In Russia, the sector Agriculture have received little attention for a long time. 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. Preferential lending to agriculture is one of the most effective tools to implement 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.

This type of loan can be applied for by an enterprise involved in agriculture or consumer cooperative. 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 favorable conditions at present. 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 more long term- under 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 loans in the context of import substitution are increasingly in demand by farmers and are increasingly reluctant to be issued by banks. Only thanks to subsidies from the state, it is possible to maintain both the volume of lending and its quality. Borrowers for this type of solution can be both individuals and legal entities, however, in general, the lines of most banks are focused on small and medium-sized businesses. What are the advantages of a specialized loan for farmers? Possibility of a long repayment term, low interest rate and many collateral options.

Rosselkhozbank

Rosselkhozbank demonstrates the greatest attention to the needs of farmers - it was created specifically to serve the agro-industrial complex. Among the products offered, a special position is occupied by specialized programs for the agro-industrial complex (Agro-Industrial Complex). This includes loans:

• without collateral
• to replenish working capital,
• investment.

Moreover, these lines of banking products are designed not only to support producers of grain crops and livestock that are traditional for the usual rise, but also for holders of fish farms, for those who need an office for the needs of agriculture and for other atypical areas. offbank.ru

For example, a product for mariculture enterprises (marine culture - breeding of fish, molluscs, crustaceans, etc.) implies long-term lending for construction and reconstruction, updating the technical component, purchasing equipment and vehicles, or short-term loans to support the seasonal and permanent operation of the enterprise.

Suggested timeframes: less than a year and up to eight years, depending on the goals. Payments can be monthly or quarterly. The amount is determined by the bank, as security is a pledge of any liquid property, guarantees of the Moscow Region and subjects of the federation, and other things. Collateral insurance is required. A loan for fish farms fully complies with its conditions.

On similar terms, Rosselkhozbank lends not only to farmers, but also to those who process their products and turn them into food.

Special products for farmers

Rosselkhozbank also has such highly specialized products as a loan for the purpose of purchasing grain from the federal intervention fund on the stock exchange or outside it. The amount is calculated from the contract, the term is less than a year, the security can be any, including the purchased grain. Of the difficulties, one can note the supplemented list of documents from the borrower, where there should even be original receipts for grain.

Or, with the help of a bank, you can buy land for agriculture, while laying the land itself to be bought. This product is only available to organizations and entrepreneurs. Terms - from three to eight years, there is a grace period. The amount is determined by the bank, while the borrower must pay at least some part of the cost of the site from his own funds. Of the restrictions: the plot is only from agricultural land, only for potential owners, without encumbrance and without restrictions on turnover.

The bank did not forget about livestock breeders either - in Rosselkhoz you can get money to buy young animals on their bail. With it, you can buy literally any official suppliers. If young animals are bought without a breeding certificate (not for breeding), then only from domestic breeders. Term up to five years, grace period up to two years, different payment schedules. The loan amount is limited to 80% of the transaction amount.

Seasonal credits

An additional highly specialized line of Rosselkhozbank is aimed at helping farmers during seasonal work. These are loans for crop growers, livestock breeders, those who are engaged in processing, as well as for all farmers for their purposes on the security of the harvest. There are also universal loans for micro-businesses working in this area among them. All products are united by the fact that they are issued not only directly for the purchase and implementation of work, but also for those expenses without which the work of farmers is impossible - for example, for fuels and lubricants.

Organizations and KFH (Peasant Farming) act as clients for them, terms - up to a year, any liquid property that the bank arranges, as well as guarantees and guarantees can act as collateral. Amounts and rates are offered by the bank individually for each borrower, depending on the current situation.

Pledge

Rosselkhozbank is ready to accept as collateral: new agricultural machinery and auxiliary devices, transport, machinery for logging, road construction, utilities, agricultural equipment for milking, storing vegetables, power plants, woodworking machines, elevators, installations, incubators, batteries, mechanical and piping systems , refrigerators and repair equipment. Moreover, they are considered new for up to two years of operation. All other vehicles and equipment can be provided as collateral if no more than 4 years have passed since their purchase. At the same time, insurance is a mandatory step, but on the security of equipment, you can get funds for almost any need. website

Sberbank

Another bank that pays great attention to lending to the agro-industrial complex is Sberbank. He has several programs designed specifically to help farmers. For example, leasing of special equipment costs separately - in a subsidiary of Sberbank, which deals only with leasing, you can successfully get almost any necessary agricultural equipment and necessary transport.

The program is designed for a wide range of clients - from peasant farms (see above) to medium-sized businesses. To conclude a leasing agreement, you need to deposit at least a quarter of the funds from the cost. You can conclude a contract for up to 24 million and for a period of up to three years. The payment schedule remains at the choice of the client, you can choose the balance holder. And only insurance remains invariably mandatory. Given that a minimum package of documents is required to use this loan, it becomes clear why many customers choose Sberbank over Rosselkhoz.

