Loans from the state for the development of agriculture. Applying for a loan for the development of agriculture in Rosselkhozbank

As a result of urbanization, there are few young people left in the countryside, able-bodied population. Life in the village stops. For a long time, this problem was ignored by the state.

And now the government has decided to rectify the situation and return people to the village. Measures are being developed to encourage Russians to move to countryside and work there.

Contributes to this and the program of concessional lending Agriculture.

Types of agricultural or "rural" credit

To perform seasonal agricultural work or to meet the current needs of farmers a preferential agricultural loan is offered, outstanding for 2 years.

Such a rural loan can be used to purchase seed (exclusively domestic), spare parts and materials for agricultural machinery, fuels and lubricants, fertilizers, livestock feed, young animals.

Another option for a loan for a rural business is an investment loan. It is issued only to novice farmers.

The purpose of such a loan- this is the purchase of agricultural machinery (also only from Russian manufacturers), Vehicle and livestock of elite livestock. It is issued for 3-5 years.

How to get a loan for (under) agriculture

Rural credit is provided exclusively to enterprises operating in the relevant field, as well as consumer cooperatives. Such institutions must necessarily have an administration building, which is equipped with communication facilities. The number of the team should not be less than 5 people, and 2 of them should have the status of legal entities.

Required condition is the availability of education for employees of such enterprises, corresponding to the profile of activity. Naturally, the recipients of the loan must be of working age.

If a company plans to receive an investment loan, then it need to create reserve fund, which is at least 10% of general fund shareholders.

And the fund of shareholders must be formed exclusively from their personal funds. The size of the fund cannot exceed the size net assets cooperative.

To apply for a loan, a representative of the company must personally appear at the bank, where you will need to fill out a questionnaire developed by the bank. After that, you will need to collect and submit to the bank a package of documents necessary for obtaining a loan.

The rural loan rate usually fluctuates between 14-17%. The loan amount is agreed with the bank depending on the goals, at least 300 thousand rubles.

Also, the bank may require farmers to have a business plan. Therefore, it will be necessary to take care of its compilation in advance. The business plan must confirm that the enterprise will be profitable. Also, in order to successfully obtain a loan, you need to take care of the availability of the enterprise own funds. They must be at least a quarter of the cost of the entire project.

If we are talking about a large amount of agricultural credit, the bank may require the pledge of real estate or equipment, as well as the presence of guarantors. You will need to submit an application to the local administration and provide an extract from the business book.

Consideration that the bank may limit the period of use of credit funds (usually 3 months). After its expiration, it will be necessary to provide the lender with documents confirming the intended use of funds.

Recently, banks offer their customers more and more new types of loans. Most of the Russian population uses banking products. They are especially actively used by private entrepreneurs and businessmen. After all, any own business requires investments, both at the initial stage and at the stages of development.

One of the developing and, perhaps, the most important, is or the development of their own farming. This type of loan can be attributed to business financing, but it is much easier to get it, and lending conditions in this case are more favorable. Raising livestock, growing fodder crops and the like is a very important and profitable area of ​​activity. A person, even without the status of an entrepreneur, can engage in small-scale farming and earn quite a lot of money on it.

But a loan for the development of agriculture can only be received by Self employed having all the necessary documents for doing business in this area. Otherwise, ordinary ones can serve as additional funding. Since financing under a special program aimed at the development of agriculture is much cheaper for borrowers, such people still prefer to register an individual entrepreneur.

To date, many banks have their own well-developed agricultural lending programs and, although such programs have appeared not so long ago, they managed to take their strong positions in the market for providing banking services. And this is not at all surprising, since agriculture has been an integral part of the economy for many years. Russian economy which ensures its active development and is responsible for food security.

That's why banking structures together with the state, they provide effective support to their clients who wish to receive a loan for business development in the agricultural sector.

What is an agricultural loan? There are preferential agricultural loans that can be issued for two years to perform seasonal work and to meet current farm needs. This loan can be spent on the purchase of planting material, but only domestic, also on the purchase of spare parts and other material for the repair of units and machines that are used when performing work on the ground and not only. In addition, credit funds can be used for the purchase of fuels and lubricants, for the purchase of food for animals and birds, for fertilizers, for the purchase of young livestock, as well as for the purchase of veterinary drugs.

