Since the beginning of the year, only the agricultural Bank received more than 41 thousand applications under the rural preferential mortgage in excess of 91 billion rubles, told “RG” in the Ministry of agriculture. It specified that the preferential mortgage has already received the residents of the 35 regions. The issue loans under the program only the agricultural Bank, but a similar agreement, the Ministry of agriculture was signed with Sberbank, the Bank “Center-invest”, “left Bank” and “AK bars”.
“the Preferential mortgage is one of the key tools of the state program of complex development of rural territories, which will allow not only to improve the living conditions of people and reduce migration to the cities, but also to attract to the agricultural sector of urban residents,” – said in an interview with “Russian newspaper” the Deputy Minister of agriculture Oksana LUT. According to her, the program provides unprecedented conditions for lending, which for most people who live in rural areas, were still not available. And a greater demand mechanism in the regions proves the viability of this program.
Due to preferential mortgages and other instruments of support, envisaged in the state program, the Ministry of agriculture expects in the coming years to dramatically improve the situation in rural areas, to provide people with comfortable housing and quality social and engineering infrastructure, to bring the level of rural life to the city, says Oksana LUT.
However, in a pandemic coronavirus opportunities of the state program is limited. In early April, the government has prepared a package of decrees on the adjustment of individual state programs. Increased funding meant those which relate to the support of sectors affected by the pandemic coronavirus. It had to cut funding for other programs, including “Integrated development of rural areas”, – from 2.29 to 1.49 billion, that is half.
the reduction of financing of the state program “Integrated development of rural areas” will affect the development of infrastructure in rural areas and housing (which covered rural mortgages), said Oksana LUT. According to her, is now supporting agriculture, mortgage is 1 billion rubles, which allows to improve the conditions of 5.5 thousand families. But given the extreme popularity and demand of this program the agriculture Ministry will continue to seek to increase the amount on this line this year to 6.4 billion rubles. This will provide housing for nearly 50 thousand families – that’s about 4,25 million square meters.
the Ministry of agriculture recalled that the program operates in all regions, except Moscow and Moscow region and St. Petersburg. Today, the maximum loan amount is limited to 3 million roubles, except for residents of the Leningrad region and the Far East – for them due to the high�� housing price limit increased to 5 million rubles. Now also considering the question of increasing the maximum amount (up to 5 million rubles) for Yamalo-Nenets Autonomous district.
under the program, to obtain a soft loan can the citizens of Russia aged from 21 to 64 years. 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 (electricity, water supply, Sewerage, 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 loan is at an interest rate of from 0.1 to 3% annual for the term up to 25 years.
As told in the Ministry of agriculture, now the Department is preparing changes to the program rural mortgage, planning to add obligations for the borrower to register at built or purchased using a preferential loan of a house. In addition, it is planned to expand coverage by allowing housing on land leased for construction or conducting a personal part-time farm.
the Potential of the program due to high preferential rates (maximum 3%) and a decent amount of credits that can reach 3 million rubles, which is enough to purchase a sturdy house or a spacious apartment, according to the Chairman of the Board of Directors of the company “BEST new Building” Irina Dobrokhotova. In her opinion, the program is attractive because by its terms it is possible to acquire a plot of land and on it to build a house strengthened, under the project. Another plus – the opportunity to purchase a house or land not only in the village or the village, but in a working village, a small town or in a small town with a population of no more than 30 thousand inhabitants. This increases the probability of participation in the program young families, which still left the rural areas to the cities for higher wages and a higher standard of living (including social, shopping and entertainment component), he said.
Dmitry Narinsky, Vice-President of the Union of architects of Russia:
– the Current system of regulating infrastructure in the country is made according to the balance principle: what we plan for cities and for rural areas. But the development of social infrastructure – kindergartens, schools, polyclinics, etc. – in rural areas should be conducted differently. In most institutions is in close walking or transport accessibility. When we start these same principles to impose on the rural territory, we have obtained the atomization of both financial resources and quality toigrovogo composition. In the end, we have schools where not every class is filled, as many students in rural areas there physically. While the teacher conducts 2-3 object due to an insufficient number of both pupils and teaching staff. The development of social infrastructure in rural areas should be carried out simultaneously with the development of transport, and specialized transport. We are not the service needs to involve the population, and to provide public access to the service. It’s a completely different principle. Service is not the construction of the project, as a complex phenomenon. Let us take care of the delivery of the population, the closer the population to the point of service. Thus it is necessary to take into account the specificity of each region: rural areas in the Krasnodar region is one thing, but we have areas with really hard-to-reach places where you during the day will not be able to turn back.