Loans for agro-industrial complex

Sberbank also lends against the security of the future harvest, for the purchase of animals and for current needs. For example, project financing is available for up to ten years with a prolongation and maintenance of the rate, and if the state subsidizes part of the rate, the terms can be extended up to 15 years. The owner pays at least 20% of the contract value.

What are the features? Pledge is obligatory, insurance is obligatory, despite the clearly defined boundaries, the last word on the conditions still remains with the bank. Without state support, when selling a business, before investing your money, financing is not carried out, there is no delay in issuing a pledge.

Loans for livestock breeders

Sberbank issues loans only for the purchase of livestock for the purpose of breeding it. Terms range from 5 to 10 years, depending on the type of animal. Purchased animals serve as collateral. The share of the borrower in the transaction must be at least 20%, there is a grace period and the possibility of concluding an export contract. Another interesting and important feature– you cannot lend a deal to buy twice as many heads of cattle as the borrower already has in the main herd. The conditions are valid only for residents with a ready-made business plan, a draft contract, with an experienced specialist in the purchased animals in the state, feed and premises available.

Pledge of the future harvest

The cost of sowing and seasonal work can also be credited by Sberbank. The product is provided only to medium and larger businesses, mainly engaged in crop production. The client must have experience in agriculture, have land and equipment, make a profit for the last three years and have been a bank client for six months. The client can be credited for a year and a half inclusive if he provides a guarantee, property and future harvest as collateral. But the share of the borrower can be zero. You can get a loan at any time, and repayment of the loan is possible immediately after the harvest. offbank.ru

Other banks

Other lending institutions, apparently, are not so much focused on agriculture, so you can just get a loan for business development, special leasing or business mortgage without being tied to the agro-industrial complex and subsidizing the government. At a rate, it comes out more expensive, but the amounts and interest are immediately visible.

For example, VTB offers to take a target loan for the development of any area of ​​the client's business on the security of special equipment or vehicles, if they were purchased from the bank's partners. The rate is from 14.5%, the amount is from 850 thousand rubles, for a period of up to five years inclusive. Advance payment from a quarter of the amount, but a commission is charged for processing the loan. Such financing can be issued both by a credit line and a one-time loan.

A business mortgage from VTB can be useful for those farmers who need their own office. At the same rate, the amount starts from four million, and the term reaches 10 years. If there is still a deposit, then no advance payment is required. The bank also offers to buy equipment put up for sale from it - on credit, of course. There are no commissions, the amount is up to 150 million for ten years maximum. website

Another good loan without mentioning that it is agricultural is an investment loan. At the same rate, you can invest in equipment, construction and expansion of your business for a long time. old rate and long term well suited for agricultural producers to purchase equipment. There are other banks with products specifically for the agro-industrial complex or with similar conditions, but for a wide range of business activities, so you can choose. By the way, IP and KFH is better to pay attention to special programs for the development of private farming.

Preferential loans at 5% per annum for farmers are probably the most anticipated news of this year. Few believed that despite the promises, it would still happen. Is it realistic to take advantage of this new opportunity?

How to get a soft loan for the development of agriculture?

Firstly, only agricultural producers have the right to issue it. You need to be a legal entity or an individual entrepreneur.

The bank will want to see your details economic activity no less than 12 months.

A mandatory item is opening a bank account where you are going to get a loan. We recommend that you first go to the place where you are already served. Rosselkhozbank JSC, Sberbank of Russia PJSC, Alfa-Bank OJSC, Promsvyazbank PJSC, VTB Bank PJSC and Gazprombank JSC have joined the program today. In the near future, agreements will be signed with the remaining 4 credit organizations: UniCredit Bank JSC, Otkritie Financial Corporation Bank PJSC, Rosbank JSCB and Raiffeisenbank JSC.

The objectives of the loan are the development of crop and livestock sub-sectors, including the purchase of agricultural machinery.

You will need to pay an advance of 15%. The term of the loan for the purchase of equipment under this program is 5 years.

Preferential loans can be issued for imported and domestic equipment. The deal is expected to be finalized within 3-4 weeks. Purchased equipment serves as collateral. Sometimes banks require a guarantee.

Early repayment is possible under the program. You can repay loans according to individual schedules, depending, for example, on seasonal activities.

Each bank has its own list of documents for obtaining a loan; requirements and conditions also differ. For example, Rosselkhozbank has a deferral of repayment of the main debt up to a year, the so-called grace period, during which the borrower pays only interest.

Let's calculate the payments for the purchase of a tractor as an example:

"Belarus-2022.3" manufactured by ChLMZ worth 3,960,000 rubles.

Advance payment 15% = 594,000 rubles.

For 5 years in equal installments monthly payment will amount to 63,520.57 rubles, and the overpayment for 5 years will be equal to 445,234.2 rubles.

What are the risks?

To give you a soft loan, the bank receives a subsidy. For example, initially he is ready to issue loans at 15% per annum. 10 of them are subsidized by the state, thanks to which the agricultural producer eventually receives a loan at 5%. Naturally, the amount of subsidies is limited. The program limit for the whole of Russia is 21.8 billion rubles. Therefore, now some banks are already saying that they accept applications, but cannot guarantee the issuance of a loan at 5%. It may also happen that only the largest projects will be approved. For example, in Saratov region banks recommend making applications for amounts from 10-15 million rubles for a more likely loan at 5%. In this case, only large agricultural holdings have a chance.

