get your training absolutely free , get 60% of gilna publishing resources as a gift by sending 5 to 30085. in the name of god. hello dear viewers at 4 am. tehran-baghdad security agreement must be fully followed and implemented. the chief of the general staff of the armed forces, in a meeting with the iraqi interior minister, asked him to settle the separatist and illegal terrorist groups in the kurdistan region of iraq under arms and in controlled camps. in this meeting, major general bagheri called the development of relations with iraq a strategic decision. melli knew in iran and said: with

the cooperation of the border guards of the two countries, the issue of drug smuggling should be solved drugs and weapons should be controlled so that commercial relations in the country develop more. the minister of interior of iraq , emphasizing the links and shared experiences between tehran and baghdad , announced the dispatch of iraqi police officers to iran to study at various military colleges in davos. social security provided the required information to the central bank validation system. the director of technology and digital transformation of the social security organization said: this organization has provided four services to the central bank's validation system: employer debt inquiry, history total inquiry, workshop information inquiry and insurance payment inquiry. is. you want to take a wheel of documents, i will give you a loan. he got seven houses.

the problem that can be solved to some extent by expanding an infrastructure is the validation system. validation means that if we go to the bank as a micro-applicant to get an education , we have to go to the bank with one.

cooperation organization and 7 organizations and institutions should provide information and still not providing information, social security is one of these institutions, which was decided to do the necessary cooperation in the meeting of the 90th commission. this organization should provide information from the workshop insurance debt records, the sum of insurance history and insurance payment history to the validation system to send when you assume that a person has a workshop that pays his insurance on time , his insurance payment history is regular, and someone who has insurance debt, always has outstanding debts , has long debts, has many debts, so these two should not be the same in terms of credit rating. now , based on the latest news, the necessary information has been provided by social security to the validation company. i announce the

debt inquiry, history total inquiry, workshop information inquiry and insurance payment inquiry. this it was the information that the central bank asked us. we are still following the remaining 6 devices to submit and complete the validation. according to central bank officials, until today only 30% of people have a credit rating. the problem with completing information and setting up a new validation model. it is almost solved and about 90% of people get a credit rating. razia ranjbar of sed and sima news agency. holding an international event to meet the needs of the petrochemical industry with the presence of iranian knowledge-based companies and participants from china, india and the uae. in this event, 28 creative ideas in the field of low-cost production, repairs maintenance of sectors from tui. technologies were presented. for

the first time, a petrochemical company will host an international event called eidshu. pipe error control and fluid error control . participants from six provinces and 3 countries, china, india and uae

, sent 28 creative ideas in the field of low-cost production, repairs, maintenance and parts to the secretariat. one of the main problems in the cities of the southern coast of iran is these problems.

the side between the national petrochemical company and that university that can design a special license and that industry that can design that special license for the downstream industry. it needs food and that license the title of the product itself is that we can put these three collections together so that , god willing, they can complete the value chain of society . the inaction of the united nations in the aggression of the regime. he said that one of the main reasons for this inaction is the use of the right of veto. burrell mentioned the failure of the un security council to act in the gaza crisis and said: " there is no agreement due to the use of the veto right." european union foreign policy official

kurd: the use of the veto in the gaza crisis has led to the continuation of the conflict and the increase in the number of victims. the grail of the gaza war is the biggest issue. the us has used its veto power to prevent the establishment of a ceasefire in the gaza strip three times. but at the same time as the meeting of the defense ministers of the european union countries in brussels, belgium announced new weapons aid to ukraine. it is supposed to be belgium. before the end of this year, it will provide the first f16 fighter jet to ukraine. meanwhile, the president of ukraine, volodymyr zelenskiy , stated the number of f-16 fighter jets that ukraine can use belgium announced that it will receive 30 planes and said:

for this year, the amount of belgian financial support to our defense forces will be 1 billion euros. vladimir zelensky went to heaven to get help from european countries. or belgium and portugal have become the esteemed viewers of the next part of the news at five in the morning.

