Iraqi bank to grant loans to buy housing
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Iraqi bank to grant loans to buy housing
Date: November 29, 2016
Islamic Bank of Mesopotamia raise the ceiling to grant loans for the purchase of residential buildings to 150 million dinars
Mesopotamia Islamic Bank , the Ministry of Finance announced an increase grants to buy housing loans to the role of KD 150 million instead of 100 million dinars.
The general director of Mesopotamia Bank Abdul Hussein Ali Mundhiri told I followed "NEN Iraq," said the bank began sprayed loans to all citizens for the purpose of buying a property that does not exceed the 150 million dinars Indicating that the bank put FAQ crisis for the granting of these loans through four branches and contained to be the upper limit for the amount of purpose to buy a property for housing is (150) million and the duration of repayment installments not to exceed the (10) years
He Mundhiri that the bank identified the proportion of Murabaha for the granting of these loans is 38% and that provides student loan guarantee personal sponsor number (2) of the state departments staff to cover their salaries monthly premium and Murabaha after deducting obligations in case they have an advance or a previous loan and regulates the pledge of the Department of sponsor under the currently approved in the granting of loans and advances model.
He Mundhiri that student loan pays a minimum margin of seriousness (15%) of the value of the property and is considered an advance payment of the purchase price and that this amount excludes in calculating Murabaha In the case of Nkol student loan shall bear the amount of damage suffered by the bank as a result.
He pointed Mundhiri that the bank identified the payment of the remaining amount of the proportion of Murabaha in monthly installments or quarterly depending on the contract to meet with the signing of bills of exchange and are paid the amounts according to the dates of Alasthakaq.mbana that the bank decided not to be granted loans to cases of sales between relatives up to the second degree and does not accept applications for loans to buy part the remainder of the property being considered to participate.
Mundhiri that the bank and the prevention of a transaction signing of a contract between the seller has been a student loan or pay a deposit before owns the property the bank to be purchased in addition he not taken the loan granted for both benefited from any project of borrowing projects for the purpose of housing the government banks that are not taken to promote sales the purchases made by internal and external agencies , but with the real owner of the property and not with his agent or his heirs to ensure not to engage in legal problematic.
He stressed that the practice of bank Mundhiri this activity is to contribute to solving the housing crisis that has plagued Iraq.
Source / KD fees
http://neniraq.com/مصرف-عراقي-يمنح-قروضاً-لشراء-السكن/
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