Preferential car loan with state subsidies for 2017
Buying a car with a car loan is good, but buying with a preferential car loan with state support is also much cheaper. The decision to apply for a loan for the purchase of a car is a very important step and it must be solved without fuss and haste, having analyzed the interest rates and offers of several banks. And it is best to get a preferential car loan using the program of state subsidies for the borrower's costs, at which the cost of interest is significantly reduced.Subsidies
The government Russian Federation the Resolution of May 3, 2017 No. 514 "On Amendments to the Government Resolution
Of the Russian Federation dated April 16, 2015 No. 364 ", according to which car loans with state support were extended for 2017.
Preferential car loans with government subsidies are carried out from 2013 to 2017 - with periodic intervals of fading and changes in conditions. So, for 2017 the program state support domestic auto industry, was approved by the Government of the Russian Federation on May 3, 2017, and funds were allocated from the federal budget for its implementation, which will provide subsidies for the sale of 350,000 cars. The total amount of funding for the program for 2017 is planned at 10 billion rubles.
From 2015 to 2017, the rules for granting subsidies to Russian credit institutions from the federal budget to compensate for lost income on loans issued by Russian credit institutions to individuals for the purchase of cars are in force, approved by Government Decree No. 364 of April 16, 2015.
For 2017, this decree was amended, which were approved by the Decree of the Government of the Russian Federation of May 3, 2017 No. 514 "Amendments to the Decree of the Government of the Russian Federation No. 364 of April 16, 2015"
Preferential car loan conditions and government subsidy requirements for 2017
In 2017 Government grants are provided for preferential car loans which must meet the following requirements:
- the cost of the car - no more than 1,450 thousand rubles;
- the total mass of the vehicle should not exceed 3.5 tons;
- the car being purchased must be produced in the territory of the Russian Federation in 2016 or 2017;
- car loans are issued only in rubles (the period of registration is from January 1, 2017 to December 31, 2017 inclusive);
- loan security - pledge of the purchased car;
- the car was not previously registered in accordance with the legislation of the Russian Federation, it was not registered for an individual - i.e. the car being purchased must be new;
- only urgent interest on a car loan is subject to compensation;
- the term of the loan agreement - no more than 36 months;
- the lending interest rate provided for by the loan agreement is determined as the difference between the rate of the credit institution in effect on the date of the loan and the discount of no more than 6.7 percentage points (this is for loan agreements concluded in 2017).
- Loans are provided only to citizens of the Russian Federation;
- Loan term - up to 3 years (36 months);
- Minimum size down payment - from 15% of the cost of the car, i.e. banks do not limit clients in the possibility of increasing the size of the initial contribution of their own funds;
- The interest rate on the loan is determined by the bank and is reduced by the amount of subsidy
- The minimum loan amount is set independently by banks
- lending rate from which the real interest rate on a loan (less subsidies);
- the minimum period for which the loan is issued;
- minimum loan amount;
- requirements for length of service at the current place of work;
- the requirement for registration (residence permit) at the place of obtaining a loan and others.
The procedure for calculating the interest rate for a preferential car loan
Reimbursement of part of the interest from government subsidies is calculated in accordance with cl.3-6 amendments attached to the Decree of the Government of the Russian Federation of May 3, 2017 No. 514, namely:
h) the lending rate provided for by the loan agreement is determined as the difference between the rate of the credit institution in force on the date of the loan and:
- two thirds key rate Of the Central Bank of the Russian
Federation acting on the date of the loan - for credit
contracts concluded in 2015 or 2016;- a discount of no more than 6.7 percentage points - for credit
contracts concluded in 2017.
So, the part calculated on the basis of the new rule is subject to compensation from the interest rate set by the Bank for standard car loan programs. Only term interest is reimbursed.
The interest rate on concessional car loans for 2015 - 2016 depended on the key rate of the Bank of Russia, which was in effect at the time of the loan, and was calculated using the formula: P \u003d D - 2/3 x R
where:
P - interest rate,% per annum;
Р is the refinancing rate of the Central Bank of the Russian Federation in effect at the date of the loan,% per annum.