on the other side of the table, the eyes of a martyr are on you. in the name of allah, the merciful, the merciful, and for this purpose

, i offer my greetings, courtesy and respect . welcome to another program on the front page of the khabar network , one of the organizations, institutions and the financial pillars of the system of the islamic republic of iran is the national housing fund, a fund that may be considered as important. the most vital tool for house building in the country is a participant in one of the biggest national plans of the country, the national housing movement. well, tonight we want to talk more about the national housing fund and its role and functions, and the goals and launch of this fund , and talk to mr. dr. mohammad mahdiar esmaili, the ceo of the national housing fund, who is here in the studio with me. hello, mr. dr. esmaili, you are very welcome. greetings to you, dear viewers and colleagues thank you very much for organizing

this program. stay alive, mr. doctor. well, if we want to take a look at the history , it has been almost 2 years since the foundation of this fund, and let's hear from you about the national housing fund , why is this at all? the fund was formed, a young fund that , if i'm not mistaken, is less than two years old since the last eight years. why did the government of the islamic republic of iran establish such a structure and organization called the national housing fund? yes , as you said, the issue of house building is one of the issues that requires large financing our country needs about one million residential units every year, and this operation means a huge turnover. we have active organizations in this field. the national land and housing organization, the madretakhsi company

of new cities, the urban renewal company of iran, the islamic revolution housing foundation, these are great organizations and institutions that play a role and move this operation forward. what has been the focus of the legislator's attention is the issue of pooling and optimal allocation of the resources of these large institutions, along with bank resources and people's resources in the field of housing construction. that is, if we pay attention to the numbers that, for example, in this one or two the last one and a half years have been spent in this movement. naturally , we are aware of the important role of a place where these resources can be gathered. last year , since the beginning of the fund and the beginning of the movement's operations , the amount of people's resources amounted to 230 thousand billion tomans. in addition, nearly 1,400,000 billion tomans were included in the house-building operations of the movement, and 160,000 billion tomans

were bank facilities, which are a part of the total facilities that should be transferred to this movement, that is, if, for example , we now have 2,600,000 tomans. we started the project , this is about 700,000 contracts not all of them, that is, if 55 million tomans must be paid for each contract, for example, some contracts receive 100 million, while others receive 150 million. 200 , i told you, add this to the operation of a million, now some are complete, some are 50, the sum of these small numbers today is 370 thousand billion tomans, only the resources other than these three and four devices that the national land and housing organization has are for the operation assigned to mad company. it has a new meaning and the re-creation of the legislator had come to the conclusion that if these resources are collected in one place and optimal allocation is made , the deposit of these resources will be used for the benefit of the movement. certainly it is possible to carry out the operation of the movement in a much wider, more effective, cheaper and actually more successful manner. therefore

, as you said, the national housing fund was born at the beginning of the law of production in the administrative system of the country . today, this fund has a short life, but today, as we are talking, a large part of the openings that you, in fact, my colleagues in the ministry you publish the news about road and urban development. the result of financing the fund, whether in the new cities or in the provinces, these are the resources that actually enter the fund in different ways and are used to complete the projects that were completed before the fund for these projects. the project was left on the ground. which maybe for 10 to 12 years , there were not enough resources to collect and complete them. today, thanks to the existence of the fund , it is becoming a reality, mr. doctor. they are related to the country's financial issues, from the ministry of

economic affairs to the budget program organization to the central bank to the financial affairs organization. when we look, we see that a very long time has passed since the formation of these organizations, they have been operating for years, with a maturity and consistency. achieve. how much time will it take in the structure of the national housing fund, how much time should we expect for it to reach this level of maturity? you see , we are facing an important and interesting point and an important consideration. the important and attractive point of this issue is that since this fund is completely based on the needs of this identified and established operation , it is quickly opening its place in house building operations and making its positive impact for the benefit of the people, and this is an issue. as you said

