Rosselkhozbank in Tatarstan issued 3 billion rubles for rural mortgages
One of these families is Eugene and Yulia Vilisovy. They moved from Novokuznetsk to the village Kamysh in Tatarstan. Eugene says that they dreamed of their own home for a long time, while they were renting an apartment and looking for options. Having seriously thought about children, they decided that they must certainly grow up in an ecologically clean area. “We reviewed more than 40 different options, but when we found ourselves in the village of Kamysh, Pestrechinsky district, we literally fell in love with this place: clean air, forest, lake ... In addition, the unique program "Rural mortgage". We took a mortgage in the amount of 2.6 million rubles, and now we are the happy owners of a house with our own plot. Moreover, the house is large, solid, designed for 2 families.” The Vilisovs plan to bring their parents to their home. The plans include the birth of children, chores in the garden, and even a greenhouse.
Tatarstan is among the leading regions in terms of the volume of rural mortgage lending, along with Bashkortostan, Leningrad and Novosibirsk regions.
There is the demand for the purchase of residential buildings (47% of the total number of applications), apartments under equity participation agreements (18%) and contracts of sale (35%). Clients prefer to purchase housing in small settlements (with a population of up to 5 thousand people) - this segment is the main - 40% of approved applications, in regional centers (population from 5 to 10 thousand people) - 31% of applications. 20% of clients purchase housing in settlements with a population of 10 to 20 thousand people and 9% - in settlements of 20 to 30 thousand people.
Laishevsky, Pestrechinsky and Vysokogorsky districts are currently the leaders in the implementation of the rural mortgage program in Tatarstan.
The average size of a mortgage loan is 2.2 million rubles.
“Since the beginning of the program, a number of conditions have been adjusted. For example, now, when using a rural mortgage, the land plot on which a house will be erected can belong to the borrower not only as property, as before, but also be rented. Also, at a preferential rate, you can refinance a loan taken under standard programs in other banks in 2020, ”said Lyalya Kudermetova, director of the Tatarstan Russian Federation JSC Rosselkhozbank.
A rural mortgage can be issued for the purchase of any residential property in any settlement that belongs to a rural area, the population of a settlement no more than 30,000 people. The amount of the loan issued for a period of up to 25 years is between 100 thousand and 3 million rubles, while the initial payment starts from 10%. Any citizen of the country aged 21 to 75 can apply. It is possible to use maternity capital as a down payment. The requirements for work experience have been relaxed - at least 3 months at the last (current) place of work.
You can choose an interesting option in a new building or in the secondary housing market through a special service of the Russian Agricultural Bank "Svoe Zhilye". On the same portal, you can calculate the cost of a loan, submit an application and receive an answer online.
You can clarify the list of rural areas on the website of the Ministry of Agriculture and Food of the Republic of Tatarstan, and contact the call center of the ministry on rural mortgage issues: 8-800-444-16-70.