Rafidain Bank announces new regulations for the granting of ten advance salaries for
Rafidain Bank announces new regulations for the granting of ten advance salaries for employees
Rafidain Bank announced the development of new controls to activate the process of granting an advance [ten salaries, state employees and departments to give priority to the beneficiaries of electronic payment cards
A statement to inform the bank agency received all of Iraq [where] a copy of it, to "controls grants are as follows:
1. The required student advance to get them to be has a service not less than one year [was installed appointed].
2. The amount of the advance by [10 ] call salaries plus fixed allowances [marital certificate] that no more than  million dinars of the total ten salaries only.
3. duration of the advance [5 years] be paid in equal installments per month.
4. interest rate [9%] annually calculated on a straight declining and pay fixed installments with the installments of the advance month after the grant date.
5. levied administrative commission [2%] of the amount of the advance granted.
6 is required not to exceed the monthly deductions for advance with other overdue obligations borrower from [50%] of his salary total.
7. provides borrower sponsor guarantor of [civil servants from government departments staff] who are not less than their service for at least one year and does not accept guarantees opposing that does not exceed the total deductions for [50%] of the salary of the total sponsor.
8. insurance has a government through the conclusion of a contract with the company by the General administration of insurance companies [financial section.
9. If there is a precedent advance Agaydah settlement or cash advance before the exchange and spend the remaining amount.
1. provide identities tariff [identity Civil Status - Iraqi citizenship certificate - housing card - or national card]
2-book from the Ministry or Department of borrower supports not received an advance from our bank or other banks and the continuation of the service and the support of his monthly salary , and undertakes his constituency fulfillment monthly salary premiums and transferred to the bank in accordance with the attached application in the instructions bank model during a maximum period of 10 days from the date of exchange salary] and in the case of delay interest Tojerih calculated by [2%] number of days of delay from the due date until the date of payment in addition to the legal interest [ contractual and signed Alnozj by the administrative department in the ministry or department concerned.
Mechanism of Action
1. The distribution of ministries and departments affiliated to the branches of the Rafidain Bank as shown in the attached table in the instructions.
2. be reviewed grants to the Ministry , which will be reluctant to pay the premiums owed to its employees.
3. authorized representatives of regions and supervisors for the purpose of the distribution of existing ministries and departments in their provinces on the branches of the bank.
4. The backing offices in the district delegates offices to send the data included the names of staff on advances by the branches in their areas to the General Administration / Department Tkonologia information and communication as well as for the branches of the bank in Baghdad for the purpose of the intersection of data and ensure non - repetition.
5. the Information and Communication Technology Section approached Rasheed Bank / Department of Electronic Calculator for the purpose of exchanging names for the purpose of previously endowed the intersection and to ensure non - repetition.
6. The ministries or departments concerned covered by imprest to submit the names of its employees under the request of the advance attached in the instruction form and be in the form of meals that do not exceed the total meal  employees for each branch as a first stage and at the completion of the meal is provided with branch another meal of applicants and inspired branch after obtaining the approval of the bank credit department for the purpose of not allocated exceeded bear the ministry or department concerned with the responsibility of any student grants repeat and advance the responsibility of the health of the archives with the forms attached to the request of the advance and supported us so.
7. stamped forms stamped validity of the information contained in the required documents by the Administrative Department of the concerned directorate official on the degree to be director of financial accounts or after authorized to do so by an official letter as branches are provided with the names of the authorized signatories to the transactions and models of their signatures and Akhtamanm.
8. The ministries under the guidance letter to the concerned branches that includes the names of the candidates facility with the filing of candidates and branches to send these names to the General / Department of Information and Communication Technology department is not promoting transactions only after receiving a letter from the ICT department confirms the non - repetition.
9. Ministry or bear the responsibility of the Department of Health borrower archives attached with the request of the advance and public support to the bank so forms.
10. The branch to support the health of the book received from the ministry or department concerned , however , supported.
11. inform borrowers not assigned a review of the branches for the purpose of the advance exchange only after the contact Bmmthelhm ministry or department concerned [chief financial officer] or by telephone and that regulatory purposes and shall bear the branch manager to verify the integrity of the connection.
12. regulated by a special contract between the bank on credit and the employee and stamp duty are met by [2 per thousand.
13. Branches shall save the pledges and contracts after the issuance of the decision and grants , as applicable bond facilities.
14. Grants are allocated according to the credit of the branch and shall not be exceeded in any case.
15. open a page on each calculator Mstlv includes full information about payment schedules , and in the absence of a calculator at the branch are relying on manual records and the organization accurately and according to the alphabet letters.
