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Take a loan for the development of household plots in the Russian Agricultural Bank. Let's compare their conditions. Requirements for applicants

Personal subsidiary farming (PSP) is a form of non-entrepreneurial activity for the production and processing of agricultural products. The activity is carried out by a citizen or a citizen and members of his family cohabiting with him and (or) jointly carrying out personal subsidiary farming with him in order to meet personal needs on a land plot provided and (or) acquired for personal subsidiary farming.

Law N 112-FZ of July 7, 2003 was adopted for owners of personal subsidiary plots and regulates all types of relations that arise in the process of organizing and maintaining private household plots. I recommend that you familiarize yourself with the Law in detail - it is small in volume, clearly stated and clarifies a lot.

The Federal Law on personal subsidiary farming contains sections:

  1. the concept of private household plots;
  2. the rights of citizens in the organization and management of household plots;
  3. land plots for household plots;
  4. relations between authorities of all levels and owners of household plots;
  5. property in the conduct of private household plots;
  6. legal relations with the Pension Fund of the Russian Federation;
  7. accounting and termination.

If you don't have time to read this bill, here's how I understood it:

  • Personal subsidiary farming - an activity that is not considered entrepreneurship, despite the fact that the grown products are considered the property of the owner and can be sold. Since the activities of private household plots are related to agriculture, it is most appropriate to compare this form with a peasant farm (KFH).
  • Our plot is only 20 acres, there are several fruit trees near the house, we have a vegetable garden and we grow a dozen chickens. We do not plan to expand yet, but even if someday there is a desire to sell what has been grown, this type of activity will not be considered entrepreneurship. According to the law, private household plots are classified as non-commercial activities if members of the same family are employed in it.

How to arrange a personal subsidiary plot

It is possible to open private household plots on a plot purchased or leased, provided that the land plot has the type of permitted use: “For personal subsidiary farming”. It is not necessary to register private household plots as a legal entity - you can grow fruits and vegetables or breed animals and poultry from the moment you receive the right to land.

Accounting for all private household plots in the territory is maintained by the local Department of Land and Property Relations (DISO). To legalize the farm, it is enough to contact the administration of the settlement to enter data about your new farm in the household book.

The following information will be required when registering a farm:

  1. Full name and date of birth of the owner or tenant of the land, as well as data on family members;
  2. The area of ​​the plot and its cadastral number;
  3. The number of animals and (or) birds, the number of hives;
  4. List of agricultural machinery, equipment and vehicles.

If you still do not have a land plot for private household plots, then the situation can be easily corrected.

How to get a land plot for private household plots from the state

In short, in order to obtain a land plot for private household plots, you will have to:

  1. Find an unformed land plot on the public cadastral map of RosReestr;
  2. Order the layout of this land plot (SRZU) on the cadastral plan of the territory. You can order the scheme without leaving your home. To do this, I recommend a service that sends a document ready for rent approval within 1-5 days. The cost is 1990 rubles, the data is official and compiled by a cadastral engineer (License No. 52-11-320) in accordance with Decree No. 762 of the Ministry of Economic Development of Russia.
  3. Contact the administration of the settlement on whose territory the land plot is located with a statement “On approval of the layout of the land plot”. At the same time, indicate your personal data, the area of ​​\u200b\u200bthe newly formed plot and the purpose of the lease - for conducting personal subsidiary plots;
  4. After the approval of the SRZU (up to 30 days) or immediately, submit another application to the head of the Administration: “On preliminary approval of the provision of a land plot”;
  5. In case of a positive answer, go to the cadastral engineer to register a new and already agreed land plot for cadastral registration. The service is paid - from 5 thousand rubles;
  6. When the cadastral passport is on hand, and the boundaries of the land plot you have found will begin to be displayed on the cadastral map, we submit an application: “On the provision of a land plot for rent for a period of 10-49 years”;
  7. We conclude a lease agreement with the Administration and register the transaction with RosReestr through the My Documents MFC.

The layout of the land plot, which I recently ordered through

What is the maximum area of ​​the plot for private household plots

You can organize private household plots on household land or outside the settlement - on a field plot. The size of a land plot is established by local governments on the basis of the norms in force in a particular subject of the Russian Federation. On the plot you can build housing and other buildings. True, in some regions there are restrictions on the development of residential buildings - no more than 10% of the area. It is forbidden to build capital houses on field lands, but it is allowed to install greenhouses, paddocks, sheds, etc.

