In view of the fact that most of the banks are wholly or partly owned by the people of the Authority. He believes that it is not the responsibility of the banks nor their responsibilities to solve the crisis of residential ownership, but that the right to housing must go through integrated policies,
Shaaban is denounced To continue to involve banks in securing the basic needs of the citizen and control, "The support of education through educational loans, and support the productive sectors are through guarantees, and today, housing support will be directly through banks The result, according to Shaaban is that" the continued profitability of banks are always at the expense of people "
The most important concern of the proposed solution, according to economic expert Ghazi Wazni in an interview with the "cities" is that it gives the power to spend to banks What can open the appetite to give very large loans at the expense of public revenues of the state, Is a tax cut of support value. It is my weight that the granting of the validity of the expenditure of banks violates the principle of allocation of the law of the general budget, and control of the full file of housing loans.
Proposal for a solution to the crisis of housing loans subsidized Although many criticisms of the arguments of some of them realistic, but he received the approval of economist Jassim Ajja who In a talk to "cities" in a "logical" way, considering that banks are the only ones that currently have the financial capacity to lend to housing and others, but the biggest task remains for the regulatory bodies, specifically the Banking Control Committee, which has to exercise effective control and accurate,
Despite the indirect correlation between the interest of lending and the interest on deposits, banks have the right to leave a profit margin, but the control of the lending mechanism and the size of the interest and the ceiling limit, matters Or else the process of linking housing lending support to tax reduction for banks is purely a "deal."