australian broadcasting corporation melbourne. but the world youth fencing cup hosted by our country is being held. 55 young saber players from different countries of the world competed in tehran's shahid ehrdaniyabi hall. unfortunately , i could not get up to 8th in the 16th table. the planning was very good. the piste was very good and the finale track was very beautiful and stylish. in this competition that has there is also a point in the ranking of the world federation to have good fencers from all over the world. players from all over the world participate in these tournaments because of the points there should be a world federation in color king. everyone who is here, all the rankings are one to one. one to 10 world championships. iraqis are relatively not bad, kuytia is relatively good , two people came from korea who were very good players. at the end of the individual competition, islaman became the champion.

abdul karim mohammad from kuwait became the runner-up and the men's half also won the bronze medal. the team competition of the junior fencing world cup in the saber weapon will be held on sunday with the presence of 6 seyyed mehdi pourhaini khabari sedavasima hall of martyrs of siyabi people . good evening and god bless. tomorrow, sunday, november 14, the 20th of rabi'i and the fifth of november it is sharia midnight tonight at 235 minutes , tomorrow morning call to prayer in tehran is at 5:40 and sunrise is at 6:30.

well, dear viewers, the gatherings of people in different parts of the world in support of the people of gaza and also the condemnation of the criminal attacks of the zionist regime continue . well, thank you very much, dear viewers, i invite you to continue watching the special news talk tonight. mr. akhan is with you tonight. hello to you. thank you very much, mr. zahorian, i greet you. greetings and good evening, dear viewers , welcome to the news chat.

as you have seen this morning in various news sections of the khabar network, the 13th meeting of the supreme housing council was held with the presence of the president of the islamic republic of iran . private banks have given some points about the granting of housing facilities, including that according to the law , all banks are required to allocate 20% of their granted facilities to the housing sector, and the offending banks must be fined 200 times this amount. mr. raisi also pointed out that the ministry of economy and the tax administration are obliged to immediately collect and report the fines of the delinquent banks according to the law in the form of taxes . we are on the news talk show tonight.

we want to address the same issue, that is, the issue of levying taxes from delinquent banks, why some banks are in violation of not providing facilities to the national housing movement, and the issues surrounding the meeting of the supreme housing council, which is here in the studio with me, mr. dr. mohammad rezaza mahdiyar esmaili honorable chairman of the board of directors of the national housing fund very welcome i would like to say that you are very welcome, mr. doctor. if you allow us, before we start our conversation with you , we will say goodbye to the dear and respected viewers of the first tv channel, and if you are interested in seeing the continuation of this conversation , follow us on the khabar channel.

well, we are at your service, dear viewers, with news talk. mr. esmaili, did you attend the meeting of the supreme council of housing today, your excellency, the 13th meeting with the presence of the honorable president of the islamic republic of iran, what was the news about this meeting and what decisions were made ? and i have a good evening, just as you said and it was mentioned in different news sections, today was the 13th meeting of the housing council . in fact, the latest reports were presented to the president, the progress of the project and the units that have been completed, the latest status came to his attention. in addition to these coastal cities, which is actually an important project of the ministry of roads and urban inspection in the 13th government, according to which 27 coastal cities in located on

the southern coast of the country, god willing, established and assisted the provinces will actually move forward. the issue of housing deposit and handling of the rental market was actually discussed and perhaps an important part of the meeting that actually drew the special attention of the honorable president to himself . allocated the issue of supply resources was actually the national housing movement, the financial resources were that anyway you know that part of these in the form of bank facilities are actually provided to the project and applicants and as much as these facilities are actually timely and in fact, if not enough is injected into the project, the operation will be slow in this regard, the honorable president has complaints and even stops sometimes

, yes, and naturally, this issue brought him strong complaints, and in fact, he asked the banks to provide more accurate and accurate reports in this regard . the honorable chairman of the central bank actually provided the answers about why the banks could not fulfill the obligations that the law has required for them since the year 1400. banks refuse to pay taxes because of this, they paid and did not pay in the facts that they should have, in fact , they were postponed. these were two issues that were strongly emphasized by the president that, god willing, the banks will be committed or adhere to the facilities that should be provided, or that the law is yes.

