i invite you to be a viewer of the mid-morning conversation hosted by my colleague, mr. bozor nasr . greetings. in the name of god, i greet you, my dear colleague, mr. sadeghi . i offer my greetings, courtesy and respect to all the viewers of the economic desk program, as at the beginning of the news. i said that we want to talk about the long queue of 300,000 people for marriage loans. if you got married and you are in this queue or your plan is to get married and get a marriage loan , don't miss today's economy table and if you are interested in this discussion. stay with us until the end, follow us on khabar please, thank you , you are with the economy desk, you must be answering this question, which is one of the most important reasons for young people who are told why you don't get married. which

suggests that the economic reason is one of the only reliable incentives for marriage is the marriage loan, which has reached 300,000 people. we recorded the country's civil registry statistics, which tells us that in 1402 , about 481,000 marriages were registered. now , regardless of the second marriage, those who do not seek marriage loans and such. potentially we can say in 1402, 300,400 thousand people were added to the population of people who got married and naturally sought and applied for marriage loans in tehran, 63 thousand, khorasan razavi, 43 thousand, khuzestan, 35 thousand, and 3 first provinces in marriage registration in the country, next page let's see together. we reviewed how much the marriage loan has changed in the past few years . this is an important number. i will tell you why from 1988 to 1994, if he was married at that time. with the approval

that took place, this number reached 300 million, and for marriages under the age of 25 and 23, i think yes , it increased to 350 million. one note. yes, it is 403 to 402, even though the loan amount has increased from 180 tomans to 300 tomans , the budget limit has not changed much, the bank and central bank will announce that if this page is up, 300 thousand people, one of the reasons is that this budget number has increased a lot. there is nothing good about 200 thousand billion tomans, let's see the next picture together. the head of the qarz al-hassan credit department of the central bank's credit department announced a statistic a few days ago. the payment of the marriage loan was about 57 hamats the point is that this figure that

has been paid is 1004 pledges, which means that it is 4 more than the minimum of 100 that has been filled. 10,000 people are ready for 97, then it is necessary that the bank and the central bank say that this credit does not exist and we have reached the total ceiling that is considered for this compulsory education in the field of population youth and child bearing that we are talking about. . a total of 200 thousand billion tomans, 200 of which 155 are marriage loans 45 is a loan for children, which also has a separate category. please let us see together the number of applicants who are waiting for marriage loans until the end of 1400. here you can see the names of the banks and the volume of their applicants. saderat bank was the first with a thousand people at the end of 2014 with more than 30,000 to 30,000 applicants in the queue, then maskane sepehe bank goes, and these changes

are not just because of the fact that, for example, that bank or this bank is too slow or too fast. it is because of the percentage that the central bank sets for them they have to pay for their education, but in any case, this page existed until the end of 1402. i think there were 140,500 people by the end of 142. until now, when we are talking, this number has reached 300,000 people. next picture, please. let's see an interesting statistic. i said that the total amount that we need to pay the marriage loan for these 300,000 people was announced by the central bank itself . it was 97,000 billion tomans. the whole thing that they had prepared for them , which they told people who will get married in 1403, is at least 200. one thousand billion tomans is an interesting statistic for me and the expert the program i was talking about on the central bank's website, we also looked at how much the banks themselves lend to their employees, let's get a statistic

. basically , there is nothing wrong with giving loans, but look at the issue of resources that is raised, when banks say , for example, we don't have resources, let's see that they only give 200 to themselves. as much as i could , let's give everyone who wants to get a marriage loan half of this amount, we can make the queue zero. let's do it, if you remember, mr. raisi , our martyred president, announced many times that the 13th government is going to cancel this trip, unfortunately, this number has reached 300,000 people, this was our last picture. let's see the preparation of the wire together. we will return to the conversation with the officials of the central bank of majlis and the program expert. it took about 20 days and a month until we were able to do this registration, only because the branches were filling up, and the container was filling up quickly. there was nothing that could be done quickly. they say that this branch has no credit