In addition, each agreement contains a clause stating that if the Ministry of Agriculture refuses to pay a subsidy under the program to a bank, the borrower will have to pay it, that is, the rate turns into a commercial one.

So how the program will work in practice is still unclear. We are waiting for the first loans in February.

If you did not receive a soft loan

If you still cannot get such a loan, there are other possibilities. For example, another program concessional lending and leasing for the purchase of Belarusian equipment with subsidizing part of the interest rate in the amount of up to 100% of the refinancing rate, thus, the interest rate on loans will be about 5-6% per annum, including the subsidy.

Approximately 20% of Belagro customers buy equipment using financial programs: on credit, leasing, subsidies, etc.

A loan at 5% per annum, according to Decree of the Government of the Russian Federation 1528, can be combined, for example, with Program 1432 or purchase equipment on lease. If you have any questions, ask them on the Belagro website. We will calculate the payments or offer the most advantageous combined financing option for your purchase of agricultural equipment.

I will also be happy to answer your questions on my page

The development of agriculture and small business is a priority economic policy countries. Especially to support farmers and entrepreneurs working in agricultural sector, some banks have introduced a new type of loan. The purpose of the loan is to help develop agricultural enterprises, so the loan is provided on favorable conditions and low interest rate. It is not difficult to take such a loan, the main thing is to meet all the requirements of the bank and prepare a package of necessary documents.

Choosing a bank that provides a loan for development farming, modernization and expansion of personal subsidiary plots. Such lending is offered by banks: Sberbank, Rosselkhozbank, Vneshtorgbank, Rosbank. We find out what we have the right to spend the received funds. The low interest rate is provided by state subsidies, so the money received from the bank can only be used for specific purposes: the purchase of agricultural equipment, the purchase of young animals, the development of subsidiary farming, seasonal work, gas supply, development of gardening, etc.

We find out the requirements of the bank for the provision of a targeted loan. First of all, you must have the appropriate age: financial responsibility begins at the age of 18, and banks will refuse a loan to persons over 65 until the loan is fully repaid, at this age a person, according to the internal charter of the bank, cannot have other income than a pension. The next requirement is the availability of a personal account, which must be recorded in a special household book, and a petition from the local administration. If you are the only employee of a farm enterprise, you are obliged to insure your health and life. Work experience - at least 1 year.

Assess the level of development of your farm before taking a loan. To obtain a loan, it is necessary to have a minimum set of agricultural machinery and equipment on the farm for the normal functioning of the enterprise. For example, a livestock farm should have a place for livestock, warehouses for feed and products. For a farm engaged in the cultivation of grain and other crops, it is necessary: ​​equipment for harvesting and planting crops, barns for storing it.

Confirm your solvency. Submit the following documents to the bank: wages(in 2-personal income tax format), pensions, settlement documents on income from your enterprise. If necessary, as a pledge to the bank, you can submit documents for liquid property - an apartment, a car, land. If the loan amount exceeds 30,000, then guarantors are needed. The number of guarantors depends on the size of the loan.

Determine the purpose of the loan. For a period of up to 5 years, an agricultural loan can be obtained on capital investments. For two years, you will be provided with preferential terms for repaying the loan. If the borrower is going to purchase spare parts for machinery, fuels and lubricants, young animals, seeds, fertilizers, feed, agricultural equipment or pay rent for warehouses, barns, land, then the maximum loan term is 2 years. Grace period repayment of the principal amount of the loan - 12 months. Maximum amount loan does not exceed 300,000 rubles.

All of these requirements are quite numerous and serious. We conclude: it will not work to get an agricultural loan online from a bank. On the Internet, you can find a calculator for calculating the approximate amount of a loan payment. You can also submit online application for a loan request: fill in the required contact fields and the desired amount. This is a callback order, the decision on the application is made by the bank. After providing all necessary documents The bank will make a final decision in about a week.

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?

In order to bring farming and other rural industries to a new level, the Russian government 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 are eligible to be served under loyalty programs, who are recommended to prepare in advance a business plan for 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 contribute an initial capital of a quarter of the desired amount, or they are invited to mortgage 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, Sberbank does not issue loans secured by a future harvest to small entrepreneurs; the preferred service group is representatives of medium and large businesses. 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 a larger amount of 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 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 of his labor activity, officially confirming their 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 contracts with clients who wish to receive more than 300,000 rubles.

Funds for the improvement of agriculture should go through 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 years, 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 for using financial resources is three months, while for new users the available amount can be 1,000,000 rubles, and for regular users, with good advice, the loan amount is increased by 500,000 rubles.

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

No less important conditions for a financial representative are 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. This financial institution enables its user to repay the loan for private household plots ahead of schedule, both partially and in full.

The lender is required to provide proof intended use 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 rental use 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.