The latest news indicates that the Central Depository Company is ready to provide the necessary services to banks to issue credit cards to those who are entitled to justice shares, and banks can apply for credit based on the current value of individuals’ assets.
According to ISNA, the equity credit card is designed based on the relationship between the money market and the capital market, and the person or the guarantor can send his application through the electronic portal of the banks, and then the services and information exchanges between the central depository company and the banks. Is established.
Details of lending by banks
Accordingly, some banks have seen the plan in the form of credit cards, and some banks are trying to top up one of the customer accounts and the shareholder can enjoy the relevant facilities in the banks. In fact, each bank offers a percentage of its assets in the form of credit in proportion to the level of risk coverage. Some banks have provided 60% of the daily value of the individual assets and some up to 100% for the provision of facilities, the mechanism of which depends on the operating bank.
Finally, the individual request is sent to the Central Depository Company. These requests are cumulative and the discussion of mechanized certification takes place, after which the company notifies the bank that the individual shares have been certified and the bank can give credit to the shareholder.
Some banks plan to charge this amount in the form of charging ordinary customers’ cards, some in the form of purchase cards and some through new payment methods.
This plan is especially for those who have chosen the indirect method of managing their stocks. Currently, several banks are doing this for the direct ones, including the National Bank, but considering that there are about 30 million indirect ones, more banks are joining the plan.
What characteristics should the beneficiaries have?
The subject of justice shares who have chosen the indirect method of managing their shares must be Sajami, and after authentication in the applications related to the operating banks and after the deposit company has confirmed that Sajami is a person for the bank, it can be an asset. Observe yourself and realize how much equity assets you have and fill in the relevant form in the bank system accordingly. The process is completely electronic and applicants can submit their application through banking applications.
In this regard, rumors about the allocation of a loan with 50% of the daily value of justice shares with an interest rate of 18% and a three-year repayment period for shareholders of the indirect method of justice shares have been published, which was denied by the Central Depository Company.
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