according to the law, to the extent that not giving education is actually paying taxes like all taxes, paying very important points were raised today in the meeting and dear viewers can see and hear them in the news sections from the morning on the khabar network or other media. this is the issue of payment of bank levies to the national housing investment plan the core, and now in this path, there are challenges, obstacles and a series of problems . my colleagues have prepared a report in this regard and the description of the duties that the banks have in relation to the law . we will come back. i am at your service. according to the housing production jump law, from september 100 every year, banks must allocate at least 20% of their disbursements to the housing sector. more than two years have passed since the approval and implementation of this law. if we want to get a percentage , the percentage is still around 20-22. despite the

scheduled meetings of the housing officials and the president with the managers the factor of the banks and the emphasis on paying for education did not happen. we had five or six months of growth. it was a good growth in the field of payments. in a country, a law is established . banks that are licensed and operate according to the same law and collect people's deposits are compared to the law. regardless, the banks that refused their duties are mostly private banks, such as middle eastern capital bank and noor bank , which did not perform well, and banks such as entrepreneur of the new economy and pas have less than 100. of course, one should not ignore the performance of good things like housing. our payment so far is 51 thousand billion toman until now, even though he gave housing. in the 13th meeting of the supreme council of housing, the president clarified the role of the banks that did not fulfill their legal duties

. for sure, those banks that do not comply with the private laws should be charged the tax prescribed by the law, not pay it , it should be announced and action should be taken. . banks, as financial sponsors of the national housing registration, now according to the law must 15. pay a fine to the tax administration. these resources are transferred to the national housing fund. marzmand news channel well, we saw ms. marzmand's report. before i ask my questions to mr. dr. esmaili. let me tell you that two people were supposed to sit in front of me tonight. one person who is mr. dr. esmaili himself. one person is a representative of the banks now, or the representative of the central bank , or state and private banks, or the law of banks and credit institutions. the efforts of my colleagues in communication, unfortunately

, have not reached any results. dear decision-makers in the central bank and the ministry of economy and finance. mr. dr. is an obligation of the government announced by the president president, there is a legal obligation in the name of the national housing movement to build 4 million housing units in 4 years. how much do we need to build these 4 million residential units ? toman means 3 thousand, yes, yes, for this project, we need four million in housing. how much has been provided so far? actually , the national housing fund is the only financial institution committed to financing the national housing movement with all the circulation. it has its own resources and what about the resources through other organizations like

in fact, the field of construction company or reconstruction or national organization has actually been circulated and in fact more than 12 and a half thousand billion tomans have been spent on the project at the moment. the rest of us are actually for a 4l project, and of course you are aware that we are not going to build only 4 million housing units, we are going to build 1 million housing units a year, if we talk about 10 million housing units in 10 years, about these 4 million housing units, which is the task anyway. there is also a law and a series of other issues in different programs now economic table or special news discussion, we brought up about this, we are currently talking about that for this 4 million, 12 out of 30 efforts

have been provided in reality, yes, you can see part of this , of course, the ministry of urban development is really male. in fact, according to some of the latest statistics that i have, we have opened more than 15,000 units, but in fact, as the famous saying limits , but in any case, housing is an economic task, all those resources cannot be nationally provided by government resources or incomes. in fact, the mel fund should provide part of it to the people, and part of it to the people make it easy for the people to facilitate its operation. when we talk about the facility , we are actually talking about that part of the resources that is supposed to be provided by the people themselves and secondly, it is supposed to go back to the banks, that is, it is not supposed to be the bank. in fact, they are going to make the process easier so that this project can be used as a driving force for the development of iran's economy, which if it moves , it will naturally take many industries with it

. the resources provided, especially this year, see us in 4002 in the national movement with paying attention to the different ways we have to finance from the general budget of the government, which is 28 thousand billion tomans. in fact, the budget planning organization has actually informed us that a part of it has actually been allocated . god willing, we hope that the rest of those resources will also be allocated quickly. after that , there is a source of credit line of maskan mehr, which is about 500 billion tomans or 480 billion tomans, which is actually collected by maskan bank and paid to us. 20 thousand billion tomans from the way of selling oil, based on the decision of the supreme council, in fact , the heads of the powers, were actually postponed to 2042 and transferred it has been added to this number since last year, and the number that gives us some hope is the 2 billion dollars that the supreme leader, in the form

of an insult that he received from his students, actually allows us to consider it in riyal numbers if we want. let's take something around 80 thousand billion tomans, that number actually gives us, we have to add 15 thousand billion tomans of bank tax to these numbers according to the law. i have to pay up to rials in taxes every day because first of all, let the country's economy move forward, and secondly, show the regulatory effect of this tax on its own economy. this bank tax has the same role , that is, if you pay attention, now i have given one or two graphs to your colleagues. if they actually show the first graph to your colleagues. in fact, we have shown the process of education granted by the banks in this graph in different sectors of services, industry, mining, commerce, and actually agriculture and housing

