The conditions for reclaiming properties from banks were announced
The central bank explained the conditions for the return of the residential properties acquired by the banks and announced: the aforementioned residential properties will be handed over to them under certain conditions if the previous owners submit a written request and the bank agrees.
04-05-1402 2 minutes of reading
The central bank, while announcing the instructions on how to hand over the surplus property of credit institutions to the banking network, explained the conditions for returning the properties acquired by the banks.
In this instruction, the central bank has agreed to help the people whose residential properties have been acquired by the country’s banking network, that the said residential properties will be handed over to them in the event of a written request from the previous owners and the bank’s agreement, under the following conditions. .
According to this instruction, the properties that were acquired by the bank before 13th of Bahman 1401, must submit their application to the bank by 13th of August 1402, but the properties whose date of transfer document to the bank is after 13th of Bahman 1401 One year has been set for submitting a written request, legal procedures and providing money to their previous owner.
According to Article 11 of the instructions on how to hand over the surplus property of credit institutions to the banking network, the conditions for the return of property acquired by banks are as follows:
If the residential property is acquired in exchange for the demands of the credit institution due to granting/creating facilities and obligations, the credit institution is allowed to return the residential property to the previous owner in the form of an abatement within the following conditions:
The daily value of the residential property is at most one hundred billion Rials.
The previous owner does not have another residential property at the time of submitting the application.
If the residential property is in the auction process, the auction has not led to the announcement of the winner.
The previous owner or beneficiary whose acquired residential property is the collateral for the facility received by him, all of his debt including the sum of the principal balance and interest of the unpaid facility, in return for which the residential property was acquired by the credit institution and the late payment obligation in accordance with the approvals of the Monetary Council and credit, up to the date of handing over the acquired property and other updated costs to the recognition of the credit institution that the credit institution, based on positive documents, has incurred for the acquisition, maintenance and return of the said property within a maximum period of thirty days from the date of the announcement of the amount owed by the credit institution to He should pay the credit institution in cash and once.
All the claims raised by the previous owner or the recipient of the facility, whose acquired residential property is the collateral for the facility received by him, against the credit institution regarding the related facility or the acquired residential property, should be closed, also the previous owner, at the same time as the residential property is handed over to him, must prepare the document The official of settlement of claims in the future regarding the said residential property and related facilities for the benefit of the credit institution, should provide an action and a copy of it along with other documents and documents related to the credit institution.
This post is written by shadmanamini