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Established in 2006 as a Community of Reality

Welcome to the Neno's Place!

Neno's Place Established in 2006 as a Community of Reality


Neno

I can be reached by phone or text 8am-7pm cst 972-768-9772 or, once joining the board I can be reached by a (PM) Private Message.

Established in 2006 as a Community of Reality

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Established in 2006 as a Community of Reality

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    Bank loans .. Fact or illusion?

    Rocky
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    Bank loans .. Fact or illusion? Empty Bank loans .. Fact or illusion?

    Post by Rocky Thu 16 Nov 2017, 1:33 am

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    Bank loans .. Fact or illusion?


     Baghdad / Range 

    Citizens complain about the difficult procedures and conditions imposed by the banks on the beneficiaries of the loans that are announced from time to time, while some argue that seeking them may cost the citizen a lot of money in exchange for the loan taken with the financial benefit to be paid, Are skeptical about the existence of these loans and ask: Are there loans as already announced in the media or is it just propaganda?
    The Rafidain Bank, from time to time, announces conditions for the granting of loans, whether for small and medium-sized enterprises or for housing citizens or for students, professors, researchers, pharmacists and doctors, and experts believe that the development of these conditions undermines the process of benefiting from the loans, and emphasize that among the most important reasons for not taking advantage of them is what accompanies Grant them of corruption and extortion. 
    "I have been waiting for a branch of the Rafidain Bank for a loan, hoping to start a small project with my five children, after looking for work everywhere," said Mohammed Awni Kasab. I find, and every time I come to the bank with my full contacts, I was surprised by the request of the employee to provide evidence and other documents, most recently to bring them a check from the Mukhtar confirms residential in the district of Ghadir district in New Baghdad, although I have a housing card to show this.
    "I have lost nearly one and a half million dinars from the reproduction of the required papers and transfer fees with sums to obtain housing support, a selected check and other proofs for the project. They also asked me to bring a sponsor to get the loan. Get the loan. He asked: "Are these banks aiming to drain our money or do they really want to help us?" But he said: "If that's the case, why is all this complexity? It's been more than two months now, and I'm in this cycle and I do not know whether I will get the loan or not. .
    Rahim Amer, a 34-year-old father of four and a beneficiary of housing loans, said in an interview with Al-Mada that since the beginning of 2015, he has submitted a treatment to the housing bank and that his house has been booked but has not received the housing loan, He confirmed that the problem lies in the person who came to reveal the area of ​​the house and did not end the detection process, where he said that the area of ​​the house 60 meters, although the House (Tabo) confirms that the area of ​​100 meters, then another committee to disclose the house did not agree the other , And I do not know what the reason, and here I pay the wages of disclosure without any benefit, until I got the order to withdraw the transaction in order to lift the custody of the father I'm still trying to pull it out.
    Amer believes that there is inequality in the distribution of loans. Any citizen who has no means in the branches of the bank can not obtain a loan and remains hostage to extortion and delay by bank employees, while we find that favoritism facilitates the process of obtaining a person from any loan and any branch will and resolve We are all owners of families and we seek to live in dignity in our country. Therefore, we ask the government to look with compassion towards its children and try to hold the employee accountable, who does not act fairly and quickly to be an example to others like him.
    On the other hand, the beneficiary Ali Rasul Munir, a graduate of the Faculty of Pharmacy said in an interview with (the extent): We heard that there are loans to pharmacists, so I went to ask about this in the branch of Zuid Rafidain Bank, but the employee assured me that the instructions have not reached the branch so far to disbursement of these loans , And that the branch is not interested in this process, because there are other branches of the bank is specialized in the disbursement of these loans, but did not tell me where to go and in any branch specifically I can provide my treatment, continuing: I think these loans are fake and do not exist on the ground, so far I can not find None of the pharmacists got a loan, although the media is constantly talking about the Rafidain Bank Granting loans to several groups, including pharmacists and doctors, and these also did not get one of them a loan according to my knowledge. It is shameful for the government to deal with us with this disregard. It is on the one hand announcing something, and we find no application or facilitation on the ground.
    In spite of our repeated attempts to contact any of the branches of Rafidain Bank or the Housing Bank specialized payment of these loans to clarify the matter we could not get a response. 
    The economic expert in the name of Antoine, has confirmed in an interview with the (range), that the other investment banks and private banks to contribute also to the process of loans are not financial coffers and ownership of the owners of those banks, but is authorized to create jobs and investment to create a dynamic movement in the street The solution requires the financial authority to intervene to reduce the interest rate and reduce the conditions on the citizen so that these loans contribute to the creation of job opportunities because the curriculum of the Iraqi state emphasizes the activation of the role of the private sector in the economic life of the country, but not We find it now.
    Antoine asked: If the interest on the loan 16 or 17% How can the citizen to continue or succeed under these benefits? Since 2006, Rafidain Bank has extended loans and advances to employees and citizens within certain mechanisms and controls. It has granted loans amounting to 50 million dinars for construction purposes with a repayment period of 10 years and a grace period of 3 months and a loan of 15 million for small projects. While the follower did not see any positive reflection on the reality of the Iraqi economy so far, according to specialists.



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