According to Part 5 of Art. 4 of the Federal Law on private household plots, the area of ​​private household plots is limited - the plot of one subsidiary farm should not be more than 0.5 hectares. Regional authorities have the right to increase the size of the plot by 5 times (for example, for the Leningrad region - this is 0.99 hectares).

If the size of the allotment is more than the maximum allowable (50 acres), the excess part must be alienated. Otherwise, it will be necessary to draw up not a personal subsidiary plot, but an individual entrepreneur or a peasant (farmer) farm. Urban residents can also obtain land using the scheme described above, if there is free land in the selected locality.

Thinking about buying special equipment, I recommend it after signing the lease agreement for the land

How to make money on a personal subsidiary plot

After collecting the documents, you can rightfully begin the development of a subsidiary farm and, if desired, derive income from the sale of products. After receiving a decision from the administration of the settlement confirming that agricultural land has been transferred to you for personal subsidiary farming, you have the right to:

  1. Grow any agricultural crops.
  2. Install greenhouses of any size.
  3. Keep farm animals.
  4. Raise poultry.
  5. Maintain an apiary.

First of all, you should decide on the type of occupation. If you have experience of living in the countryside, there will be no problems with the choice; it is better for urban residents to start with gardening and horticulture or poultry breeding. Make a plan of action and start purchasing planting material, young birds or animals.

You have the right to work your land on your own or with the involvement of relatives of any degree of kinship. Non-relatives may be involved as long as they live with you.

Even with your own hands, you can provide a stable income. Here are some options for profitable activities in private household plots .

Growing vegetables

Vegetables are in demand at any time of the year. If you build a greenhouse and collect even a small crop all year round, the profit will be guaranteed. Small businesses do not need to register.

Pig breeding

You will be able to sell animals live weight or fresh meat. If possible, it is possible to establish the production of sausages or semi-finished meat products, such as cutlets or dumplings. True, this will require confirmed compliance with sanitary standards. You can keep as many pigs as you can place on the allocated plot without violating the rules for keeping pigs in private farms.

Mini poultry farm

How to sell grown products

Products produced in a personal subsidiary plot can be sold legally. To do this, you need to get a certificate from the local administration. This document must indicate that your product was produced in private household plots.

Help may be required for:

  1. transportation of meat, vegetables or other products to the point of sale;
  2. delivering meat to a sausage shop, etc.;
  3. transfer of goods to the point of sale.


As you can see, you will have to get a certificate even for the sale of cabbage

What taxes will you have to pay

Proceeds from the sale of products produced in household plots are not taxed. VAT also does not have to be paid, since this tax applies only to individual entrepreneurs and organizations. The only regular payment is the land tax, approximately 0.3% of the cadastral value of the plot.

Under current legislation, income from the sale of products of animal and vegetable origin is not taxed, however, two conditions must be met for tax exemption:

  1. The area of ​​the land plot should not be more than established by law No. 112-FZ. The allowable size of the plot is 0.5 ha, unless a larger plot is allocated by decision of the local administration.
  2. Personal subsidiary farming is carried out without the involvement of hired workers.

In order to be exempt from taxes, it is necessary to obtain a document confirming that the crop, meat and other products were produced on a plot of area permitted by law. The certificate must be issued by the local administration or the board of the dacha (horticultural) partnership.

However, there are nuances that you should pay attention to:

  • If you decide to produce biohumus, biosoil, etc. on your site. and sell it wholesale or retail, you may be required to pay taxes. Fertilizers are not considered a product of animal husbandry, their production is considered as the result of entrepreneurial activity, and, therefore, is subject to taxation. Also, the legislator does not classify turf and soil mixtures as crop products.
  • To obtain tax exemption, you need a certificate only from the administration of the locality or the board of a non-profit association (horticultural, country). A document issued by another organization is invalid.
  • Only income from the sale of products produced in household plots is exempt from tax. If you manage to get a government subsidy, you will have to pay taxes. Amounts received from the budget for reimbursement of interest on a targeted loan are not taxed, the rest of the subsidy funds are subject to taxation.