In addition to soft loans, you can get an investment agricultural loan. Such a loan can be obtained by a novice farmer. The funds received can be used to purchase the necessary equipment and machinery for work. It is also worth considering that all purchases should be made only from a domestic manufacturer. In addition, an investment loan can be spent on the purchase of elite livestock or vehicles. You can get such a loan for a period of three to five years, it all depends on the size sum of money and the purpose of the loan itself.

How to get a loan for agriculture?

Agriculture;

liquid property;

Fixed income;

Guarantor (if necessary);

All necessary documents for doing business.

You should immediately decide what amount is needed if the borrower decides to take a loan for the opening and further development of a personal farm. For owners of subsidiary plots, many banks are ready to provide a loan for up to five years, and for owners of farms or an agricultural cooperative, a loan for up to eight years is provided.

If a loan is issued by a borrower of retirement age, then he must provide a guarantor, in the role of which one of his relatives should act, who will help him run a subsidiary farm.

When applying to a bank for a loan, the borrower must present:

An extract from the sheet and the household book;

Your passport and the passport of the guarantor.

In addition, the borrower should immediately prepare documents confirming his income. This can be a certificate in the form of 2-NDFL, taken from the organization in which the borrower works, or the result of profit from running your own business. If the borrower is a pensioner, then a certificate from pension fund about receiving a pension.

The guarantee depends on the amount needed for farming. In some cases, you can get by with collateral for a loan, which can be the liquid property of the borrower. If the borrower needs an amount from 100,000 to 300,000 rubles, then he will need to provide one guarantor, if an amount more than 300,000 rubles is required, then not one, but two guarantors must be provided.

In Russia, the agricultural sector has long received insufficient attention. Only recently the government has decided to provide more support to this area, seeking to increase agricultural production.

To solve current problems, the state has taken several decisions aimed at stimulating the revival of this segment of the country's industry.

New programs should provide support to domestic farmers, they are aimed at strengthening their activities. Concessional lending to agriculture is one of the most effective tools for implementing these programs.

There are several types of soft loans. Some loans can be issued for 1-2 years to provide seasonal events. Others are designed for longer periods (up to 5 years) for various needs of agriculture.

Such lending is considered targeted and is issued for the purchase of the necessary equipment, machinery, feed, fertilizers, seedlings, farm animals, etc.

Banks are ready to provide more loyal conditions for novice farmers - investment loans issued for long periods.

Preferential loans for agriculture are divided into 4 types:

• On the bail of technology.
• For the development of personal subsidiary plots (LPS).
• Under the area of ​​land for agricultural purposes.
• Harvest loan.

To gain access to concessional lending, the borrower must have the status of a small or medium-sized business. The condition of many banks is a down payment of about 20% of the loan amount. Sometimes they require 10%, but no less.

An enterprise involved in agriculture or a consumer cooperative can apply for this type of loan. Loan approval is possible for firms with at least 5 qualified employees and administration.

The owner of a personal subsidiary farm can also count on a preferential loan. But in such cases, the return period is not long (up to 2 years).

The size of the loan to farmers depends on their income, usually lenders issue up to 300 thousand rubles in such cases. It is often practiced to pay the loan amount in installments, depending on the seasonality of the work.

Real estate and movable property can act as collateral for a private person. In the role of the guarantor (if necessary) may be an individual or legal entity.

If the loan amount is small (up to 50 thousand rubles), no collateral is required, especially if the owner of the private household plot has recommendations from the local administration.

Banks engaged in preferential lending to agriculture in Russia:

• Rosselkhozbank is a specialized lender and offers farmers the most profitable terms currently. The Bank issues loans for all needs of the agricultural industry: for equipment, workers, livestock, etc. The owner of private household plots in Rosselkhozbank can get a loan at 14% per annum.
• Agroros provides loans secured by agricultural land on preferential terms. For 1 year - at 14% per annum, for a longer period - at 15%.
• Sberbank provides representatives of agriculture with a loan secured by the future harvest. The loan period is 1 year. The purpose of the loan is to purchase machinery, seeds, fertilizers or carry out planned seasonal work.
• Binbank has a Business Season program designed specifically for farmers. The annual rate on it is 14%.
• AK Bars Bank lends money for a period of 2 to 5 years, depending on the goals of the agricultural business. The rate is 14%, the loan amount is up to 700 thousand rubles.

