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The Amur family was the first in Russia to receive a rural mortgage

The Amur family was the first in Russia to receive a rural mortgage
Photo: amurobl.ru

The first recipient of a rural mortgage in Russia was the Nezbudin family from the village of Verkhnyaya Poltavka, Amur Region. Spouses took almost three million rubles at 2,7% per annum for the purchase of an apartment in the Blagoveshchensk district.

According to Galina Nezbudina, recipient of a rural mortgage, she and her husband decided to buy an apartment for children who are now forced to rent housing. Parents will live in Upper Poltava. Rural mortgage for them was the most acceptable option. The family will pay 13 years for a new apartment, but the Nezbudins hope to repay the loan ahead of schedule.  

So far, only the Agricultural Bank is issuing a rural mortgage. Now he is considering more than 300 applications from residents of the Amur region. According to the governor of the region Vasily Orlov, this program is very relevant for the Amur region, since a significant part of the region’s economy is agriculture. Such a mortgage with favorable conditions helps to attract specialists of this industry in the Amur region.

The main condition of a rural mortgage is that you can spend a loan only on the purchase of an apartment, house or land in rural areas, urban-type settlements, workers' villages not included in urban districts, and small towns. The maximum loan amount is five million rubles. The Agricultural Bank offers a rate of 3%, but with personal insurance it drops to 2,7%. The borrower pays 10% or more percent of the cost of housing, the loan term may not exceed 25 years.

Any borrower can apply for a rural mortgage, regardless of age, marital status, place of residence and social status. At the same time, unlike the Far Eastern mortgage, it is not necessary to live in the village.

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