How to get a subsidy for household plots

Pursuing a policy of social protection, the state supports poor citizens by allocating funds for their development within the framework of a social contract for the development of personal subsidiary plots. If certain conditions are met (income per family member is less than the subsistence level, a legally allocated land plot and the absence of debts to pay for it, the presence of three or more children), a citizen can apply to the social protection authorities with a request to allocate funds to him for the development of household plots.

The size of the social contract is set by local authorities. Such subsidy can be allocated no more than once every three years and spent on the purchase of:

  1. Pets, poultry, bees or feed;
  2. fertilizers or planting material;
  3. machinery, equipment for cultivating the land and caring for animals.

For its part, the participant of the social contract is obliged:

  1. Develop and submit a plan for the use of allocated funds;
  2. use the allocated money for its intended purpose, without deviating from the plan;
  3. to insure the property acquired with the funds of the social contract;
  4. implement plan activities and provide reports.

How to get a loan for household plots

Any business at the start requires financial investments. If you decide to breed animals or poultry in a subsidiary farm, you will need money to purchase young animals, feed, and build a building. For year-round cultivation of vegetables, a greenhouse is needed, the construction and equipment of which also requires money.

Loans for the development of household plots are issued by the Russian Agricultural Bank, Sberbank and 2-3 more banks with state support and lending programs to farmers. Rosselkhozbank specializes in supporting agricultural producers and offers loans on mutually beneficial terms. A loan for the development of private household plots can be obtained under one of the programs:

  • Under the construction of communications. Loan up to 500 thousand rubles. can be taken at 15.5%.
  • For the development of personal subsidiary farming. Target loan up to 700 thousand rubles. at 14% for repairs, gasification, purchase of animals, feed, fuel, etc.
  • "Reliable partner". The program is designed for regular customers of the bank. If you took a loan and successfully repaid the debt, it is possible to get a new loan at 13.5%.
  • "Gardener". Loans under this program are issued for gasification and repairs. Interest rate - from 16%. Possible loan amount - up to 150,000,000 rubles.

Loan conditions for household plots

The Bank considers applications from citizens of the Russian Federation, regardless of the place of registration. The main terms of the loan for household plots in the Russian Agricultural Bank:

  1. Age from 18 to 60-65 years.
  2. Solvency, confirmed by a certificate of salary or other permanent income.
  3. Availability of collateral.
  4. Guarantee.
  5. Extract from the economic register.

Is it possible to build a residential building on the lands of private household plots

I bought a plot with a built house, but I finished building something on it myself: greenhouses, a bathhouse, a workshop. To avoid misunderstandings with a building permit, I had to deal with the legislation in detail, at the same time I found out whether it was possible to build a house on the lands of private household plots. Briefly about the most important.

A land plot for private household plots can only belong to two categories:

  1. Land for a personal plot within the settlement. On a personal plot of land, you can build a residential building and any other buildings (subject to the rules that are the same for everyone - construction, fire fighting, sanitary and hygienic and others, and you can also produce agricultural products (any: plant plants, breed animals and birds, put an apiary) In a residential building built on a personal plot of land, it is possible to register at the place of residence, and it is also possible to receive a property tax deduction.
  2. Field land for growing crops. On a field plot, you can only produce agricultural products and build non-permanent buildings for this (without a foundation). It is forbidden to build a residential building, and if it is built, it may be obliged to demolish it. Naturally, there is no question of registration in such a house.

How to get a building permit for private household plots

According to the law, construction on private household plots in settlements has no restrictions, but a request to the local administration should still be made, since there are restrictions at the local level. For example, in the Kaliningrad region, no more than 10% of a household plot for household plots is allowed to be built up with residential buildings, but in practice no one observes such a restriction.

Construction may not be allowed if the site, for example, is located outside the boundaries of the settlement or does not adjoin them. If there are no restrictions, then you can build housing and other premises, for example, a garage, a barn, a bathhouse, a greenhouse, a pigsty, etc. At the same time, it is necessary to coordinate actions with town planning regulations regarding this site.