. now in 1400, we have the latest statistics, sanat with 30 commerce with 15 and housing with 6. housing is the driver of the economy. this operation should be extended to the rest of the fields in iran's economy. when we are talking about taxes, this is the number that the people are seeing. actually, those lower columns are actually the situation. there is housing wiring, and those graphs above which are green, orange and blue , the numbers are actually the numbers that i mentioned in the field of services and industry . it is spent, and finally , the first 4 tithes that we have to pay for the people and the poor in fact, let us fully support them, it produces housing. the second part is a control tool. the tax is imposed to

improve the housing situation, the facility situation, which is 6 against 41. okay , now we will go to this issue and the details of the statistics that you have. payment, which banks fulfill their legal obligations more , which ones are less, we want to have a conversation with mr. sharifinia, an expert in monetary and banking issues , nilam sharifi . from the very clear words of mr mr. pour ibrahim, i am at your service. thank you very much . well, mr. sharifi, that's it. first of all, i would like to ask you what obligations the banks have according to the law regarding the financing of the national housing movement plan, and how far they have fulfilled these obligations, or if they did not, what was the reason.

it is the duty of all institutions and all people in the society to support this national housing plan. banks are not exempted from it, and naturally they should show their support and do their best to implement this plan well. but mention a few points i think it is necessary here, as mr. pour ibrahim himself has pointed out. of course , dr. ebrahimi has not been added to our group yet, but god willing. during the program, we will bring them too. tell them behind the line. yes, i thought that they were one of their guests. now, from what i heard from friends, i feel it necessary to mention that banks have to provide their own resources and have resources.

pay some expenses, now the price of money in our banking system is close to 20, and on the other hand, banks are never careful to pay high facilities, why and whatever these studies because when you pay the hard-earned resources in a 20-year process, you will cause losses. well, mr. sharifi, the banks should act according to their own wishes or according to the explicit law and what the law says. give them an assignment, see the law when it gives an assignment to the banks, the banks must obey, but you see, we banks are a series of financial institutions that, according to the same law , seek to maximize their own profits in order to stay in the scene, and we do this, for example, now.

we are talking about banks' dissatisfaction, where does the dissatisfaction come from? from the payment of long-term loans, you pay the long-term loans when you have them and you pay the resources you have earned for 20 years to people who, for example , return in a 20-year process . i have a few arguments that if the honorable government does more monitoring of banks , the banking system will reduce the price of money and will be more careful to pay such fees which are their legal duty. see, for example, one of the suggestions i have for solving this problem is that the central bank

and the government should increase its supervision on the performance of private banks' resource attraction. see now , private banks are paying interest on the interest of the proxy deposit interest. see that they do not know their own borders . see what you say, even though you say that the central bank should play a role. well, it should take its own supervision more seriously. this demand can also be ours as a media, but in any case , the legal obligation cannot be ignored so easily, and for the reason that banks see their interests in short-term education and towards education. they don't go long, they shouldn't, as the saying goes, like this if there is a plan, please specify in the law that since september 1400 , i will read the statistics for you based on the latest information from our friends in the ministry of roads and urban affairs and the central bank. from 1,400 to

14,016 thousand billion tomans are given to the national housing movement, mr. esmaili, wherever i say something wrong, please correct me. in the second year, the banks had to give 45 thousand billion tomans in tuition fees. in the first and second year, they had to give 818 thousand billion tomans in tuition. so far, how much has it been achieved? one version says 175, another version says 225 . you are the first narration of my teaching the second robot is more optimistic and adds those that have been contracted but not yet paid, that is, about how many percent will be below 20%, below 200 , it will be much less. what reason can we imagine for this lack of work by the banks?

