A profitable program - a loan for a private household plots at Rosselkhozbank, conditions and interest rate in 2019 is the best option for citizens who are engaged in individual farming. It is for such customers that profitable offers with reduced rates are intended.
Loans of such a plan are given for a period of two to five years on average. The main purposes of obtaining funds are different. This is the purchase of fuels and lubricants and materials, various fertilizers, farm animals. The funds are used for the construction and renovation of modern livestock buildings from scratch.
Quite often, a loan for private household plots in Rosselkhozbank in 2019 is targeted with a subsidy, it turns out to be useful for the purchase of cars, a variety of equipment for the creation and processing of agricultural products. Funds for achieving all of the listed goals can be issued under the following conditions:
- Loan currency - rubles.
- The minimum loan period is at least 3 months.
- The maximum reaches 1 million rubles, for regular customers the loan amount is 1.5 million.
- No extra commission is charged for processing a loan.
The processing time for a loan application is on average 5 days. After preliminary approval, funds can be received within 45 days. The procedure for transferring money looks like a one-time transfer of the amount of the issued loan. The loan received is repaid monthly, through differentiated or annuity payments.
Loan security deserves special attention. As a rule, a surety is required in the amount of at least one person, and a legal entity can also act as a surety. Liquid personal valuable property is accepted as a pledge. In the process of lending for machinery or various equipment, the purchase itself can be used as collateral.
Interest rates
Loans aimed at agriculture can be obtained at fairly attractive interest rates. A more accurate percentage depends in its mass on the term of the loan:
| Up to 12 months | From 13% |
| 12 to 60 months | from 15.5% |
These are approximate percentages, since the exact charges are determined when considering each individual case. Approximately 2% more can be obtained if the client violates the conditions for the documents provided. If the applicant refuses to take out insurance, the percentage can be increased by 6 units. The interest rate per unit decreases when serving regular borrowers of a bank with an ideal credit history.
Requirements
The financial institution has set specific requirements. A loan for the development of one's own agricultural business on profitable terms can be obtained if the following requirements are met:
- The minimum age of the borrower is 23 years, the maximum is 65 years;
- Citizenship of the Russian Federation is required;
- Registration in the Russian Federation on a permanent basis is important;
- Employees pay special attention to work experience for the last 5 years. For ordinary individuals - at least six months, for pensioners or salary clients - cooperation with the bank for at least one year. The household book is also taken into account - official entries in it must be made at least a year in advance.
When applying for a loan, when determining the amount, the bank will take into account the profit from the main activity, from the profit received in the process of engaging in private profitable practice, the availability of pension payments and other options for generating income.
The documents
In the process of applying for a loan for the development of a general and private agricultural business or individual entrepreneurship, it is worth submitting not only personal documents - a passport, SNILS and certificates confirming income, but also special documents for the equipment being drawn up or construction activities. This includes such papers and certificates as:
- Accounts;
- Various textures;
- Payments and invoices;
- Standard sales receipts;
- Receipt cash orders received in stores;
- Seller's receipts and acts of acceptance and transfer of personal or acquired property;
- Acts of acceptance of transfer of equipment or technology;
- Official certificates of ownership of housing or real estate, as well as a mark in the USRIP.
All of the above papers and certificates for a loan for the development of private household plots in the Rosselkhozbank must be provided exclusively in the original. As for the exact list, it directly depends on each individual case separately. Bank employees consider the situation, the purpose of the funds, the documents provided, as well as the requirements that the applicant meets.
How to get a loan?
You can get a loan from a private household plots at Rosselkhozbank in 2019 using different methods. To do this, you can visit one of the bank's offices, you can apply for a loan online. When registering, an application is filled in in the form of a questionnaire and the necessary documents are provided.
Employees of the organization make decisions on the issuance of a loan and on interest rates rather quickly. If a positive decision was made during the registration process, the client is provided with a scheme with the amount of payments and the frequency of their payment.
After the issuance of credit funds, the applicant will be required to repay the debt as timely and strictly on time as possible. You can make payments using different methods. Here are the most basic ones:
- Depositing money directly to the cashier of the office branch.
- The use of cards that were previously attached to the issued invoice of the client of the company.
- Crediting funds at the cash desk without using a card, but with the designation of the details of the main payment documents.
- Cashless options for transferring funds from another client account, previously opened at the institution.
You can always pay off the contribution using the accounts of other financial institutions. It should be remembered that when making such transfers, a certain commission may be charged, which will make the programs of Rosselkhozbank not very profitable for private household plots, the official website in this case provides complete information.
Service
For the illiterate fulfillment of the obligations imposed on a formalized loan for the development of a personal subsidiary farm at Rosselkhozbank related to the repayment of the loan. Borrowers charge a forfeit for missing payments. Penalty interest is charged for each day of delay. If the borrower does not pay the loan and does not pay the forfeit, the case of the violation of obligations is brought to court and considered in strict accordance with the established modern legislation.
Summing up
The RSHB has the opportunity to obtain a loan for agriculture with state support. On the site you can study the conditions for such lending with a subsidy, it is possible to find out how to get preferential services.
If you are interested in the interest rate for individuals and legal entities, you should use a special calculator. With its help, you can calculate the amount, grace period, and then issue a loan.
