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The Federation Council discussed issues of creating conditions for providing citizens with housing in the context of the integrated development of rural areas.First Deputy Chairman of the Federation Council Committee on Federal Structure Regional Policy Local Self-Government and Northern Affairs Andriy Shevchenko held a round table on the topic Creating conditions for providing citizens with housing in the context of the integrated development of rural areas.Opening the meeting the senator recalled that in his message to the Federal Assembly the President of Russia set the task of paying special attention to the social and infrastructural development of rural areas.The development of rural areas is extremely uneven. Despite the dynamic growth of the agro-industrial complex the level and quality of life of the rural population as a whole lag significantly behind the standard of living in cities which leads to an increase in the migration outflow of the rural population and the loss of development of rural areas said Andriy Shevchenko .The senator noted that the restrictions imposed against the background of the spread of coronavirus infection forced citizens to take a fresh look at the possibility of living outside the city. As part of a joint survey of the joint-stock company DOM.RF and VTsIOM 39 percent. Russians said that living outside the city is a preferable option for them.Andriy Shevchenko recalled that in order to comprehensively develop rural areas bring the quality of life of the rural population closer to urban standards the state program Integrated Development of Rural Areas was approved which is designed for the period until 2025 and covers the entire range of issues related to rural residents. These are support for employment development of housing construction creation and development of transport social and engineering infrastructures improvement of rural areas.Its no secret that the comprehensive development of rural areas is impossible without creating conditions for providing the population with affordable and comfortable housing that meets modern requirements the senator said.The parliamentarian drew attention to the fact that the program includes significant funds to achieve its key indicators in particular to increase the share of the total area of comfortable living quarters in rural settlements to 43.2 percent. The total amount of financial support for the State Program is almost 1.5 trillion rubles of which the volume of budgetary allocations from the federal budget is about 733.5 billion rubles.The main activities of the State Program designed to solve the problems of improving the housing conditions of the rural population are concentrated in the Departmental project Development of housing construction in rural areas and improving the level of improvement of households. This project provides for the implementation of a rural mortgage program at a reduced rate of 0.1 to 3 percent per annum the provision of subsidies to regions for the implementation of social payments to citizens living in rural areas including large families employees of the agro-industrial complex veterinary medicine and social sphere construction of housing under a lease agreement with mandatory co-financing from employers provision of subsidies to the constituent entities of the Federation for engineering training and improvement of sites for individual housing construction.At the same time the senator stressed that the preferential rural mortgage is one of the most demanded instruments of the State program. In 2021 the federal budget provides for its funding in the amount of 4.1 billion rubles. In addition from the reserve fund of the Government of the Russian Federation in 2021 the Ministry of Agriculture of Russia was allocated an additional 1.16 billion rubles. Funds are issued for the purchase of a land plot and the construction of a residential building on it for the purchase of an apartment in a new building a ready-made individual residential building as well as the construction of an individual house on an existing site.Andriy Shevchenko also believes that the use of this tool in relation to individual housing construction has great prospects. At the moment there is practically no such lending. The reasons for this are the presence of high credit risks due to the low liquidity of individual houses as collateral .At the same time the senator clarified that when issuing a rural mortgage for the construction of an individual house it is required to conclude an agreement with a contractor that meets certain requirements. In addition the construction of a residential building must be completed within two years from the date of the loan. But the contractors accredited by the bank for the construction of individual houses in rural areas having positive experience and a sufficient volume of individual housing construction are not enough.In turn the legislator noted individual housing construction as a whole has a great potential for growth and due to its implementation it is possible to achieve the target indicators of the national project Housing and Urban Environment. Comprehensive development of rural areas using the mechanism of standard construction of individual residential buildings can correct the situation stressed Andriy Shevchenko .In this regard he added it is necessary to consider the development of a catalog of standard projects of individual houses which will be built both in an economic way and in an industrial way but with an understandable cost in any design. This will enable the bank to clearly accurately assess what the real cost of individual housing construction is what volume of materials what type what technology is used and to issue a mortgage product exactly for this volume.