Currently, i.e. for 2017 it is calculated a little differently: P \u003d D - C
where:
P - interest rate on a preferential car loan in% per annum;
D - the current interest rate under the bank's standard car loan program as of the date of the loan,% per annum;
С - discount of not more than 6.7 percentage points.
The key rate / refinancing rate valid at the time of obtaining a car loan can be viewed.It is worth emphasizing that base rates the different banks participating in the subsidized car loan program, from which the calculation of the preferential interest rate on the car loan begins, are different, so it is worth reviewing the rates of several banks before contacting a particular bank.
Cars that fall into preferential car loans in 2016
The program of preferential car loans applies to cars and lungs commercial vehicles weighing up to 3.5 tons, which were not previously registered in accordance with the legislation of the Russian Federation, i.e. for new cars russian production.The goal of the program is to support automotive industry countries through stimulating demand for cars and light commercial vehicles domestic production.
An indicative list of cars that may be suitable for the program of concessional car loans 2016-2017, taking into account data on market prices, is as follows:
| 1. | Chevrolet Niva; | 20. | Renault Duster; |
| 2. | LADA Vesta; | 21. | KIA Rio; |
| 3. | Chevrolet Cruze; | 22. | Renault Logan; |
| 4. | Mazda 3; | 23. | KIA Cee'd; |
| 5. | Chevrolet Aveo; | 24. | Renault Sandero; |
| 6. | Mitsubishi Lancer; | 25. | LADA Granta; |
| 7. | Chevrolet Cobalt; | 26. | Skoda Fabia; |
| 8. | Nissan Almera; | 27 | LADA Kalina; |
| 9. | Citroen C4; | 28. | Skoda Octavia; |
| 10. | Nissan Note; | 29. | LADA Priora; |
| 11. | Citroen C-Elysee; | 30. | Toyota Corolla; |
| 12. | Nissan Tiida; | 31. | LADA Largus; |
| 13. | Daewoo Nexia; | 32. | Volkswagen Polo; |
| 14. | Opel Astra; | 33. | LADA 474; |
| 15. | Daewoo Matiz; | 34. | Bogdan; |
| 16. | Peugeot 301 | 35. | LADA Samara; |
| 17. | Ford focus; | 36. | UAZ; |
| 18. | Peugeot 408; | 37. | ZAZ. |
| 19. | Hyundai solaris; | - | - |
Banks issuing a preferential car loan with government subsidies
Subsidies are provided only to those banks that conclude the "Agreement ongranting a subsidy "with the Ministry of Industry and Trade of the Russian Federation.
For 2017, the list of banks participating in the program has not yet been formed, since the term for concluding agreements on the provision of subsidies for banks is set - until May 30, 2017 inclusive. Prior to this period, banks that have decided to participate in the program must submit to the Ministry of Industry and Trade of the Russian Federation an application for concluding an agreement on the provision of a subsidy (in any form), which contains information about state registration credit institution, with an attachment
required documents.
Good luck with choosing a car brand and bank for preferential car loans.
Market news
The Russian new car market has been growing for two months now. It is noteworthy that if at the beginning of the recession (2013–2014) the drama of the situation was partly mitigated by the growing sales of luxury and premium cars, then the current growth is largely due to the mass segment. The concessional lending program played an important role in this. Last year, the share of cars purchased using borrowed funds rose to 44%. Recently, the price limit under the program has increased to 1,450,000 rubles. About the basic rules of the program and what you can buy with this tool, in this material Drom.ru.
Retrospective, or How it all began
The program of state subsidies for car loans was first introduced in 2009 and has been extended several times. Both then and now, its main task was to stimulate the automotive industry and automotive market inside the country. And if you face the truth - do not let AvtoVAZ die. During the entire period of validity, the maximum allowable car price was growing. At the start, in 2009, the limit was ridiculous - 350,000 rubles (today the basic Vesta is more expensive), then the car under the program could not be more expensive than 700,000, then the bar was raised to a million, in 2016 - to 1.15 million, and in February of this year another growth was discussed. A new maximum of 1.45 million rubles. approved in May, although the auto industry players asked to expand the funnel even more, approving a limit of 1.8 million rubles. Gazeta.ru wrote about this.