look, i agree with what you said. i am not at all against that it is the legal duty of the banks and they should pay . i agree with what you said, but you asked why the banks avoid this legal duty. i have explained the reasons to you. look , i told you that the bank is a financial institution whose balance must be positive at the end of the year and the positive balance of the bank comes from profit . on the other hand, we expect them to say something that will cause them to be dissatisfied. i agree with all your statements, which are legal obligations, and we

have no conflict in the matter of being the government. put a series of incentives for the banks to be careful, which means we can't for example, let's take the banks in a direction that will cause the banks to break. that's right. i'll get back to you, mr. sharifinia. i 'll get back to you, mr. pour ibrahim. i will ask them, mr. pour ibrahim, hello, good night, in the name of allah, the most merciful, the most merciful. later, i will say hello, dear sir, dear guest and all the viewers, mr. doctor, the reason for the banks' disharmony is the same thing that you heard mr. sharifi nei say , and do you accept their excuses? for short in practice do you see their legal obligation as reasonable or not? look, there are several reasons that now a part of it goes back to the internal factors of the military, which of course should

be checked separately according to the situation of each bank, what was the state of education and based on the struggle that was seen in the law, what kind of forgiveness was implemented. it is outside the scope of the banking system, well, you have come to know recently that the policies of the central bank that were announced this year have defined the growth of the balance sheet with a certain number, even if the banks want to raise funds within the framework of their obligations faster than the balance sheet growth determined by the central bank. naturally, they will be punished with legal restrictions and heavy fines. part of the factors also goes back to the structure of the situation, in other words, the composition of their expenses is an imbalanced situation . let's take an angle and discuss, so what is the solution, mr. pourrahami? our suggestion is that two or three measures should be taken in the country, god willing, so that we can

solve the problem of the housing sector . it is a capital market, and the volume of liquidity in iran's economy is indicative of this of course, we should direct this volume of liquidity towards productive investment, and the best type of productive investment that is the driving force in the country's economy is the housing and construction sectors, which almost everyone agrees on. it is done in the field of money market and it is formed through the banking system , it is easily possible through the tools that exist today. a phrase emphasized by the central bank in the situation that we we need economic sustenance now, the central bank with a policy of contraction in education, not in the housing sector , has had a severe negative effect everywhere. the statistics

we have, if the central bank has a goal under the name of inflation control, it will do this, but there is no other in the world. anyone who sacrifices inflation does not replace economic stagnation with inflation, that is, he does not want to say that we will fight inflation at any price and by any means, therefore, a review of the policies of the central bank and separation from a strict contractionary policy that has challenged the banks in presenting the studies of the economic sector, which is now the housing sector, naturally, i presented it as very relevant mr. ebrahim, our time is short, i will get back to you, stay behind our communication line, mr. esmaili, there is something you wanted to point out in response to your noble words. you see that it is said that banks are actually losing money in the payment of housing taxes. i am asking a question. that if i make a loss for housing education, for example, why is it not a loss for service and industry education

, that is, the nature of the facility, which is not fundamentally different , while the document that we receive in the field of housing facilities is the strongest type, this is the first, second, i have a question salmi, i am asking if the banks are making losses before now, if the central bank comes to announce tomorrow, anyone who applies for the establishment of a bank, on the condition that he gives 500 of his totals in the field of housing , should come and get a license. housing is profitable with the current situation we are asking for. it has become so much that if no one requests it, we will give the right to the banks and say that, well, therefore , they must increase it. this is not the case. now, you can see in the field of housing, by the way, you can see your own situation. housing bank, which is actually the leader in this operation, shows that housing operations in the country our operations are not unprofitable. now that the banks

did not comply with basel 1, 2, and 3 from the beginning, they took away the resources, fixed assets , took them out of operation, the total cost increased because the total cost increased , they cannot provide 18% facilities. this has nothing to do with real estate, it has to do with another violation in the bank, which is actually having its consequences now . i have the same point that you mentioned in the format of how i would like to ask mr. sharifi niam to present the corrections and compare the education of the housing sector with other sectors .

my intention was to see that when you pay the industry or services sector , it will return to the bank's balance sheet cycle after 5 years , and the 20-year education will not go. attention to the same statements that mr pour ebrahim said that the price discussion is over now and the inflation that exists in our economy, the longer the payment is, the more the loss will be. you see, the banks have a fee for every rial of their own resources. i am talking about this. see the second part of mr. i told ismail that now the banks have run out of money, or, for example , about their assets, we all

accept all of this.