Sberbank reports that in January-February and in the middle of March 2021, it received more than 10 thousand applications for subsidized mortgages for individual housing construction. This is almost 50% more than in the first quarter of 2020. The total amount of the issued mortgage is 1 billion (in the first quarter of 2020 it was 413 million rubles).

This, of course, is a drop in the bucket, but better than nothing. Sberbank accounts for more than half of issued mortgage loans, and it can be cautiously assumed that, in general, banks issued loans for individual housing construction for an incomplete I quarter. 2021 about 1.5 billion rubles.
For comparison: in total, in January-February, 242 thousand mortgage loans were issued in the country for a total of 669 billion rubles. Those. mortgage under individual housing construction is less than 0.2% of the total amount of loans for housing. And this despite the fact that in recent years, individual housing construction accounts for 45-50% of all built housing.

The government is constantly racking its brains about how to increase the commissioning of new buildings. But here is a ready-made plan for you: finally solve the problem of mortgaging land for loans from individual housing construction and then - mortgage houses. People are ready to take loans for individual houses not even at a preferential rate of 6-6.5%, but at the market rate of 7.8-9%. But even at such interest rates, banks do not issue mortgages for individual housing construction.
Calculations of analysts of the real estate market showed that the arrival of mortgage lending on the individual housing construction market will cause an increase in new construction in this sector by 10-15 million square meters. m per year.