Local authorities are not entitled to refuse to issue a building permit if the conditions and procedure for obtaining it comply with the law. The Town Planning Code provides an exhaustive list of possible grounds for refusing construction, as well as a list of documents for obtaining a permit.

How to register on the lands of private household plots

A house built on the lands of private household plots and put into operation is recognized by law as residential. In such a house, on the basis of an application from the owner in the passport office, one can obtain permanent registration (propiska) in accordance with the Housing Code of the Russian Federation.

Advantages of personal subsidiary farming

  • Ease of organization (LPH does not require legal registration);
  • lack of registration with the tax office and tax reporting (accounting is kept in household books by local authorities based on information provided by the owners);
  • various benefits (exemption from personal income tax under certain conditions, preferential transport tax on equipment, etc.);
  • the possibility of an independent decision on pension insurance (the owner of private household plots decides whether to pay contributions to the pension fund).

Cons of personal subsidiary farming

  • Restrictions on the area of ​​land for private household plots. The size of the plot cannot be more than 0.5 hectares, although the local administration has the right to decide on a five-fold expansion of the allotment.
  • the state does not support private household plots by providing preferential loans and subsidies:
  • certain types of activities subject to certification are prohibited, and declarations of conformity are not issued.

Commercial breeding of cattle on the plot under private household plots will be problematic

conclusions

Thanks to the import substitution program, private household plots have received a new round of development. Farming is now done not only by rural residents, but also by part of the urban and even the oligarchy. For example, the former mayor of Moscow, Yuri Lushkov, also took up agriculture - he grows buckwheat in the Kaliningrad region.

In the first half of this year, the volume of agricultural production in Russia grew by 3%, with a general decline in GDP. Facts and figures create a favorable background for lowering interest rates on loans and guaranteeing demand for household products in the future.

Is it necessary to develop a personal subsidiary plot (PSP), but there are no free funds for investment? It is not necessary to take “expensive” cash loans - there are bank lending options, moreover, designed specifically for owners of household plots.

The fact is that the state, through specialized banks, implements state support measures for this industry. In this article, we will talk about a special product of the Russian Agricultural Bank, which is called “Credit for the development of personal subsidiary plots”

Basic goals

A loan with state support can be obtained for up to two or up to five years - it all depends on the purpose of raising funds.

Loans for a period of up to two years are provided for the conduct of current activities, while the duration of the technological cycle of production of specific types of agricultural products is assessed without fail. The list of credited activities under this subprogram consists of 7 items, which list the options in sufficient detail.

For example:

Purchase of fuel and other materials for agricultural machinery, as well as spare parts, payment for current repairs;

Purchase of seeds, seedlings, fertilizers, young livestock;

Acquisition of agricultural equipment, containers;

Acquisition of materials for the construction, reconstruction and repair of fences and fences;

Current expenses of a seasonal nature.

Longer-term loans - for up to five years - are provided for investment purposes, the list of which is also described in sufficient detail in 24 paragraphs, including:

Acquisition of buildings, structures, as well as their overhaul;

Purchase of agricultural machinery and units with engine power from 100 horsepower (or weighing from 3.5 tons), including the cost of delivery, installation, adjustment, insurance;

Acquisition of gas equipment with payment for relevant design and connection services;

Other expenses that may be classified as capital expenditures.

Non-standard goals

It turns out that funds can be obtained not only for “purely” agricultural needs, but also for purposes not directly related to work on the ground. This includes the development of tourism and folk crafts, the organization of trade and cultural services for the inhabitants of agricultural areas.

If, nevertheless, your goals do not coincide with the above, then Rosselkhozbank offers to consider specialized loans "Gardener" and "Engineering Communications". The latter program allows you to receive money for the construction of water supply, gas pipelines, sewerage, telephone, Internet and other networks. The rate on such a loan is quite democratic - from 21% per annum.

For the development of the economy

The first notable feature of this loan is the opportunity to get the so-called vacation, that is, a deferment to repay the principal debt. For loans granted for two years, the first year you can pay only interest, and only then begin to pay the principal. For investment loans (for a period of up to five years), you can get a deferral of payment of the principal debt for up to two years.