, it accelerates its complete formation naturally, it should be another 5 years. it will happen, but this market and this capacity is so strong that it is actually moving the fund by itself, and we are obliged to shape ourselves at several times the normal speed. the important consideration for the formation of this fund is that in the same way , when we are faced with such a problem and we actually have such a large tool , we manage it. and the second that is lost in the maturity and evolution of this fund, thousands of billions of resources are spent without better and more efficient management. you can see, for example, the same number that i mentioned, 230 thousand billion tomans of people's resources, well , these are not included in the economic circulation fund at the moment

, because most of them were deposited into the province's account before the fund was formed. this is exactly what the people have brought. now that i am telling you, it means that 230 thousand billion tomans are only brought by the people. in fact, we still have nothing to do with bank resources , we have nothing to do with national resources and the public budget, we have nothing to do with our own internal resources , we still have nothing to do with the internal resources of our partner institutions. they have to go through the circulation fund, we still don't have anything to do. you see if in relation to which, god willing, we can manage optimally according to our duty, whether it is steel or cement, what important tools for construction operations, whether we can buy advanced technologies that we cannot provide and implement them for the benefit of housing, so naturally, this observation reminds us. which should

speed up the operation of this fund now if the structure of its organization has not yet been approved in the country, including if the sources have not yet been assembled, the mechanism for its collection has not yet been completed, the task of forming the structure is on the employment organization , naturally, in the country , it is the approval of the structures of the country's institutions, at what stage is it ? with the help of the ministry's headquarters , we are carrying out the operation of the fund. right, well, we have now put it in the subtitle of the title of the program: "national housing fund is a vital tool in the construction of the country's houses . " construction in the country is one of those sources of financial resources, another very important source is land, and now what can

be provided to this fund, either through the government or through the people , i want to explain more in this area. became. that everything from the government in the form subsidies and budgets belong to the housing issue . it should be done through the national fund, so that centralized management can make it better. monitoring it , it can make it better. this is a very large collective operation, it has a number of figures , and it has non-financial resources until it is examined in a financial and accounting system , its dimensions will not be known. yes, one of the resources in the field of housing, naturally, is the field. well, you are aware . today, in our country, nearly 70,000 hectares of urban land and 50,000 hectares of rural land have been annexed.

it is the biggest event that happened in the history of the country its blessings for the people will continue for many years to decades, god willing , this volume is actually an opening that we had due to the limitations of the land and we don't have it today. well , naturally, this huge volume must be managed in some way so that it will be a blessing for the people. make the cost of land cheaper, if it is going to come in the form of a 99-year lease, and the land cost part, which, for example , constitutes 70% of the construction in tehran, if it is going to be removed, it is naturally a source of subsidy, a big help from the government and it should be. this big help should be distributed in such a way that the consequences of rent to receive the providers don't have it, or if it does , it should be in such a way that we can

make the less fortunate classes the beneficiaries of this conscious rent and national gift, so that we can reduce the gap between this class and the more wealthy class, and increase the justice of the society and reduce it. gini coefficient, improving the gini coefficient, in fact, we can help, these are not a collection that we have the duty to implement long-term programs, god willing, in the first part of your speech, you mentioned the issue of the resources available to the fund now. now you mentioned the help of organizations and institutions one of the financial groups that can help this fund very well and lift the national housing plan and movement off the ground and make this promise of the government, which is also an explicit law of the parliament, come true faster are the banks. how has this area helped you so far and what is the legal duty of the banks in this area? we are still

grateful to the cooperating banks in this area, we appreciate their efforts , we understand their limitations, and we support them. we complain that the banks that do not have the necessary cooperation in this regard are not acting according to their duties and as representatives people, in this area , we are pursuing our own complaints through legal channels. for the benefit of the people , the law has mandated the tax administration to properly fine the banks that do not fulfill their duties. this fine is 20% of the work. should they have done it or not? well, now this issue has wide dimensions in the country, that is, the level of disobedience is such that