It is noteworthy that all this time, the increase in the maximum price was due to a purely one reason - the rise in the cost of cars. It always turned out that the price went up - the class of available cars did not change. In this year's program, the size of the discount was 6.7 percentage points. Thus, with an average market rate of a car loan of 16.2%, the rate, taking into account the benefits, will be 9.5%.
Stanislav Ivanov, Head of Credit Sales, Avtomir Group:
The program is in demand: 70% of all credit cars are issued under it. The interaction scheme does not differ in any way from the standard car purchase on credit. The client chooses a car, receives a decision from the bank, draws up a loan, the bank transfers money for the car, the client picks up a new car from the salon. There are no queues. The program works well, there are no difficulties with obtaining loans from partner banks.
Requirements of the concessional car loan program 2017
The issue of preferential car loans is regulated by the Resolution of the Government of the Russian Federation "On the provision of subsidies from the federal budget to Russian credit institutions to compensate for lost income on loans issued by Russian credit organizations to individuals for the purchase of cars."
According to unconfirmed reports, banks participating in the program must go through the re-registration procedure by the end of May, after which the Ministry of Industry and Trade will send them a confirmation document, and with it a list of wine numbers or recommended models (not known for sure) for participation in the program. If we are talking about wine numbers, this means that the program will be applicable only for already produced cars and indicates the presence of a kind of quotas. At the same time, there is no official confirmation of the existence of such a scheme.
Along with the maximum cost of the car, the state program of preferential car loans imposes a number of important requirements. First: the car must be new, although, unlike last year's rules, this is now considered not only a car produced this year (2017), but also a car without run from the warehouse leftovers of the past, 2016. Second: the car must have Russian citizenship, that is, it must be produced on the territory of the Russian Federation. Third: the minimum down payment is not less than 20%, and the loan term is not more than three years. Fourth: the program is valid only for individuals.
In addition to the preferential state car loan program-2017, which applies to car modelsproduced in Russia, there are also programs on the market that operate on commercial and special transport: "Russian tractor", "Russian farmer", "Own business".
A-class cars
Kia picanto - from 549,000 rubles.
Just launched into production and appearing on the official website, the Kia Picanto squeezed into the list on the eve of the publication of the material. With the change of generations new model since April 2017 it has been produced by the SKD assembly method at the Avtotor enterprise from machine kits supplied from South Korea, which means that she will also participate in the state program of preferential car loans. Apparently, due to the novelty, there are no special programs for the car yet - prices without discounts. The basic car with a liter engine (67 hp) and "mechanics" is sold for 549,000 rubles. The same units, but in a richer configuration - with air conditioning, seat height adjustment, power windows, music with Bluetooth and USB - will cost 634,900 rubles. If we evaluate the 1.2-liter engine (84 hp) with a 4-speed "automatic", then the cars in the previously considered trim levels will pull by 649,900 rubles and 674,900 rubles, respectively, but the maximum GT-Line configuration will cost 854 900 rubles.
B-class cars
The B-class compact city car segment has been the widest in our car market for several years now. The ten most popular new models have consistently been made up of the majority of the class for many years. Almost all of them are spelled out in one way or another in Russia, and most often they are produced in the Russian Federation in a full cycle. And almost all cars in the segment are the main characters state program preferential car loans, and even in top configurations, being equipped with the maximum list of options, they still meet all the conditions. Only the Citroen C-Elysee, produced in Spain, remained outside the framework. At the moment, dealers are selling the remains of this model. It is significant that the official website says - check the price with the dealer.
Ford Fiesta - from 589,000 rubles.
The Ford Fiesta sedan and hatchback produced in Naberezhnye Chelny on a full cycle, taking into account all the special conditions, costs at least 589,000 rubles today, and if you exclude all bonuses - at least 649,000 rubles. Using the credit reduces the retail price by 30,000–40,000 rubles, depending on the version, plus a recycling bonus of 30,000 rubles.