The interest rate on the loan is subsidized by the state and starts from 14.9% per annum (for reliable clients) and from 16.5% in other cases, while the life and health of the borrower are necessarily insured. If you refuse this, then you will be set a rate, as for a simple cash loan.

If, when comparing loan conditions, we focus only on the rate, then the program for the development of household plots in the Russian Agricultural Bank has one of the minimum rates on the market. So, the rates start from 15.5% per annum. In Sberbank, a simple demand without collateral is issued at a rate of 15.9% per annum, and with a guarantee of individuals - from 14.9% per annum. In VTB24, the rate for similar products is 17% per annum.

More or less similar to the product of Rosselkhozbank, a specialized loan is offered by Sberbank. We are talking about "Credit to individuals leading a personal subsidiary plot." The interest rate on it is clearly 21% per annum, but the maximum loan amount is limited to 700,000 rubles.

The maximum loan amount is calculated individually for each borrower and is limited, in fact, only by the client's solvency and the security that he can provide. With a loan amount of up to 300,000 rubles, a guarantee of at least one individual is required. And with the desired loan from 300,000 to 700,000, a guarantee is already required by two people. Although the pledge of property of private household plots (equipment, structures, land plots, etc.) is also allowed.

Requirements for borrowers

A loan for the development of household plots from the Russian Agricultural Bank is provided to citizens of the Russian Federation under the age of 65 (at the time of the expiration of the contract). An additional "mitigation" of this requirement is the involvement of a co-borrower under the age of 60 years.

The second prerequisite is that the loan is granted only to the owner of a personal subsidiary farm, which must be confirmed by relevant documents.

So, in order to receive the necessary funds, in addition to the passport, you need a certificate of ownership of the land, as well as an extract from the household book.

Rosselkhozbank is one of the most demanded and popular banks that provides various types and forms of lending to citizens for targeted and non-targeted needs. You can also take it, but this type of lending requires completely different conditions. For the development of personal subsidiary plots, Rosselkhozbank is also ready to issue a loan with state support at a low interest rate.

Loan for the development of personal subsidiary farming

In order to open your own business, you need to find or come up with an original business idea and find out. Either will do. Any, can also be easily adapted to local conditions, for example, or. But in order to get a loan for the development of a personal subsidiary plot in the Russian Agricultural Bank, it is necessary that your idea for a private household plot fits one of the following categories of expenses:

  • Purchase of fuels and lubricants;
  • Acquisition of young animals of agriculture;
  • Acquisition of means of protection and mineral fertilizers for agricultural plants;
  • payment of electricity;
  • Payment of rent for land and premises required in your household plot;
  • Purchase of building materials;
  • Various seasonal expenses and expenses.

A loan for these expenses is provided for up to 2 years, but you can get a loan for up to 5 years if you plan larger expenses:

  • Acquisition of adult farm animals;
  • Repair and construction of livestock buildings and pens;
  • Acquisition of agricultural equipment for animal husbandry;
  • Purchase of equipment for connecting gas installations;
  • Purchase of land plots for various needs of agriculture for personal use;
  • Other average costs.

You can get a loan from the Russian Agricultural Bank not only for the development of agriculture. If a citizen of the Russian Federation lives in a rural area, then he can receive money for up to 5 years and for the following types of business:

  • Tourism development;
  • Development of folk crafts;
  • Development of trade;
  • Consumer services for rural residents;
  • Preparation of various fruits and berries, herbs and medicinal plants.

The acquisition of large agricultural machinery is also possible with the help of credit money from the Russian Agricultural Bank, issued for up to 5 years:

  • Cars, dump trucks and others (weighing no more than 3.5 tons);
  • Tractors up to 100 horsepower;
  • Irrigation equipment;
  • Tractor trailers;
  • Agricultural processing equipment.

Advice: Before taking out any kind of loan, draw up a business plan for running your subsidiary farm, as well as a list of necessary expenses. In addition, the subsequent maintenance of statistics of expenses and incomes will be useful. So you will facilitate the process of obtaining the required loan amount with convenient repayment terms, get a more objective picture of managing your private household plot and you will always be aware of how much money has been spent and how much more is needed for certain needs.

