美国农业部（USDA）通过新的继承人的财产保留计划（HPRP）提供6700万美元的竞争贷款，该计划旨在帮助农业生产者和土地所有者解决继承人的土地所有权和继承问题。中介贷款人 - 合作社，信用合作社和非营利组织 - 一旦农场服务机构（FSA）在8月下旬开放了两个月的注册窗口，就可以以1％的利息申请贷款。

After FSA selects lenders, heirs can apply directly to those lenders for loans and assistance. Heirs’ property issues have long been a barrier for many producers and landowners to access USDA programs and services, and this relending program provides access to capital to help producers find a resolution to these issues.

“While those affected are in all geographic and cultural areas, many Black farmers and other groups who have experienced historic discrimination have inherited heirs’ property,” said Tim Divis, acting state executive director for FSA in Nebraska. “USDA is committed to revising policies to be more equitable, and examining barriers faced by heirs’ property owners is part of that effort. This helps ensure we protect the legacy of these family farms for generations to come.”

The Heirs’ Property Relending Program is another example of how USDA is working to rebuild trust with America’s farmers and ranchers. HPRP is a loan and will need to be repaid as directed by the 2018 Farm Bill.

该计划的好处远远超出了参与者。它还将使农田保持农业，保护家庭农场遗产并支持经济生存能力。

合格的贷方

To be eligible, intermediary lenders must be certified as a community development financial institution and have experience and capability in making and servicing agricultural and commercial loans that are similar in nature.

If applications exceed the amount of available funds, those applicants with at least 10 years or more of experience with socially disadvantaged farmers that are located in states that have adopted a statute consisting of enactment or adoption of the Uniform Partition of Heirs Property Act (UPHPA) will receive first preference.在此处查看这些状态的列表。A secondary preference tier is established for those that have applications from ultimate recipients already in process, or that have a history of successfully relending previous HPRP funds. When multiple applicants are in the same tier, or there are no applicants in tier 1 or 2, applications will be funded in order of the date the application was received.

Selected intermediary lenders will determine the rates, terms, and payment structure for loans to heirs. Interest rates will be the lowest rate sufficient for intermediaries to cover cost of operating and sustaining the loan.

Additional information for lenders, including how to apply for funding, can be found in theHPRP final rule.

避开继承人

继承人可以利用贷款来解决标题问题，通过资助与继任计划相关的财产利益和融资成本的融资。这还可能包括与共同拥有财产中其他继承人的分数利益相关的费用和费用，以清除所有权，以及结束成本，评估，产权搜索，调查，准备文件，调解和法律服务。

Heirs may not use loans for any land improvement, development purpose, acquisition or repair of buildings, acquisition of personal property, payment of operating costs, payment of finders’ fees, or similar costs.

中介贷方将向继承人贷款：

• 是有权承担债务并解决由多个所有者拥有的农场的所有权和继承权的个人或法人实体；
• 是由血液或婚姻与该财产前所有者有关的家庭成员或继承人；
• 同意完成继承计划。

有关继承人如何从HPRP下的贷方借款的更多信息，将在未来几个月内获得。

More Information

继承人的财产是一个法律术语，指的是没有意愿或所有权法律文件的家庭土地。从历史上看，继承人从USDA计划中受益一直是充满挑战的，因为他们相信如果没有所有权证明或控制土地，他们就无法获得农场数量。但是，FSA提供了替代选择，使继承人获得农场数字。在采用UPHPA的州，生产商可以提供特定的文件来接收农场编号。要了解有关继承人财产，HPRP或UPHPA的更多信息，请访问美国农业部’s relending site.

美国农业部touches the lives of all Americans each day in so many positive ways. In the Biden-Harris Administration, USDA is transforming America’s food system with a greater focus on more resilient local and regional food production, fairer markets for all producers, ensuring access to safe, healthy and nutritious food in all communities, building new markets and streams of income for farmers and producers using climate smart food and forestry practices, making historic investments in infrastructure and clean energy capabilities in rural America, and committing to equity across the Department by removing systemic barriers and building a workforce more representative of America. To learn more, visit the美国农业部website.