, no budget, no such and such, this is part of the problems of young people in getting marriage loans, and the figure in the parliament is about double compared to last year. but it has become more difficult for people to receive it , being relatives, for example, they say it took two months and 1 year to give, the central bank has announced that it has paid about 57 thousand billion tomans for marriage , the latest statistics of this bank also say that until today, more than 300 thousand people are on the verge of marriage. one of our common complaints is that clients go to register in the central bank system, but. answer them it is not, and they have to refer to the system frequently, sometimes it takes up to a month or even a month and a half to successfully register in the system, so after they register in the system and their registration is confirmed, they are among the the queues

are counted, so we have a number of people who are still in the queue behind the system and will be added to this number in our queue . to correct the loan, the number of which has been specified in the budget, the budget has been communicated to the banks, and we have divided the number among them as a rule, it cannot be increased unless the parliament increases the numbers, but the parliament has only determined the floor rate of this loan and there is no ceiling . we proposed in the budget that it be 200 thousand to 300 thousand billion tomans. which was approved by the parliament, it was also approved, but unfortunately , he went to the expediency council of the central bank and requested that the 300,000 be changed to 200,000 , of course, at least 200,000, which means they can do more, but it is enough to approve 200,000. thousands

of tomans requesting unnecessary documents, lack of credit from banks and the long process of getting a loan in the branch, the most public protests were about getting a marriage loan. if the word of the law is true, those who have a high score in validation should be able to get a marriage loan without a guarantor, otherwise only with one guarantor . we also saw and heard here in the economy desk studio, mr. rahkeshhai, an economic expert, is present in the other studio of his economy desk, mrs. basfa , the report producer. that we saw together , i am present as a journalist of turkey and insurance agency of sed and sima news agency , we will talk with them, mr. pejmanfar from mr. motaghifar from the ministry of youth sports and mr. nad ali from the central bank will also be added to farakhor. greetings to all the guests and the program, i would like to start with mr. rahgosha and the question of how

important the marriage loan is to everyone. the support that should be provided in the field of marriage. in the name of allah, the most gracious, the most merciful, i am at your service, dear mojovi , the viewers of your program, the guests you invited. the importance of marriage has become clear in many countries , especially in developed countries, because of demographic problems, the decrease in the number of labor force and the increase in the number of people. retired people , moving towards support for having children and marriage means realizing that when young people face problems in getting married or delay marriage at all or do not get married at all, this is the root of demographic problems and one of the the main reasons for this delay . it is starting to be repeated by the authorities that the supreme leader of the revolution himself has said that anyone who moves to increase the population and have children

will have an afterlife reward. this law that has been approved is also in that direction, and we must say that we are very behind in this field compared to other countries, that is, the country. . other they have subsidized support from birth for the child, insurance support, various support to reduce the cost of education, etc., but in our country, the only support that can be calculated now... paying attention to this is the marriage loan that is placed on the shoulders of the banking system, so its importance is very important, and if we do not implement this law seriously and precisely as it is in the law , we have practically no support for marriage and childbearing. our country and other countries, i think , also give other aid. it is a subsidy i appreciate your help in reducing costs. countries that need more population

, countries whose population is declining , increased support to encourage people to get married and have children, if we don't move in this direction from now on, we will surely face the serious problems that those countries are facing. thank you, mrs. basfa, please tell us what you saw in the reports you prepared, the most important issues, and the latest status of queues and registrations for the viewers . you and the respected viewers who are watching the program and also to your guests, let me give you a short introduction. one of the most important problems that jonah has to start their life together right now is this marriage loan . it is leaving young people, some of them regret getting this loan at all. well, the most important problems that young people raise for us is the central bank system for registration. sometimes

it takes 2 months for young people to successfully register in the central bank system. this system keeps giving errors the capacities are filled very quickly and the young people don't have a chance to register after they register before they get to the queue. the registration process itself is the same. the registration process is very long for them. ok, let's see when this site will be opened so that they can register. now that they are registering , it takes about two months to send them a text message from the branch. after the text message is received, now the problems inside the branch are starting. is the branch valid or not? now there is other paperwork. necessary as well as the guarantors that sometimes some banks they are being strict with them, i will give you some statistics, which of course you mentioned , since the beginning of the year, the central bank has announced that until august 16, 174,000 poor loans. marriage has paid 57,500 billion tomans. at the end of last year, there were 149,000 people in the queue for marriage loans. this year