Loan for the development of personal subsidiary plots in the Russian Agricultural Bank - conditions

For the most reliable and regular customers, Rosselkhozbank offers very favorable conditions, but even on general terms, the borrower can count on a cash loan with a minimum period of 3 months and a maximum amount of 1 million rubles (for reliable customers, the amount increases by 500 thousand rubles). In addition, it is necessary to comply with some collateral for the loan, namely the guarantee of at least one individual and at least one legal entity. Plus, if you want to purchase equipment, you may need a pledge of property. In this case, the bank can combine these conditions at its discretion.

How to get a loan from the Russian Agricultural Bank for private household plots?

So, in order to get a loan from the Russian Agricultural Bank for the development of personal subsidiary plots, it is enough to have a business idea, determine your expenses so that they fit one of the categories above, and also provide at least two guarantors.

Primary requirements

The borrower must be at least 23 years old and have the citizenship of the Russian Federation. The maximum age of the borrower is 75 years at the time of loan repayment and 65 years for the guarantor. The length of service varies depending on the employment of the borrower. If he is a client receiving wages to the account of the Russian Agricultural Bank, his work experience must be at least 3 months at the last place of work, for other clients - at least 6. A potential borrower must have at least 12 months of experience, leading a personal subsidiary plot with entries in the household book of local governments.

The procedure for granting a loan

In order to receive the required loan amount in your hands, you will need to visit the bank office with a certain package of documents and write an application. The application is considered by the bank within 5 working days, and after approval, the potential borrower has a period of 45 days to process the loan. The bank transfers the loan money to the account of the borrower, who will have to make differentiated or annuity payments monthly (only for an unsubsidized loan). The Bank provides the possibility of full or partial early repayment.

Required package of documents

If you paid for goods and services by bank transfer, then within 90 calendar days from the date of receipt of the loan, you must provide the bank with the original documents, invoices and invoices, and in case of cash payment - the original checks certified by a seal. Within the same period, it is necessary to provide documents for the purchase of goods and services privately from individuals.

When purchasing equipment, within 75 calendar days it will be necessary to provide a vehicle passport, an act of its transfer, a document on registration of the right of pledge in Gostekhnadzor.

When connecting gas equipment within 180 calendar days, you will need to provide documents on expenses and a certificate of ownership of the dwelling.

In addition, an additional set of documents may be required confirming the conduct or termination of activities in agriculture as an individual entrepreneur - the head of a peasant farm (KFH).

In addition to the list, you need to provide a passport, an application form for a loan, an extract on economic activity and a certificate of income.

Interest rates

If you are getting a loan for up to 12 months for the first time, your interest rate will be from 16.5%. If you fall into the category of reliable customers, you can count on a rate of 14.9%. For a period of 12 to 60 months, there is an offer at a rate of 16.5% for new customers and 15.5% for reliable ones. If you violate the conditions for providing documents confirming the target direction of the loan, Rosselkhozbank may increase the interest rate by 2.5%. If you refuse to insure life and health in accordance with the conditions for granting a loan for household plots and the conditions of the insurance company, you should expect an automatic increase in the interest rate by 4.5-5%.

Advice: very often, clients tend to refuse life and health insurance when applying for a loan, and in some ways they turn out to be right. After all, often even with all the commissions and increases in the loan rate, the borrower's payments are expected to be less than with insurance payments. However, if you plan to repay your loan ahead of schedule, it is better to agree to insurance, because in case of early repayment, the money for it can be returned by submitting a written application to the insurance company.

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The government of the Russian Federation today is trying in every possible way to support rural residents and the development of agriculture. In particular, the state is ready to subsidize part of the loan for the development of personal subsidiary plots of any Russian citizen living in rural areas and ready to seriously take up this type of activity. At the same time, Rosselkhozbank offers a loan for the development of private household plots on favorable terms, a relatively small package of documents, a favorable interest rate and a loan term of up to 5 years.

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What to do if there is an urgent need to develop your personal subsidiary plot, but at the same time there is no necessary money? It is not at all necessary to take out cash loans at huge interest rates - there are other lending options that were specially developed for owners of household plots.

Now the state is actively implementing various measures to support agriculture through specialized banks. In this article, we will try to tell in detail about the special service "Credit for the development of personal subsidiary plots."