Target programs for Russian farmers are distinguished by more loyal conditions and a reduced rate for using a loan.

Preferential lending to agriculture - simple and profitable way development not only for large agricultural enterprises, but for owners of small farms.

Agricultural lending is currently enjoying a huge polarity in Russian Federation, since rural production received minimal support from the state for many years, and besides, they themselves banking organizations not very promptly helped with credit financing in order to develop small and medium-sized agricultural businesses.

At the same time, preferential programs have appeared this year that allow some citizens to take their personal subsidiary farming to a new level. They are low interest rates and are characterized by the nuances of registration, the terms of transactions.

About which banks in Russia are ready to issue money to support farming, about their requirements and required documents etc. later in the material.

Features of loans for farmers. In which financial institution can I apply for a loan for private household plots?

With the aim of taking farming and other rural industries to the next level, Russian state decided to provide significant credit support to domestic organizations.

In order for them to be able to cultivate their land, buy new technical equipment, grow poultry or fish, many e banks are ready to provide concessional loan financing for the implementation of agricultural plans.

A number of organizations practicing lending for targeted and non-targeted purposes for household plots include:

• Rosselkhozbank;
• VTB;
• Agroros;
• Binbank and others.

Both individuals and legal entities who are advised to prepare a business plan in advance on a relevant agricultural idea, with approximate costs and profits, in order to increase their chances of receiving money after applying for a loan.

It is worth noting that a loan for the development of agriculture can be of several types:

• collateral (pledge of equipment);
• pledge of harvest (seasonal);
• for the development of household plots;
• a loan secured by land under crops.

Rosselkhozbank and Sberbank of Russia are considered to be the most focused on investing in farm enterprises. Other financial institutions offer less loyal lending conditions, with higher interest rates, but with impressive loan amounts.

For example, VTB Bank is ready to support both small-scale farmers and large entrepreneurs who need their own office. The organization requires borrowers to pay initial capital in the amount of a quarter of the desired amount, or they are invited to pledge their own transport.

Here, not just one-time lending is practiced, but entire loan lines. Consumers applying for the purpose of making investments to support the economy can take amounts from 850 thousand rubles, for up to 5 years. The interest rate in this case varies around 15% per annum.

How to get a loan from Sberbank for the development of agriculture?

Sberbank is considered an active assistant to beginner and needy farmers. Its management apparatus provides for several lending programs for the development of agriculture, these are leasing of special equipment, loans secured by a future harvest, for livestock breeders, etc.

Citizens over the age of 21 can receive borrowed funds at the branches of this financial representative. For the older generation, the age at the time of the last payment must not exceed 75 years.

For example, loans secured by a future harvest at Sberbank are not issued to small entrepreneurs; the preferred service group is representatives of medium and big business. According to the programs of the lender, money is issued to ensure seasonal, sowing work in the field of crop production.

It is important for the bank that the borrower is personally the owner of the enterprise for which the loan is issued. Under the terms of the institution, the client has the opportunity to involve co-borrowers in the business, the main thing is that they are solvent, have a good official income.

This maneuver will allow you to get the opportunity to design greater amount in debt, for a period of 3 months to 5 years. It should be noted that the bank does not charge a commission for granting a loan.

After signing the application, the decision on the loan is made to the user within two business days. As a rule, the annual interest rate in this area varies around 17%.

The necessary package of documents for lending to private household plots in Sberbank!

Lending to agriculture in the Sberbank of the Russian Federation is available to citizens who have a registration mark. But it is equally important to note that requests from clients with temporary registration are also being considered.

Users undertake to add passport data to the loan application, as well as an extract from the household book, which must confirm the registration of a personal subsidiary plot for the borrower.

A consumer who wants to receive money undertakes to notify bank employees about his work activity, officially confirming his annual, seasonal income.

In the case of registration of documents for the pledge of property, existing transport, the bank requires documents on the availability of valid insurance, technical data sheets etc. A number of features of loans for the development of private household plots include the requirements for the provision of paper recommendations from the city or village administration.

