currently, the program provided 1 billion roubles till the end of the year. However, due to excessive demand for product over a few months the limit was almost exhausted. Sberbank has chosen annual limit on the first day of the programme. At the beginning of June to the rural mortgage had 7.9 million people.
According to Deputy Prime Minister, 1 billion rubles of Federal funds allocated allows to produce about 28 billion roubles for the improvement of living conditions of more than 10 thousand families. For this money you can buy up to 1 million square meters of housing. And the increase in the amount of three times will provide housing for more than 45 thousand families. Lending can be up to 120 billion rubles, which you can buy up to 4 million square meters.
“rural mortgage” is being implemented since the beginning of this year, but has already established itself as one of the most popular and successful projects in the field of mortgage lending. It allows citizens to buy a ready built house or build yourself the object of individual housing construction on the best credit conditions with the lowest possible rate. The implementation of a “living” measure of citizens ‘ support is especially important in a pandemic. In addition, the programme should be considered as an effective measure to support the development of housing construction, which is expected to follow the revival of economic activity in rural areas, increase employment, and use of unclaimed lands for the needs of construction and agricultural production”, – says Victoria Abramchenko.
we will Remind, the state program, to obtain a soft loan can the citizens of Russia aged from 21 to 64 years. The application still involves only two banks – Rosselkhozbank and Sberbank. Funds are issued for purchase of ready housing in rural areas, land for construction of houses, unfinished houses, apartments in a newly built house. Housing must be suitable for permanent living and engineering systems (lighting, water supply, drainage, heating, etc.), and on the area to be not less than the prescribed allowance per family member. The first installment must be not less than 10% (the savings Bank not less than 15%). The loan is at an interest rate of from 0.1 to 3% annual for the term up to 25 years. Involving all rural areas, except for Moscow, Moscow region and St. Petersburg. The maximum loan amount is: for the Leningrad region and the far Eastern Federal district – 5 million rubles for other regions – 3 million rubles.