The basic car is a sedan with an "aspirated" 1.6, 85 horsepower and 135 Nm of torque and a 5-speed "mechanics". The initial Ambiente package contains a very minimalistic package. About "cosmetics" like steel rims and black door handles do not say, but the lack of an audio system and air conditioning is worth noting. Of the objectively important things in the "minimal salary" there will be only front airbags, central locking, front power windows.
Trend version is more interesting. Taking into account discounts for trade-in and credit, such a car will cost from 670,000 rubles. It is noteworthy that starting with this configuration, you can choose the type of body (the sedan is more expensive by 10,000 rubles) and transmission (the PowerShift "robot" adds 60,000 rubles to the check). The engine is more powerful here (already 105 hp and 148 Nm), and the equipment is complemented by heating and electric mirrors, a system of directional stability, on-board computer, air conditioning and audio system.
In the maximum Titanium series, the price starts from 785,000 rubles, and with the "robot" - from 845,000 rubles. Such equipment also falls under the terms of preferential lending, despite the fact that even frankly fashion options are included in it, such as: interior background lighting, a light and rain sensor, although climate control and side cushions security - things are definitely useful.
Hyundai Solaris of the previous generation - from 583 900 rubles.
Despite the debut of the new generation of Solaris, the previous bestseller is still offered for sale at dealers and on the manufacturer's website at a price of 583,900 rubles. True, this is the price with a discount of 70,000 rubles. If you count without it, then the cheapest Solaris in the past body will cost 623,900 rubles. This is a car with a 107-horsepower 1.4 engine (135 Nm) and a 5-speed "mechanics". The version with an archaic 4-speed "automatic" starts at 753,400 rubles. Machine with more powerful motor 1.6 (123 hp, 155 Nm) and 6-speed "mechanics" costs from 743,400 rubles, a modification with the same engine, but with a 6-speed "automatic" - from 783,400 rubles. Although prices can be seriously affected by the equipment and delivery of the old car for trade-in or recycling. Individual discounts from the dealer are not excluded.
Nevertheless, even the most "charged" modification of the former Solaris with a 1.6 engine and a 6-band "automatic" in maximum configuration Elegance without discounts "fits" into the conditions of the state program. Such a car will be distinguished by the presence of rear disc brakes, a multimedia system with steering wheel control, CD / MP3 reading, the presence of USB and AUX-connectors, as well as a Bluetooth interface, parking sensors, electric windows and mirrors, heating of the rest zone of wipers, steering wheel, mirrors and front seats.
New Hyundai Solaris - from 599,000 rubles.
The new Solaris top-of-the-range also hits the limit. The most charged modification in the maximum degree of equipment Elegance costs 899,900 rubles. Additionally new Solaris can be completed with various packages of options for 40,000; 76,000 and 80,000 rubles. The final price tag for the most packed car may well exceed a million rubles.
Kia rio - from 560 900 rubles.
An analogue of the previous generation Solaris is sold today at a price of 560,900 rubles. Although it is obvious that in the near future, following the new Solaris, the next generation Kia Rio will also enter the market. As for the car of the current generation, it is offered with two gasoline "aspirated" to choose from: a 1.4-liter engine with 107 forces or a 1.6-liter engine in 123 horsepower... In addition, buyers can choose between a 5-door hatchback and a 4-door sedan body style. On the official website of the brand there are still special offers for last year's copies.
Kia soul - from 809 900 rubles.
Formally, this model is positioned as a crossover, but albeit with a stretch, it falls into the group of representatives of class B, while being one of the most expensive in this list - from 809,900 rubles, and this is a price tag with a discount of 60,000 rubles for leasing and trade-in. Without a discount, the same car is priced at 869,900 rubles, although if you use a proprietary credit program, then 18,000 rubles will be dropped from the price. It is important that, given the recently increased credit limit, absolutely everyone is subject to the terms of the program. kia versions Soul, including the charged GT modification (204 hp).
