How to get a loan?

How to get a loan?

The easiest way to get a loan is to make a deposit in the bank. After the waiting period has passed, you can apply for a loan up to the maximum limit based on the GPA of your account performance. You can also get a loan from the desired bank of up to 200 million
Tomans without a guarantor based on your long-term deposit in the bank. The problem is that many people do not have the capital to deposit in the bank and get a loan, or they need a loan urgently, in the following we will introduce some methods of paying a loan without the need for a deposit:

Using instant loans from banks

An urgent loan is a loan that banks pay to applicants under special conditions and in a short time (2 to 3 working days); The ceiling of this loan is below 10 million Tomans.

Buying loan points from others

Assigning a loan privilege means transferring the right to pay the loan to another natural or legal person, that is, the owner of the loan privilege transfers it to another person after receiving an amount from the loan, such as buying a marriage loan. What Are Loan Proceeds?

Using other people's loan points

Using incentive schemes of different banks such as:

• D card of Bank D for the purchase of goods worth 30 million tomans with 15% interest (36 months)
• Development and Cooperation Bank plan to purchase Iranian goods with a ceiling of 30 million Tomans with 15% interest (36 months)
• Melli Bank to purchase goods with 50 million Tomans with 18% interest (36 months)
• Tourism Bank for the purchase of goods with a deposit of 50 million tomans with an 18% interest (36 months)
• Refah plan of workers' welfare bank to purchase goods with a ceiling of 50 million tomans with 15% interest (36 months)
• Tejarat Bank up to 10 million tomans with 18% interest (36 months)
• Saderat Bank (10% of the amount of Nasdbank loan is blocked) up to 50 million Tomans with 18% interest (36 months)
• Mellat Bank to purchase goods with a ceiling of 50 million tomans with a 12% interest (36 months)
• Mehr Ektisad Bank for the purchase of goods with a ceiling of 30 million tomans with variable interest depending on the loan amount between 15 and 18 percent (36 to 48 months)
• Parsian Bank (22% of the loan amount is blocked by the bank) for the purchase of 30 million Toman goods with 18% interest (36 months)
• Aindeh bank card tranj plan to buy goods with a ceiling of 50 million tomans with 16% interest (36 months)
• Hatem Bank Ansar's plan to purchase goods with a ceiling of 50 million tomans with 15% interest (48 months)
• Ekhtaz Novin Bank to buy goods with a ceiling of 50 million tomans with 18% interest (36 months)
• Hikmat Bank Iranian remittance plan for the purchase of 30 million Tomans goods with 14% interest (30 months)
• Sepehr Bank Saderat's plan to purchase goods with a ceiling of 20 million tomans with a 15% interest (36 months)
• Qarz Al-Hasneh Mehriran Bank for the purchase of goods with a ceiling of 20 million tomans with 4% interest (12 months)
• Yas Bank Sina scheme for women, 20 million Tomans with 18% interest (36 months)

You can easily use a loan to purchase goods by providing a proforma invoice from reputable home appliance stores across the country.

To calculate loan installments without the need for a calculator,  download the Sad24 program from Cafe Bazaar right now.
Free download of the SAD24 program

Obtaining a loan by checking the account of family members, friends, and acquaintances from the bank

Mudarabah loan

Mudarabah loan is one of the specialized loans in Iranian banks, although it is popular in all banks, not everyone can use this facility. In order to provide liquidity to people who have economic activities, banks pay loans to them and share with them the final profit of this economic activity with certain percentages.
Mudarabah is a contract that is concluded between the bank as a provider of money and a merchant or economic operator as a person. Having documents such as a business license and documents related to the establishment of the business and its location is one of the main documents required to receive this type of loan. According to Mudarabah law, banks are obliged to provide the amount required for Mudarabah to the clients either at once or periodically in certain periods.

Loans for the purchase of machinery and equipment or raw materials

This loan is paid to producers or entrepreneurs and other people such as farmers in order to help the business prosper or start a new business.
The amount of this loan varies depending on the estimated cost of the equipment and is paid by all banks.
One of the advantages of this loan is a 5-year grace period for loan repayment.