According to the Shahr-e-Bourse, following recent concerns about the removal of mandatory banking loans or their conversion into “Purchase Credit Cards” (Kala Cart), the spokesman for the Budget Integration Commission announced today that Marriage and Childbearing Loans will remain strictly cash-based in the 1405 (2026) budget bill.
Based on the new proposal and considering the inflation rate, the base marriage loan is set to increase by roughly 30% compared to this year, reaching 650 million Tomans per person.
Proposed Loan Amounts (Budget Bill 1405)
| Loan Type | Proposed Amount (Tomans) | Repayment Period |
| Marriage Loan (Standard) | 650,000,000 | 10 Years |
| Marriage (Groom <25 / Bride <23) | 800,000,000 | 10 Years |
| Childbearing (1st Child) | 100,000,000 | 3 Years |
| Childbearing (2nd Child) | 200,000,000 | 4 Years |
| Childbearing (3rd Child) | 350,000,000 | 5 Years |
Will the banks cooperate?
Inflation Adjustment: With the dollar in the 140,000 Toman channel, the previous loan amounts (300-350 million) had practically lost their effectiveness for starting a life. This increase is a necessary reaction to market realities.
The Queue Crisis: While the amounts have increased, the main challenge remains the “Waiting List.” Banks are currently claiming a lack of resources, and increasing the ceiling might make the queues even longer and the collateral requirements (guarantors) stricter.