Renault Sandero - from 449 900 rubles. (Stepway - from 629,990 rubles)
Renault's official website Russian Sandero Stepway is on a par with crossovers, but like the Soul, along with the usual Sandero, we classified it as a B-class passenger car. Stepway differs only in a plastic body kit and increased ground clearance. In any case, the drive will only be front-wheel drive, even if you choose the most expensive Stepway for 755,990 rubles. But even this price allows you to buy a car under the program of preferential car loans. Moreover, the site offers more cars from last year, and they are slightly cheaper. The engine for both the conventional and the crossover versions is one - atmospheric 1.6 liters. The 8-valve version produces 82 HP, the 16-valve version - 102 HP. An option of 113 forces is proposed. There are three possible types of transmissions, and they are the same for both cars: a 5-speed "mechanics", a 4-speed "automatic" or a dubious "robot" with one clutch.
Renault Logan - from 429,000 rubles.
Once a popular sedan, behind which there was a queue, today it is already produced in the second generation. In the circle of new rivals of Korean and European brands, Logan is somewhat lost, nevertheless, the model is produced and sold, albeit in smaller editions. The advertising price, which includes the cost of delivering the car to the dealership (Renault for some reason distinguishes this) - 429,000 rubles. The minimum declared loan payment per month is 6381 rubles. Technically, the Logan is almost identical to the Sandero. Is that the body layout is different. Otherwise, the same units: three types of gearboxes to choose from, three degrees of power of the power unit.
Skoda Rapid - from 599,000 rubles.
Following the results of the past skoda years Rapid ranked 14th in russian rating the most popular models of 2016. And this is the worst indicator in the class. Affects not the most low cost... Although "on paper" Skoda looks very attractive. There are two engines to choose from: a simple 1.6 MPI (90 or 110 hp) Russian-made or a technologically advanced 1.4 TSI (125 hp). The increased limit connected the most expensive versions of the model to the program. An updated version is now entering the market. Perhaps she will be able to somewhat revive skoda sales in the B-class. Although the updated car in the basic version is more expensive than the pre-reform one by 5000 rubles.
Volkswagen Polo - from 599,900 rubles.
Polo sedan known in Russia since 2010. The starting price of the model was then 399,000 rubles, and this was the first serious alternative to Logan. Solaris appeared later, in 2011, but it cost a little cheaper: from 379,000 rubles. Over the past 7 years, Polo has undergone an update. The "cosmetics" has slightly changed, the headlights have been updated and taillights, but most importantly: the main, that is, the most popular engine - atmospheric 1.6 - received russian registration and has been modernized. Later, a charged Polo GT sedan with a turbocharged 1.4 TSI engine of 125 forces appeared in the lineup, combined with both a 6-speed "mechanics" (from 826,900 rubles) and an "automatic" (from 896,900 rubles). Like other B-class models, the Polo sedan is well within the program's requirements.
Along with the above options of foreign brands, the entire state program of preferential car loans is suitable the lineup AvtoVAZ. Absolutely all. The most affordable Grant is traded today from 329,900 rubles. Liftback body - from 354,200. The declared loan payment is from 5769 and 6170 rubles, respectively. Even the most expensive Vesta for 705,900 rubles and Xray for 718,900 rubles are subject to the preferential state car loan program.
C-class cars
Citroen C4 sedan - from 732,000 rubles.
Restyling of the Citroen C4 sedan has seriously changed the car, although at first glance you can't tell. The main innovation is the 6-speed "automatic" Aisin instead of the old 4-band AL4 gearbox. For those who want to buy a new diesel sedan, this is the only option in the segment. At the time of the launch of the model (autumn 2016), the minimum price for such a modification was 1,040,000 rubles. But today, finding a price list on the manufacturer's website is still a challenge. Instead, the buttons " special offers"And" contact a dealer ", so it is likely that the actual price will be even more attractive, thereby expanding the list of trim levels and versions available under the concessional car loan program.
Ford Focus - from 674,000 rubles.
