Sberbank opened a window for the Rural Mortgage program, with a week-long acceptance period that gathered applications surpassing 55 billion rubles, according to the bank’s press service. The surge in interest reflected how appealing this financing option is for home buyers looking to rural or regional housing solutions and underscores the importance of flexible government-backed support in regional markets.
Due to the overwhelming demand, the program’s intake via Domclick was temporarily paused to allow the bank to process existing applications and secure an additional allocation. As soon as a new limit is set for Domclick, Sberbank will resume accepting new Rural Mortgage applications. Mortgages already submitted continue to move forward once approved, ensuring applicants maintain a clear path toward funding.
In the Republic of Bashkortostan, the Rural Mortgage program proved to be the most popular option among Domclick users, accounting for 7.2 percent of all submitted applications. This pattern highlights the regional appetite for rural housing finance and mirrors similar momentum in other areas. Among regional leaders, the Karachay-Cerker Republic posted a 7 percent share, followed by the Perm Region at 4.7 percent, the Stavropol Region also at 4.7 percent, and the Astrakhan Region at about 4.7 percent, rounding out the top five. These figures illustrate how demand for rural and regional housing finance is distributed across different regions.
Domclick’s electronic registration service shows additional financing dynamics: the finished housing rate stood at 2.7 percent while the residential construction rate reached 3 percent. For properties financed through the Rural Mortgage program and located in rural zones near regional borders, the rate was notably attractive at 0.1 percent. It is important to note that, under this program, the loan is available for a single use, aligning with the program’s aim to support first-time buyers and targeted rural development.
Beyond the Rural Mortgage, Sber customers have access to several other preferential avenues that support family housing and regional growth. Programs such as the Family Mortgage, Government Support schemes, Mortgage for IT specialists, and Far East Mortgage offer similar pathways to ownership with favorable terms designed to bolster household financial stability and regional investment. These programs work together to broaden access to mortgage financing and to incentivize new construction in areas that benefit from government and bank support.