According to the International Stone Exhibition of Iran, the registration of the National Housing Production and Action Plan, or National Housing Action Plan, began on Saturday, November 18th. The plan is to produce 400,000 housing units and deliver them to applicants within two years. Out of these two hundred thousand units in the new cities, with the management of the New Cities Civil Company, 100,000 units will be built by the Islamic Revolution Housing Foundation in cities with a population of under 100,000 and one hundred thousand units with the facilities of the Urban Recreation Company in worn-out urban contexts.

The National Action Plan is not designed for low-income groups

Habibollah Taherkhani, Deputy Minister of Roads and Urban Development and Managing Director of New Towns Civil Engineering Company on November 21, pointing out that the addressees of the National Housing Action Plan are not low-income social groups, said: "This project is for the middle class and the applicants should Ten percent of the cost of construction.

However, the National Housing Plan registration system states that applicants must pay thirty percent of the cost of construction at the time of registration.

He also emphasized: Another project is being implemented in collaboration with support agencies for the poor, which will provide ninety-nine-year-old land free of charge to the institutions with the necessary facilities to cover this community.

The Minister of Roads and Urban Development told reporters on the sidelines of the upcoming Railway Stations Conference: "The National Housing Plan is designed for four to seven community decks and empowering one to three decks to house supportive entities such as the Welfare, Relief Committee, The Executive Headquarters is the decree of Imam Khomeini, the Foundation of the Mostafafan, etc.

The Imam's executive headquarters provides fifty thousand housing units for low-income groups

To this end, Ali Nabian, Deputy Minister of Roads and Urban Development and Director of the National Land and Housing Organization, on November 21, signed a joint memorandum with Imam Khomeini's Executive Headquarters on how to allocate land for construction of residential units to groups. The agreement was signed to build 50,000 housing units between the National Land and Housing Organization as a representative of the Ministry of Roads and Urban Development and the executive headquarters of Imam Khomeini's decree, Lowell reported.

He added: "Allotment of these lands on a per-day basis would be in the form of a 90-year installment or a lease of nine-year leases in provinces listed by the Imam's executive headquarters."

The cost of state-owned national land is from one to three decks!

According to the director of the National Land and Housing Organization, the first two years after the transfer, the respiratory period began to pay for the facilitation of the construction of the 50,000 units that the Ministry of Roads and Urban Development is to build in cooperation with the executive headquarters of Imam Khomeini. The price is land and then the price of the land will be paid step by step within three years so that twenty percent of the land price will be paid in the first year, thirty-five percent in the second year, and forty-five percent in the third year.

Comparison of National Mortgage Installments with Household Income

According to the Mortgage Installment Calculation System uploaded on the Housing Bank website, with a 18% interest on the National Housing Plan Facility and its twelve-year repayment, applicants for National Action Plan housing units would have to pay a loan of seventy-five million tomans And two million tomans and one hundred million toman facilities to repay to the operating bank one and seven million toman per month.

However, according to the Iranian Statistical Center, the difference between the income and expenditure of urban households in the past year for different income deciles per month is significantly different from the amount of these facilities.

According to the Iranian Census Bureau, the monthly "residual income" of urban households is negative for deciles one to three and deciles four to seven, although it is far from the national mortgage installment, which is the difference. :

Deck One: Negative two hundred and forty nine thousand toman

Deck Two: Negative one hundred and thirty seven thousand toman

Deck Three: Negative seventeen thousand eight hundred toman

Fourth deck: fifty-five thousand six hundred tomans

Deck Five: One hundred seventy-two thousand toman

Deck Six: Three hundred and twenty thousand Tomans

Deck Seven: Three hundred ninety thousand tomans

Although these figures are similar to last year, even with the average increase of 20% in household income and even without considering the annual inflation of this year compared to the previous year, the household income target households' odds are still at odds with the figure. The installments of the scheme on the one hand, as well as the three-year repayment of government land that is to be obtained from applicants (unlike Mehr Housing), on the other hand, the possibility of registering and completing the application for payment by the Ministry of Roads and It deprives urbanization of many applicants.

The condition of being rich was also added to national housing!

Significantly, at a press conference held on November 18th to explain the National Housing Plan, the Deputy Housing and Building Deputy announced that 30% of construction costs would be received from applicants when registering; according to the National Housing Plan Registration System, The condition of the ability to finance the surplus on banking facilities has been added to the former conditions.