, it has reached 300,000 people, which means it has almost doubled. in order to help applicants with marriage, the central bank has added two banks, resalat bank and qarzul hosneh mehr, to the list. other banks have added 27 thousand billion tomans of credit for these two banks so that they can help the applicants for payment of marriage loan. according to the number that was caused before and the number that is currently added , we have to wait until the end of the year to see if this amount of credit is sufficient for the applicants, and keep this in mind, again at the end of the year, applicants will be registered in this system. they will be named. thank you very much for your explanation, mrs. bazfa, tahrir bank correspondent of sed and sima news agency . naturally, the statistics that i mentioned, the challenges that exist in the field of registration , are not seen in any statistics and we cannot have any statistics from them. we must add a large number of basically according to

the point that mrs. basfa mentioned is that they cannot register. we are in contact with mr. nade ali, the general manager of monetary and credit operations of central bank. greetings and courtesy to you , dear guests and dear people of our country. of course, i would like to make an introduction. so far, about 17,626 marriage loans, which is about 58 percent, have been paid for the children of about 1,758 people, that is, 14 have been paid. compared to sokhnia 4 , it's better. because in my many interviews

i also mentioned that it was supposed that the parliament, which clapped its hands on the number , was announced by the president himself in the 13th government. what is the reason? see, the reason is that the individual limit of the marriage loan is proportional. it has not grown with the resources provided by the banks as charitable loans, that is, it has grown more. at one time, it was 50 million with my marriage, 70 million, then 10 million, and 200 million when i was married. therefore, a gap has been created between the individual limit and the total limit of the marriage loan you can borrow and borrow money, it is not more than 300 , this is not more than that. this is 300, 200 is for marriage

. this page should be created . in fact, in the central bank , we had various correspondences with the majlis in different places so that we could give some relief to the issue . freddie and that power of the banks , these pages are somewhat normal, thank you for being with us, mr. rahkosha, you are ready, yes, look at the thing is that pointing out the power of the banks is not more than 300. during the last 10 years , it has always been said that the banks do not have the resources for marriage education. now, the statistics from 1402 show that the banks' losses are about 560 thousand billion tomans, loan facilities. it was 450 thousand billion tomans in 1402, but how much was the share of marriage loans out of this amount of 138 thousand billion tomans, the share of having children was 36 thousand

billion tomans, that is, the total of marriage loans and childbearing was 3% of the total education. let's assume that it doubles what we claim if manab two if it is equal, kaffaf will pay that amount, that is , it will increase the banks' capacity by 3%. so, in general, it is not a problem . if we calculate the amount at the end of 1402, it is about 6 times the amount that we say is 6 times the amount that needs to be given for education and marriage, that is , if one-sixth of it is allocated to marriage , it will be enough for this queue. cover up so you believe that more than what you declare it is possible for the banks

to take into account current good loan deposits, which is the legal text, but the next point is that the central bank often based on public interest, for example, if we want to say about the stock guarantee fund that was discussed. he allocated a line of credit of about 50 thousand billion tomans for the formation of this fund and the insurance of people's shares in the stock market. well , young marriage is also an issue that is supposed to benefit the entire society . for this reason, if the banks say that we do not have the resources, surely if the banks central should grant them this facility or consider a credit line. or if it excludes the allocation of marriage loans from the control of the balance sheet, the banks will surely open their hands and they have no obstacles in providing marriage education . it seems that the central bank itself has set this limit. we considered a budget of 300 thousand billion tomans, the central bank consulted in the assembly and reduced it to 200 thousand billion tomans

, which means that if the central bank wants to, it can do this, and the banks will definitely help , but the problem is now in the bank. . education can be paid more than what you mentioned i would like to make one point. you see, the important thing is the facilities that are given to couples and even children or even employment, which is a good loan. these are new resources . see, if i have one million tomans, there are no remaining connections. i will put it as a loan deposit with the banking network . now, what is my savings, what is my current account, when the bank lends me this 1 million tomans until this money is returned, it means that the person who borrowed money comes back and new resources come, now he can give new studies, so here the balance of education is not a criterion that, for example, 400 lessons are left

education is not important. you have returned to education. yes , it will be explained between a smaller number. see, although we are also in central bank, so let's pay attention to this point . that is, in addition to the deposits of qarzul hasan pansaddad , there are also current deposits of qarzul hasan , how many of the current banks have you involved, can you give statistics? look, it's enough for the banks