Main purposes of lending

Such a cash loan with state support can be taken for periods of up to 2 or up to 5 years - it all depends on the purpose for which the funds are needed. Loans up to 2 years are issued to support current activities. Be sure to estimate the approximate duration of the cycle of production of specific agricultural products. In the description of this program, there are 22 points that indicate in detail all the types of credited activities, for example:

  • Purchase of fuel and other necessary materials for agricultural equipment, as well as the purchase of spare parts and payment for repairs
  • Purchase of basic inputs that are necessary for agricultural activities - seeds, seedlings, fertilizers and young livestock
  • Acquisition of agricultural implements and containers
  • Necessary seasonal expenses

Longer loans (up to 5 years) are issued if it is necessary to make investments, the entire list of which is also listed in detail, but already in the form of 24 points, including:

  • Purchase of necessary buildings/structures, overhaul
  • Purchase of equipment and various units with an engine power of over 100 hp, or weighing more than 3.5 tons. The price also includes all costs for the delivery, installation and commissioning of equipment, its insurance.
  • Acquisition of gas-fueled equipment, taking into account the cost of delivery, connection and design
  • Other types of expenses that can be regarded as capital expenditures

Non-standard lending purposes

It turns out that now the loan is issued not only for needs in the agricultural sector. Money can also be obtained for purposes that are practically not related to any work on the ground at all. This refers to plans for the development of tourism and various folk crafts, the organization of systems of cultural and commercial services for people who live in an agricultural region.

Among other things, Rosselkhozbank offers its clients to consider special services, for example, the Gardener loan, as well as Engineering Communications. Credit "IK" allows you to quickly receive funds that are necessary for the work on laying pipes (water, gas, sewerage), as well as various networks - telephone, Internet, etc. The rate on "Engineering communications" does not bite at all - it starts with a figure of 17.25% per annum, and if insurance was also issued - 15.5%. If the client takes a loan for gasification, then the interest starts from 13.75% without insurance, and with it - 12% and more.

Loans for the development of household plots

Such a loan has many advantages. Its first plus is the opportunity to get a deferment to repay the debt, which is also called credit holidays. If you receive a loan for two years, then in the first year you can pay only interest, and in the second - start paying off the principal. If we are talking about investment loans that are issued for a longer period (up to 5 years), then the principal amount can be paid two years after receiving the loan.

The interest on the loan starts at 14%, while the health and life of the borrower must be insured. If you refuse insurance, you will have to pay interest as on a regular cash loan (in general, you will have to pay more).

I would like to note that in Rosselkhozbank currently one of the lowest interest rates in the entire market. A simple comparison: a regular consumer loan in this bank is issued at a rate of 23.75% per annum, which is almost twice as much. Sberbank requires its customers to pay annual interest on the loan in the amount of 21.5%, and with the guarantee of physical. persons, this amount is reduced by only 1%, total - 20.5%. VTB24 sets 18% per annum for the same services.

Something like a service Rosselkhozbank provided by Sberbank. This refers to a special "Credit to individuals leading a personal subsidiary plot." This bank sets a fixed interest rate of 14%. However, at the same time, he limits the maximum loan amount to a "bar" of 700 thousand rubles.

The maximum amount of a possible loan is not a general figure - it is calculated individually for each specific borrower. In fact, it is limited only by the ability of a person to pay interest and debt, and also depends on the security that he can provide.

To get a loan in the amount of up to 300,000 rubles, you will need a guarantee from one individual, but if we are talking about the amount of 300-700 thousand rubles, then you will have to provide the bank with two guarantors. If there are no guarantors, then you can pledge the property of private household plots (agricultural machinery, various agricultural-type structures, land, etc.) in the bank.

The main requirements for borrowers in Rosselkhozbank

The bank issues funds for the development of private household plots only to citizens of the Russian Federation under the age of 65 (at the same time, the borrower must not be 65 at the time the contract expires). This rule is not strict - it can be relaxed if one borrower attracts a co-borrower under the age of 60 to the loan.

The second very important condition is credit funds. Rosselkhozbank issued exclusively to owners of household plots, which must be confirmed by special documents. Thus, in order to get a loan, it is necessary to have, in addition to a passport, also a certificate proving the ownership of a piece of land and an extract from the household book.