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Announcement Help disbursement of loans to buy apartments Basmajh
8/2/2017 0:00
[rtl]BAGHDAD / morning
publication of Rafidain Bank on Tuesday instructions for granting loans to citizens registered in Basmajh residential project , whether they are employees or non - employees.
Press office of the bank "citizens called to visit their branches covered by the grant or loan to find out that granting such loans instructions."
He noted that " the branches covered by the granting of loans to citizens, are (Mustansir - caliphs - Secretary - safety - Paradise - Zahra neighborhood - pratha - White Palace - the Arab neighborhood - Amil district)."
The following is the text of grants controls as follows:
1 - the branch in charge of managers to receive schedules registered the names of the residential project Basmajh of information and communication technology department after paying the amount of the first installment of 10 percent of the residential unit value and then be granted a loan of 80% of the residential unit value that was an area of 100 square meters, and 75 percent that was an area of 120 m2, and 70 percent that was an area of 140 m2 , but more than 75 million dinars. "
2 - but it is a residential loan borrowers from our bank or Rasheed Bank or other banks and by conducting the intersection by the ICT department.
3 - loan term of 15 years.
4 - the amount of the loan is repayable with interest over 180 monthly installments on a straight line and starts deduction as of the month following the month of grants.
5 - interest on the loan at 6 percent annually levied.
6 - Investment Authority undertakes after the housing unit registered name of the buyer ,but not delivered after the borrower 's mortgage buyer housing unit in favor of the bank 's first rate and the completion of foreclosure proceedings and provide support Madaanh.
7 - borne by the borrower administrative commissions by 1 percent , half a percent of the total loan amount shall be collected from the date of signing the contract.
8 - is insurance on the life of the borrower at an Iraqi insurance companies and licensed within the treatment inside the bank and the borrower 's account.
9 - Grants are available in the light from the ceiling of credit and liquidity.
Rafidain Bank announced guarantees and procedures and Haya
1 - the borrower offers to ensure a bill of exchange , while demand in addition to ensuring the guarantor civilians from the state Sticky circles employee on the permanent staffing or retired , provided that covers 50 percent of his salary total net monthly installment and interest owed by the borrower the amount.
2 - Provide contract for the purchase of housing unit certified by the Investment Commission to be mortgaged in favor of the bank 's first - class as well as other archives of the student loan.
3 - If the employee to pay 40% of the value of the housing unit as a down payment in two installments is granted the loan without guarantor and guarantee his salary.
4 - provide the Department sponsor a pledge to the bank according to the form attached hereto.
5 - Upon completing the treatment of granting housing loan unit , the branch adoption model instruments Bills drawn on the bank for the purpose of the organization is an instrument for the National Investment Commission / implementing the project under Basmajh Committee pledged to give away the loan from the borrower on behalf of the Commission.
6 - not the borrower may make any legal act on the mortgaged property without theconsent of the bank during the loan period until the actual payment and the full amount of the loan and its benefits, otherwise considered Nakla Under the purchase site contract with the Authority are forfeited payments and premiums paid and relive the housing unit of it.
7 - met stamp duty by two 0.002 per thousand, according to the law.
8 - regulated by a special contract between the bank and the borrower 's rights 43.
He pointed out that there are advantages for those who pay in advance the entire unit price as a priority of receipt or payment of the introduction of more than 20%
and the demand for loans is as follows:
1 - loan application form.
2 - pledged support and warranty.
3 - pledged to sponsor a circle.
4 - pledged to the borrower if the circle was an employee.[/rtl]
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