**Terms and Conditions of Housing Purchase or Construction Loan Facilities for Respected Faculty Members of Universities:**
1- Submitting the applicant's loan request to the Vice Presidency for Administrative and Financial Affairs
2- Issuing a letter of introduction to the Welfare Headquarters of the Ministry of Science, Research and Technology
3- Introduction of the applicant to the bank by the Welfare Headquarters of the Ministry of Science, Research and Technology
4- Referral of the faculty member to the bank and submission of the required documents