Over 992 million rubles issued in Tatarstan under the rural mortgage program
Tatarstan steadily holds the lead among the regions of Russia in terms of the volume of rural mortgage lending, providing 2,159 families with funds for the purchase and construction of housing. In 2021, 466 families have already used the program in the republic, the total amount of loans amounted to about 993 million rubles.
The main operator of the program is Rosselkhozbank. This year, the credit institution issued 275 loans to Tatarstan citizens for the amount of 587 million rubles, out of 1397 applications received, for the purchase of primary and secondary housing in rural areas.
In 2021, Sberbank issued 178 mortgage loans in the amount of 380.82 million rubles out of 1325 applications. Ak Bars Bank issued 13 mortgage loans in the amount of 25.03 million rubles out of 404 applications. Recall that in 2020, 1,693 mortgage loans were issued in the republic in the amount of 3,724.8 million rubles.
The goal of the project is to create conditions for providing affordable and comfortable housing to citizens living in rural areas, by ensuring the volume of housing commissioning (acquisition) by 2026 to 122 thousand families.
A rural mortgage can be obtained for the purchase of any residential property in any settlement that belongs to a rural area, the population of a settlement should not exceed 30,000 people. The amount of the loan issued for a period of up to 25 years is from 100 thousand to 3 million rubles, while the initial payment starts from 10%. Any citizen of the country between the ages of 21 and 75 can apply. It is possible to use maternity capital as a down payment. The requirements for work experience - at least 3 months at the last (current) place of work.
What's new in 2021:
You can buy an apartment in houses no higher than 5 floors;
Within 6 months, you must register in the purchased housing;
It is now possible to build a house on a leased land plot.
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 of the Republic of Tatarstan, and consult on rural mortgage issues at the call center of the ministry: 8-800-444-16-70.