Iran’s 2025 Childbirth Loan: A Strategic Guide to Financial Support for Families
In a strategic move to support demographic growth, the Islamic Republic of Iran has outlined the financial provisions of its childbirth loan program for the upcoming Iranian year (2025). The initiative offers tiered, interest-free financial assistance to families, with loan amounts increasing progressively with each child.
Tiered Financial Support
The program is structured to provide substantial support, with loan values ranging from 44 million Tomans for the first child up to 220 million Tomans for the fifth and subsequent children. This graduated system is designed to directly assist families with the costs associated with raising children.
Favorable Repayment Terms
Classified as Qard-al-Hassanah (a benevolent, interest-free loan in accordance with Islamic principles), the loan carries a maximum annual service fee of 4%. The repayment schedules are tailored to the loan amount:
- First Child: 44 million Tomans, repayable over 3 years with a monthly installment of 1.333 million Tomans.
- Second Child: 88 million Tomans, repayable over 4 years (2 million Tomans/month).
- Third Child: 132 million Tomans, repayable over 5 years (2.4 million Tomans/month).
- Fourth Child: 165 million Tomans, repayable over 6 years (2.5 million Tomans/month).
- Fifth Child and Beyond: 220 million Tomans, repayable over 7 years (2.857 million Tomans/month).
Eligibility and National Framework
The loan is available to Iranian citizens for children born within the country. Each father is eligible to receive the loan once per child, with separate loans granted for multiple births. The program operates within a national framework that prioritizes regions based on demographic data, in line with the Family and Youth Population Support Law.
Streamlined Application Process
Prospective applicants must register through the official online portal at ve.cbi.ir, complete their information, and obtain a 10-digit tracking code. Within 12 working days, they must then visit their designated bank branch to finalize the application. Required documents include national identification documents for the father and child, a complete home address, and the tracking code.
This comprehensive financial program underscores the nation’s commitment to implementing supportive social policies for families.