For pensioners prerequisite the provision of a certificate with the specified amount of the pension benefit is considered. As for the loan guarantee, Sberbank includes this nuance in agreements with clients who wish to receive more than 300,000 rubles.

Funds for the improvement of agriculture must go to the intended purpose, according to the conditions, the client must submit a confirmation of expenses within 3 months. Investment loans from this financial organization should be supported by a forward-looking business plan.

Terms of lending for the development of agriculture in the Russian Agricultural Bank!

One of the most popular banks in the Russian Federation is Rosselkhozbank , which is actively moving in the field of lending to farm organizations. Customer service in this representative is carried out by the most loyal state programs, about characterized by low interest rates.

Unlike Sberbank, loans for the development of private household plots can be issued by clients whose age has reached 23, but next to this, the age of pensioners at the time of debt repayment should not exceed 75 years. Both new and established clients can count on services under agricultural programs.

The minimum period of use of monetary resources is three months, while new users available amount can be 1,000,000 rubles, and for permanent, with good advice, the loan amount is increased by 500,000 rubles.

To become an owner borrowed money a citizen needs to submit an application form to the bank and supplement it with the relevant documents: passport, employment statement, income statement, etc.

Not less than important conditions the financial representative is considered to be the presence of surety persons, whose age should not exceed 65 years. If the client plans to purchase equipment on credit, then he will most likely have to mortgage the property.

You can call the combination credit conditions, that is, each application is considered individually and signed on mutually beneficial agreements. Accepted requests are considered by the employees of the departments for quite a long time, about 5 days, after which the client receives a notification of the decision.

If the answer is yes, the application remains valid for 45 days, during which the borrower must come to the bank to sign the general agreement, set the monthly payment, etc. Given financial institution allows its user to repay the loan for household plots ahead of schedule, both partially and in full.

IN without fail the lender requires confirmation of the intended use of funds, if for some reason the client does not fulfill this condition, the interest rate on the loan, set initially, may automatically increase by 2.5% or even more.

It is worth noting that beginners can count on an annual percentage of 16.5%, for reliable partners it is much lower, about 14.9%. Also, users are offered to take out an insurance policy.

On the one hand, these are additional costs, monthly commissions, etc., but on the other hand, if the client has insurance and repays the debt ahead of schedule, then he has all the rights to return a certain amount of money.

One of the main requirements for the borrower from Rosselkhozbank can be called the provision of an extract from the household book of local governments, it is important that his experience exceeds one year.

The purpose of the loan to support household plots in the Russian Agricultural Bank!

In order to receive money for targeted and non-targeted expenses for the development of farming, it is necessary to correctly, document the business idea, draw up a detailed plan for it, calculate costs and assume income.

It doesn't have to be a grain farm, it can be a small poultry farm, broiler farming, American standards, beekeeping, etc., it is important that the desired farming enterprise is included in the list of specially designated categories.

For a period of 24 months, you will be offered a loan for the following purposes:

• repayment of debt for electricity;
• for the purchase of young livestock of farm animals;
• for the purchase of building resources;
• purchase of land fertilizers, sowing crops, etc.;
• repayment of debt for lease use of land plots, etc.

Borrowed funds for a period of 5 years are issued in order to cover more significant expenses:

• financing the purchase of adult livestock of farm animals;
• repair of farms, livestock buildings;
• acquisition of new equipment to provide a livestock enterprise;
• acquisition of own land plots etc.

Credit money that is allocated for the improvement of household plots can also be turned into purchase of equipment: etc. Their intended purpose may also be the acquisition of an irrigation system for land areas, etc.

Based on the above, we can say that the state seeks to support beginner and old farmers with the help of favorable loan financing.

Which is offered by the country's popular banks, along with the required minimum package of documents and loyal interest rates for servicing programs, the main thing is that the consumer's intentions are correctly translated into an officially drawn up business plan.

Since the beginning of 2017, the Decree of the Government of December 29, 2016 No. 1528 came into force. According to it, banks began to issue preferential loans to Russian farmers at 5% per annum. Lost funds credit institutions replenish the state.

