تا آخر هفته‌ آینده ابلاغ و اجرایی می‌شود.

وام 35 میلیون تومانی همچنان پابرجاست

میرمحمد صادقی یادآور شد:‌ در حال حاضر صندوق پس انداز مسکن بر ارائه تسهیلات از این طریق تاکید دارد که تنها از سوی بانک مسکن اجرایی خواهد شد در عین حال که وام 35 میلیون تومانی خرید که به همراه 10 میلیون جعاله حدود 45 میلیون تومان شده و پیش‌تر توسط بانک مسکن پرداخت می‌شد همچنان پابرجا خواهد بود.

اعطای وام 60 میلیون تومانی مسکن با سود 21 درصد

به گزارش ایسنا، مدیرکل اعتبارات بانک مرکزی در بخش دیگری از سخنان خود به تشریح مصوبه دیگر شورای پول و اعتبار برای اعطای وام خرید و ساخت تا سقف 60 میلیون تومان پرداخت.

وی با بیان اینکه تسهیلات خرید و ساخت در شهر تهران 60 میلیون، شهرهای بالای 200 هزار نفر جمعیت 50 میلیون و سایر مناطق شهری 40 میلیون تومان خواهد بود و تنها در بانک‌های تجاری اعم از خصوصی و دولتی پرداخت خواهد شد گفت: سود تعیین شده برای بازپرداخت این وام‌ها در قالب عقود مبادله‌ای یعنی 21 درصد در خرید است و در ساخت در زمان مشارکت 24 درصد خواهد بود که هنگام فروش اقساطی به 21 درصد کاهش می‌یابد.

مدیرکل اعتبارات بانک مرکزی در رابطه با مدت زمان بازپرداخت وام 60 میلیونی توضیح داد: هیچ مدت زمانی در این رابطه مصوب نشده و به تفاهم متقاضی با بانک عامل بستگی دارد. همچنین سپرده‌گذاری برای این وام نیاز نیست و بحث اوراق نیز مطرح نخواهد بود.

وی در مورد اینکه آیا بدون سپرده‌گذاری و با سود 21 درصد بانک‌ها حاضر به پرداخت وام 60 میلیونی مسکن خواهند بود تاکید کرد:‌ بی‌تردید یکی از مطمئن‌ترین وام‌هایی که بانک‌ها می‌توانند پرداخت کنند همین وام 60 میلیونی مسکن به دلیل دریافت وثیقه مطمئنی مانند ملک خواهد بود که در این حالت ریسک بانک‌ها را به شدت کاهش می‌دهد.

میرمحمد صادقی در پایان با اعلام اینکه وام 60 میلیونی مسکن در بانک مسکن پرداخت نمی‌شود، خاطرنشان کرد: احتمالا تا یکشنبه آینده مصوبه اجرای این وام نیز به بانک‌ها ابلاغ خواهد شد.





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