Village in an open field: why suburban cottages are not eligible for preferential mortgages.

Residents have reported problems with suburban home construction, facing financial barriers to individual housing construction. Land within village boundaries is extremely expensive, while affordable areas exist outside settlements – but these don’t qualify for preferential mortgages.

The key problem in developing low-rise construction in rural areas is the inability to obtain preferential mortgages for purchasing or building homes in inter-settlement territories. Loans are only available within village boundaries – just 50 meters outside these boundaries, they become unavailable. The reason: banks require coordinated construction commencement notices and notifications of compliance with urban planning standards. The Khabarovsk District Administration doesn’t issue either document. The refusal reason is the claim that residential buildings cannot be constructed on such land.

Meanwhile, houses built outside villages can be registered with the cadastre – Rosreestr calmly conducts this procedure. But banks remain firm: without the required documentation, the benefit still isn’t granted.

Consequently, people must either find land within village boundaries (where costs can be 5-7 times higher) or take expensive loans, which is currently unaffordable for most residents of our region.

There’s a specific example where documentation requirements negatively affected construction of an entire cottage community – “Berezovaya Sloboda” near Galkino village.

The community was actively being built up for several years, but after these requirements were introduced, construction stopped.

The situation was explained by the Khabarovsk Municipal District. According to specialists, as correctly noted by the applicant, “Berezovaya Sloboda” is located in inter-settlement territory on agricultural land. By law, issuing permits for individual housing construction in such places isn’t permitted. Accordingly, preferential loans also cannot be obtained since this isn’t formally considered housing.

The “Berezovaya Sloboda” territory is located outside populated areas on land designated for agricultural needs. It isn’t included in any rural settlement, including Galkinskoye. According to Article 51, Paragraph 3 of the Urban Planning Code of the Russian Federation, construction permits cannot be issued in the absence of land use and development rules. The exception is objects of federal, regional and local significance.

Simply put, to develop the necessary documentation for a house and obtain construction permission – and subsequently a preferential mortgage – the land for individual housing construction must belong to a village or municipal district. But Khabarovsk District doesn’t currently qualify as such, so the administration took the first approach.

To resolve this issue, documentation is being developed to attach the territory to the nearest settlement – Galkinskoye. Unfortunately, this process isn’t quick and takes at least a year. More detailed information can be obtained from the Architecture and Urban Planning Department at 38-15-04.

The “Far Eastern Home” program was discontinued due to banks’ unwillingness to participate. This project was supposed to provide affordable housing for people in the region and jobs for enterprises, since wooden house kits were planned to be produced within the region.