List of 10 banks participating in the program for this year The Central Bank approved in September. It includes: Sberbank, VTB, Rosselkhozbank, Gazprombank, FC Otkritie, UniCredit Bank, Raiffeisenbank, Promsvyazbank, Alfa-Bank and Rosbank. At the initiative of the Association of Peasant (Farm) Farms, paragraph 6 of this Decree provides for directing at least 20% of funds for lending to small businesses. Rynok APK talked to experts and the first borrowers to tell them how to get a loan.

How to get a loan for agricultural development?

The greatest demand among farmers is for loans for seasonal work (purchase of fuels and lubricants, spare parts, veterinary drugs, young farm animals) and the purchase of agricultural equipment. In order to successfully harvest winter crops, the head of the peasant farm of the Zhirnovsky district of the Volgograd region, Svetlana Lomakina, decided to purchase a third combine.

For a small agricultural enterprise, like ours, loans at 15% were sometimes unaffordable, - says Svetlana, - A new subsidized form of lending made it possible to purchase equipment, and we are confident that we will be able to repay the loan ahead of schedule.

The farmer applied for a loan back in November last year. Bank employees helped to collect the papers. The package for obtaining a preferential loan includes constituent documents, a financial block, as well as certificates from servicing banks and the Federal Tax Service.

IN founding documents legal entities indicate the main state registration number of the enterprise, orders for the appointment of an accountant and a manager, as well as the decision of the founders to create an enterprise. Individuals prescribe an identification number taxpayer.

In the financial block individual entrepreneur need to provide tax return. The organization needs to file a profit and loss statement. Depending on the loan project, information on income and expenses is submitted for different period time. For short term loan most banks will ask for information on the last five quarterly reports. For an investment loan, you will need data for three recent years. The amount of a short-term loan (up to 1 year) for the development of crop and livestock production should not exceed 1 billion rubles. The amount of the investment loan (from 2 to 15 years) - 8 billion rubles.

In addition, it is possible to take a loan secured. To give back real estate you need to provide a contract of sale, an act of transfer of real estate, payment documents, a certificate from the bureau technical inventory confirming the absence of redevelopment and other structures on land plot. Some banks request an extract from the unified state register themselves.

To pledge movable property, it is also necessary to provide a contract of sale, a deed of transfer and documents of payment. Through the notarial register, the bank will request information that the proposed property is not in another pledge.

Ministry of Agriculture decides

The terms of consideration by the bank of the full package of documents are about two weeks. From there, the approved application is sent to the Russian Ministry of Agriculture. The loan is then disbursed to the borrower. This approach saves farmers from bureaucratic red tape. After all, earlier Russian farmers used their own funds to pay for the subsidized part of the rate. working capital, and then expected reimbursement from the state.

However, according to experts, the decisions of the federal center on loans could be taken by the regional authorities, who better understand the situation "on the ground."

We now see that regional authorities have been excluded from this process. The Ministry of Agriculture of the Russian Federation also does not influence the selection of recipients, but only checks the intended purpose of loans. The full independence of banks in this matter turned out to be not reflecting the real agrarian policy of each region, - said Dzhambulat Khatuov, First Deputy Minister of Agriculture of the Russian Federation. According to him, in the near future the Ministry of Agriculture of the Russian Federation will make changes to the existing procedure, where the priority of the regional authorities will be restored, TASS reports.

The hardest thing is to keep up

A soft loan is issued by a "conveyor way". This means that applications are considered in order of priority and the earlier it was submitted, the sooner the farmer will receive cash. So, those who applied for a loan in November last year, like Svetlana Lomakina from the Zhirnovsky district, received money in February. Those who applied later are still standing in line, and as the number of applicants increases, the waiting time can only increase.

Who is not eligible for a loan?

Banks look to credit history borrower. The most common reasons for refusal are the presence of delays, lack of real activity or official revenue.

On the this moment business entities that operate in the format of a limited liability company cannot receive a loan. As the Association of Peasant Farms of the Volgograd Region explained, when preparing the resolution, the fact that many individual entrepreneurs and peasant farms changed their form of ownership was not taken into account, but at the same time they remain small business entities for which a preferential loan was provided. To fix this, they are now planning to amend the resolution, but so far the benefit applies only and exclusively to individual entrepreneurs and peasant farms.