The household table is getting smaller

Installments of one and two to one and seven million Tomans National Housing Planning Facility, while some media recently announced that applicants for the National Housing Plan must pay two to two and a half million Tomans a month, which Mohammad Islami, the Minister of Roads and Urban Development, said last week. The government's board meeting with reporters declined to pay the sum, saying that since the scope and model of construction in each national housing project varies, the price of the loan will also vary and individuals will be referred to the operating bank depending on the type of contract.

However, Mahmoud Mahmoudzadeh, Deputy Minister of Housing and Construction of the Ministry of Roads and Urban Development, told about how the applicants of the National Housing Plan have paid step by step. Depending on the physical progress of the project, applicants will then be deposited into the same account, and facilities under the National Housing Plan will be deposited into the same account.

According to Mahmoudzadeh, the government is not constructive in the National Housing Plan, but it is built with the money of the public and by the private sector.

Thus, households applying for a national housing plan should be able to cope with the burden of heavy income, in addition to providing the installments they receive, and, in the process, deposit between thirty and fifty million tomans into the operating bank account so that the builder can complete the construction. Slow.

An action that will actually put widespread pressure on the families of the targeted decks in the scheme, which are apparently announced as four to seven deciles, and will have to reduce the household consumption basket to provide the required amount in the plan as well as the installments received, Act within a few years.

Meanwhile, Mohammad Islami, Minister of Roads and Urban Development, on the sidelines of a memorandum of understanding to build one hundred and seventy thousand housing units for cultural workers with the Minister of Education, told reporters in response to a question about how expensive the national housing plan is. She wants to be a housewife and has to give her some hard work! A statement that some former Minister of Roads and Urban Development Abbas Akhundi's opinion on Mehr Housing may have in mind may say that anyone who wants to use any service should pay the price.

Instead of paying an 18% loan, cut the cost of the land

In this regard, housing expert Mehdi Gholami, referring to 18 to 20 percent facilities for these projects, said: "These facilities are not suitable for many target groups and they will not be able to use them."

Removal of rent and payment of land installments after the completion of construction

Ghulami suggested using the delayed payment policy as a facility for applicants and said: "If the government is facing a shortage of funds to provide suitable facilities, it can offset the cost of land after the housing units are delivered." And receive it in installments from people. Since this is the cost of getting the land after the housing unit is delivered to the person, when the rent has been removed from the tenant's shoulder, then many tenant families can also own the property in this way.

Parvin Pour: Completing the National Action Plan in a Tale of Ambiguity

Afshin Parvinpour, a housing expert on the various dimensions of the National Housing Action Plan, said: "Given the government's record of implementation in the last few years, there is some uncertainty as to whether this plan will be implemented or not."

The housing expert added: "For example, despite promises to complete the remaining Mehr housing units, more than three hundred and fifty thousand Mehr housing applicants have not yet delivered their units."

Assignment of unfinished Mehr housing units in the form of a national plan

Parvin Pour added: Of course, according to officials of the Ministry of Roads and Urban Development, some housing projects are to be completed and submitted in the form of a national action plan!

The production of four hundred thousand units for two years is not significant

Speaking about the slowdown in housing production in recent years, Parvin Pour said: "The production of 400,000 units in two years is not significant compared to the country's need for housing." Especially in recent years, the amount of units produced, both in cities and villages of the country is much lower than needed and it is estimated that two million housing units will need to be built or refurbished in six years to meet the country's need for housing.

Decrease National Mortgage Profit Using Recurring Installments

Asked why the officials of the Ministry of Roads and Urban Development decided not to plan for the lower middle classes, Parvin Pour said one of the reasons for the decision was the allocation of 18 percent loans to some applicants. However, the resources from Mehr Housing Recovery Installments have reached nearly twenty five billion USD and only part of these installments have been spent on Mehr Housing Projects. Therefore, the Ministry of Roads and Urban Development can easily reduce the benefit rate of the National Housing Action Plan facility from this location.

What is the reason for using the participatory approach in National Land and Housing projects?

The National Land and Housing Organization projects in various cities are to be utilized in a collaborative manner and units will be sold to applicants on a daily basis, the housing expert added. For example, a project that the president was also calling in Tehransar with the same model would be implemented.

He said: Now the question is why, instead of this model, why the Ministry of Roads and Urban Development does not use the land sales model? The manner in which special housing is implemented is also envisaged in some National Action Plan projects, in which applicants pay the installment fee upon delivery of their housing unit.

In the end, Parvin Pour said, by reducing the interest rate on the facility and also using the land sale method, the Ministry of Roads and Urban Planning can now house more middle and lower classes.