The initial fee for a rural mortgage will be 10%, and the loan rate from 0.1 to 3% per year
From January 1, 2020, the program of preferential mortgage in the village will begin to operate. The draft decree of the Government of the Russian Federation provides the establishment of an initial fee for a rural mortgage of 10% per annum.
"The borrower pays at his own expense, including those received from the federal budget, the budgets of the constituent entities of the Russian Federation, local budgets or from the organization - the borrower's employer (except the social benefits received as part of the implementation of the measures of the state program of the Russian Federation" Integrated rural development "), 10 percent or more of the value of the purchased (under construction) residential premises," - said in the annex to the draft resolution.
At the same time, the lending rate ranges from 0.1% to 3% per annum for the entire term of the loan agreement, which can not be more than 25 years. In this case, the discount rate is subject to the personal insurance of the borrower.
The size of the soft loan is 3 million rubles for the rural areas of the Russian Federation, except the Far Eastern Federal District, where its size is 5 million rubles. The territories of Moscow, St. Petersburg and the Moscow Region are not involved in the program.
The draft decree of the Government of the Russian Federation is at the stage of independent anti-corruption expertise.
The Ministry of Agriculture and Food of the Republic of Tatarstan draws attention that it is possible to take part in the discussion of the project, leave your opinion or make suggestions on the Federal portal of draft regulatory acts.