16. Provide Advances Division monthly repayments of advances on the statistic for the purpose of supervision and follow - up and make sure not allocated to the credit ceiling is exceeded.
17. requires the receipt of payments from the department concerned under the approved instrument and within ten days from the date of receipt of salary , however , and undertakes the relevant department of the model based on this undertaking in the attached instructions and attached with a detailed instrument controversial includes the names of borrowers with the amount of payment for each Mstlv.
18. The balance of the advance becomes the duty of the full payment when the employee 's resignation or interruption of borrower or his retirement or granted leave without pay or for any reason whatsoever [death / separation / leaving work .... etc] shall not be granted a clearance before paid for the entire balance of the advance or if the sponsor has pledged to accept the installments remaining amount of his monthly salary.
19. In the case of reporting the transfer of an employee from his department to the borrower on the other hand Asthsal vowed student from the Credit Department transferred to it.
20. In the case of payment before the maturity date of the interest on the amount until the date of payment is calculated after the addition of one month for the differences in the calculation of fixed interest.
21. All instructions canceled advances of employees of the former state departments, as amended and replaced by the instructions above.
The distribution of ministries and branches of the Rafidain Bank for advances:
1. Defense Ministry:
[allocation of the Ministry of Defense to employees of the branch of the ministry 's headquarters - the allocation of branches Azwaip and the role of the officers and the cities and the national and Hudhayfah ibn al - Yaman and Rustumiya to employees of the headquarters located in Rusafa in Baghdad - the allocation of branches of the letter and Haifa to employees of the headquarters located in Karkh side of Baghdad].
[ The complex allocation of oil to the headquarters of the Ministry of Oil and related departments in the ministry and branch refineries to other employees of the Ministry of Oil circles] branch.
3. The Ministry of Education:
[allocation of Palestine and Al- Quds Street sub to the headquarters of the ministry - the allocation of branches Waziriya and Adhamiya for employees of education [Rusafa first] - allocation of fraternity branch and Sevilla to employees of education [Rusafa III] - Allocation of branches pratha, freedom and environment to employees of education [Karkh first] - Allocation Branch knowledge of the employees of education [Karkh second] - the allocation of Kadhimiya branch to employees of the [third Karkh] - Zahra branch allocation to employees of education [Karkh third].
4. Ministry of Water Resources
[allocation of the eastern branch of the door to the employees of the Ministry of Water Resources].
5. Ministry of Communications
[allocation of the upper branch of the employees of the headquarters of the Ministry of Communications and departments associated - the allocation of the Liberal branch for the rest associated with the Ministry of Communications departments]
6-Ministry of Municipalities
[allocation of sub - seven palaces and municipalities for the employees of the Ministry of Municipalities]
7-Ministry of Agriculture
[customize Victory Square Paradise Square Branch for employees of the Ministry of Agriculture]
8-Ministry of Labor and social Affairs
[allocation of labor and social affairs branch of the employees of the ministry]
9-Ministry of Construction and Housing
[allocation of the Ministry of Construction branch, Housing and branch railway to the employees of the ministry]
10. The Ministry of Human rights
[allocation of victory Square sub - district factor for employees of the Ministry Human rights]
11 - Ministry of Industry and minerals
[allocation of branches of the Ministry of Industry and minerals and the White Palace and Al - Rafii neighborhood unit of employees of the ministry]
12 - The Ministry of environment
[allocation Sinak sub - Karada Mariam for the employees of the ministry]
13 - non - circles linked to the Ministry
[allocation of branches of Al - Mansour and the struggle Mustansir and Andalus Sheikh the age of the employees of all circles of others related to the Ministry]
14 - General Secretariat of the Council of Ministers and the House of Representatives
[allocation of the General Secretariat of the Council of Ministers and the Arab neighborhood sub to employees of the House of Representatives and the Council of Ministers]
15 - Baghdad Municipality
[allocation of safety sub - caliphs to employees of the Municipality of Baghdad]
16 - Sunni Waqf
[allocation Sunni Endowment , a branch of the credit employees of the Sunni Endowment]
17 - the provinces of Diyala - Salah al - Din - Anbar]
[the delegates to the distribution of ministries at the branches of those provinces]
18 - branches associated with the delegates of the regions of North - South - Central]
is divided into ministries by delegates branches of them. https://www.alliraqnews.com/modules/news/article.php?storyid=59780