it constitutes very large crimes today. his annual income is higher, so the answer to this question let's say if an organization has not been able to fulfill its duties and today it has reached a point where its debt is actually more than its annual revenue generation. where is the problem? if we sit in the room and solve the problem , because you know, the law does not say , for example, sometimes the law says, for example, a certain bank or the arial banking system , i can pay. it is possible to assign the room manager, but one time he says, sir, you pay whatever you have, i have no business at all, one riyal is 100 riyals, whatever you pay. you do 20% of housing it is not the responsibility of the room manager, because he is based on his own ability, he says, sir, give him 20 in the field of housing, why should i open this for a couple of minutes, because

the issue of housing is a driving issue in the economic system of the country and the world, today we are talking about housing. the launch of these 2 million and 600 thousand projects has caused so much trouble. we have turned it into a construction workshop for the whole country . it has turned into a construction workshop. you see, the honorable governor general of the central bank has announced that the inflation number of the housing sector has increased from almost 107 to about 12%. in the statistics, we say the housing sector is 70 words when it becomes 17 to 12, it means that it has decreased by 70% to 11th of its own, so if the number of inflation is from 50. the percentage comes from more than 50%, it becomes about 30. this is just the function of housing. it is very simple. two to four is very simple. when an industry in the country

plays such a big role in production, in creating employment , in increasing income, in reducing people's expenses, in increasing welfare. why don't we oblige the banking system to pay 20% of your housing first, then go and fulfill your duties regarding the services of the agricultural industry, working capital. give all these sums that are paid in housing, in the second round it will be converted into industry, it will be converted into agriculture , it will be converted into services , it will be converted into working capital, this money that we give will be converted into a housing loan. we give it to whom, to the person, to the individual, if we don't give it, the bank will give the loan to the contractor , the contractor, who will use this money for his working capital. sources

of financing to buy a road construction machine that he cannot afford is it possible to get a loan in the field of industry? well, let's give this and it will come true. if we are talking about new technologies , we will say, sir, we will make aliafi cement , it is cheaper, more effective, and we will build a building for six months within 24 to 72 hours. the knowledge fields of our foundation do not actually come with it. this is very clear, very clear . as an economics teacher, not because i am in my housing sector, i take this sector's side. as an economics teacher, this is the obvious logic of the society, so let's stop because these numbers are first in the housing sector, then in all those sectors that looking for it in our country we are here, god willing, let's travel, god willing, mr. dr. mahdiar esmaili, if you want

to rate the performance of the national housing fund in the area of ​​its duties, which according to the law has come in the national housing movement , how would you rate it? because really , we did great things today with few restrictions, that is, i apologize, with many restrictions and many requirements and little wealth, but if i want to, we could do more than what we could have done . and i'm still on the ground, no , i don't give a grade our situation, we made several times the biggest purchase of steel in the history of iran, i want to get to the point, so you will accept my demands. it will go towards this multiplication with the help and sympathy and companionship of all the statesmen and decision makers of the system. this year

has been named the year of people's production and participation by the supreme leader of the revolution. i would like to hear from you that the programs of the national housing fund, which was established by one of the organizations or organizations that are related in some way he is directly with the people in 1403, especially in the field of the national movement or other sectors that are among your legal duties . attracting people's resources and generating assets are assets that could create employment and production and actually improve business, but now there are still a lot of issues that i will present in the order of generating a report for you , the largest amount of generating during i understood that it

is the history of the country. now, it's a long way, over the years that our eyes are working and we can let's see that the national movement was carried out in these days, why there were capacities in the heart of the law of production leaps, that the lands that had remained in the hands of a university for 20 years and 40 years even more than before the islamic revolution, in the form of educational land in a vast land it was not used, not used, not educational, not of any kind. today , it has come in the form of a movement in the building built for the benefit of university employees, for the benefit of professors, for the benefit of the personnel of various airport departments, which had been unused for decades and there was no plan for it in the country. turned into a plot of land for the construction of 12,000 concrete residential units in hormozgan province, where there is access to water, electricity, and gas.