, according to the financial situation they have, at least some banks have 50% of their resources involved, resources for marriage and childbearing loans, yes, yes , there is no difference between them. the point is that these resources are received during the year. and it will be paid during the year , and we have a stream, so this means that we are not going to pay, for example, 200 marriage loans in the first few months. taking back, plus new resources that are equipped in the banking network, it becomes a new loan that is paid . actually, we have also helped in the central bank . we have helped before, that is, last year. we have requested the sources to

reduce the number of marriages and children, and now we have in the plan qarz al-hasna bank, which is actually exempt from the payment of the marriage and child loan that we went to the government . these are now added as two new banks that the sources al-hasna, i will jump to the marriage of my child. in addition to the fact that we also have other programs that, god willing, if the supreme board of the central bank approves , we will provide some new resources to our banks. you see, we first got the new bank and then we added qarz al-hasaneh mehr and qarz al-hasaneh risalah. one, one , two. we are looking for this, one , to provide resources to the banks through the central bank itself, which will reduce some of the expenses.

it is also possible, that is, we can almost do this withdrawal, one-third means approximately 30, you want to experiment with resources, right, now a little less , more, yes, and we will have a meeting with the banks, and in fact, we will have a joint meeting with the operating banks. my bank can actually help to reduce some of these pages when you have a meeting with the banks next week. we will have this meeting with the banks , what will the banks do because you said that the power is more than this? in fact , we can promote them to the banks with different methods, now with different incentive methods , so that these people who are in the queue at

different stages, now determine the special branch for the documents and those whose files are completed and are waiting to receive the loan , this will be paid. we can increase the number of banks to accept more people per day than the possibility of registering for our dear compatriots. it would be simpler and easier to make this process a little easier, although the issue and the mozelle still remain. i am asking, mr. nadli , is it only you who is planning that almost half of the year 2014 has almost passed by the end of the year? your goal is to increase this queue from 300,000 people to a few hundred thousand people. look, the trend of the last few years has always shown that the end our year is something around 150. we have a queue of up to 200,000 people, although in bahman asran , due to the fact that the applicants expect an increase in the marriage loan, they leave sabah and

enter the page again on the first day of the year. those who accumulated last year in addition, according to the law, 99 is also included in the marriage loan. we also sent a series of requests to the parliament. to update a bit of this, the marriage loan that the applicants are eligible for, for example, from 1402, so that we can give this loan to people who get married in a timely manner. all the programs you mentioned should reduce the number of marriage loans by the end of the year to about 145,000 people like last year. yes, we are looking for this now , god willing. consultations with the parliament and others we have also done our best to be able to add resources other than the bank and central bank to

reduce a position, but where do the suggestions come from? that has been brought up, now let it be finalized because some of them require a series of laws and regulations, which we will surely inform you when they are established. please tell me that mr. nad ali from the central bank stated that the ceiling set by the parliament and the existing time frame caused this queue to reach 300,000. someone arrives. what has happened, where did it go , and the plan of the parliament is to support the central bank to reduce this number, to make the queue shorter, what's going on? before i discuss this issue, please allow me to mention a basic issue that we must definitely

resolve this issue in a way that many of these issues can be resolved, and that is transparency in connection with this. our topic today is finally the difference between the central bank and the report there are supervisory bodies that determine the amount of money that has been loaned or put in current form . it is one of the serious issues that creates the root of these issues. nad ali announced that, for example, 50% of the capacity, for example , some banks use their current capacity , or our reports

are completely contrary to this issue. if the current is not turned on, this is actually unfortunately the way we are looking for a solution let's find a credit or another way so that we can do this legal issue and this legal duty of ours . the current servant is fully responsible for these issues and we don't need anyone else to stand in line and wait for this issue. also, mr. pajam, can you explain the statistics you have and the capacity you have to the viewers, because mr. nad ali has

paying attention to the little time your program has to enter the number and let's not figure it out, but if we want to go into numbers and figures, let's talk about the time , and our opinion is that in relation to this issue , it is the same as the one-sixth of the deposit capacity in the field. qarzaul-hosna and now it should be stated even more strongly that the central bank has this capacity. you see, when our private banks today, none of them are willing to make their issues completely clear. one of the issues that we are strictly following commission of principle 90 and we will definitely put this as a priority in the discussion of clarifying deposits and their facilities

when are they giving me today? somewhere in mashhad , i was talking about the same issue, that we have 9 banks among the 30 banks in mashhad today that are collecting people's assets and collecting people's deposits, basically they say no. of course, we estimate that they are collecting about 12% of these deposits . and none of them answer to whom they are paying these deposits. when this is said, we have a bad system in relation to the banks , basically, there is no kind of supervision about the banks. no, i am telling you that now in khorasan, exactly 12 % of deposits are being made in these 9 banks, and none of them give statistics on who gave these deposits.