In 2015 545 families received loans to improve housing conditions in the Kaluga regional branch of JSC "Rosselkhozbank". Today the volume of mortgage portfolio exceeds 1,7 billion rubles, which is 46% of the total volume of loans granted by the branch to the residents of the region. The increase in mortgage lending was able to provide by improving credit conditions and the introduction of new banking technologies. Employees of the retail division of the branch of the Bank organized more than 20 round tables for real estate agents and developers in the region, as well as dozens of special presentations of financial products of the Bank, which informed potential clients. Kaluga branch of JSC "Rosselkhozbank" 59 working with major construction companies that passed the procedure of accreditation in the Bank. With the financial support of the Bank clients can buy an apartment in any of the 86 accredited real estate listings. At the moment, the Bank offers its customers "the Mortgage with state support" which provides for reduced rate of interest". Conditions of a mortgage loan with government support, provide for an initial payment of 20 % of the cost of housing for purchase or construction of finished housing from the developer. The maximum credit term — till 30 years. For young families and holders of the parent capital the agricultural Bank offers special conditions – the owners of the certificate are willing to use the maternity capital as the entry fee. Low interest rate under the program "Military mortgage" attractive to servicemen - participants of the accumulation mortgage system. "Currently, mortgage lending is a priority in the Kaluga regional branch of JSC "Rosselkhozbank". The Bank will continue to work towards increasing the availability of mortgages for residents of the region, our main objective is to provide area residents with the most affordable and favorable conditions for the acquisition of housing", — said the Deputy Director of the Kaluga regional branch of JSC "Rosselkhozbank" Natalia Logvinsky. JSC "Rosselhozbank" is the basis of national credit and financial service system of agroindustrial complex of Russia. The Bank was founded in 2000 and today is a key lender to the agriculture of the country, is among the largest and most stable banks in the country by assets and capital, as well as among the leaders of the rating of reliability of Russian banks. In state property there are 100% of the shares. Kaluga regional branch of JSC "Rosselkhozbank" has worked since 2001 and today has 14 offices across the region.