Once especially popular in Russian Ford Focus in the third generation has become less demanded by the market. Increased competition and prices are affecting. Although today the advertising price tag for Focus is very attractive - from 674,000 rubles, however, this is the cost, taking into account all kinds of discounts for credit, trade-in and (or) disposal. Without them, the cheapest Focus hatchback today costs 754,000 rubles (1.6 liters, 85 forces, manual transmission, Ambiente equipment). The sedan is noticeably more expensive - from 901,000 rubles, but it's not just the body. The three-volume version starts with a more equipped configuration and already has outside mirrors and heated front seats, air conditioning, an audio system and other parts, and the same engine will be forced up to 105 forces. The same hatchback will cost 891,000. If you equip it with a PowerShift "robot", you will have to pay 40,000 rubles, for an additional 20 forces in the engine - another 35,000. Prices for the Focus station wagon, excluding special offers, start at 911,000 rubles.
Kia cee’d - from 763 700 rubles.
Kia cee’d is the second most popular car in the class on russian market... The obvious reason for this alignment is the skillful combination of consumer properties important for the client: competitive price, good looks, wide choose equipment. Lovers of high-speed cornering will appreciate the multi-link rear suspension... Taking into account the use of a branded loan from Kia at a rate of 6.5% (which is even more profitable than a concessional loan) and the delivery of an old car to trade-in, you can count on a discount of 56,200 rubles and the final price for the simplest version of 763,700 rubles. True, it won't even have an air conditioner, and under the hood there will be a 100-horsepower "atmospheric" with a volume of 1.4 liters. For the next complete set with air conditioning, you will have to pay 45,000, although along with it, the buyer will receive other additional items: heated exterior mirrors and washer nozzles. A car with a more running and appropriate "aspirated" 1.6 with a capacity of 130 horsepower starts at 919,900 rubles without discounts, but its minimum configuration already contains air conditioning and other bells and whistles. Without taking into account the discount, the prices for cars with such an engine range up to 1,084,900 rubles, depending on the configuration. However, the increased limit of the preferential car loan allowed considering a cee’d with a 1.6 GDI engine (135 "horses") and a preselective "robot" with two clutches of Korean design.
Kia cerato - from 904 900 rubles.
The updated Kia Cerato, before the price limit was raised, fell under the program of preferential car loans in only four possible versions, and after its increase it meets the requirements of the program in any of the modifications. Cars within the framework of the program can be either with an atmospheric 1.6 with a capacity of 130 hp, and with a 2.0-liter, 150-hp power unit. Each of the modifications is completed with a 6-speed "mechanics" and a 6-speed "automatic". The simplest equipment (it does not matter, with manual transmission or automatic transmission) is content with air conditioning, four speakers, steel wheel rims, heated steering wheel, zone "wipers" at windscreen and exterior mirrors, additionally equipped with an electric drive. The next richer equipment in the hierarchy has an additional electric interior heater. It also includes "foglights", R16 wheels, height-adjustable driver's seat, rear disc brakes, central locking, climate and cruise control, multi-wheel and some other details.
Hyundai i30 - from 869 900 rubles.
An analogue of Kia cee’d, but much less popular in the Russian market. It's about the Hyundai i30. The reason is obvious - the higher cost. Excluding discounts, the price starts at 869,900 rubles, although along with the price, the site immediately indicates the minimum loan payment - from 14,449 rubles. For this money, the buyer will receive a car with atmospheric engine 1.4 in 100 horsepower and 6-speed "mechanics", equipped minimal set equipment: ABS, airbags, radio, electric and heated exterior mirrors, air conditioning, heated front seats and some other little things. i30 with a 1.6 engine in 129 forces costs at least 929,900 rubles, but with such a motor, the initial equipment is richer; it additionally includes side airbags and curtain airbags, a multifunction steering wheel, a more advanced multimedia installation with a USB port, power windows, a center armrest, an eyeglass case and other little things. A hatchback with a "automatic" is also placed in the framework of the program of preferential car loans. Its starting price tag is 939,900 rubles.
Hyundai elantra - from 909 900 rubles.
More new hyundai Elantra is more expensive than i30. At the same time, from the point of view of the units, there is no particular constructive novelty in it. It's funny that along with the preferential state car loan program, Hyundai also offers its own, called Hyundai Start. One way or another, the minimum advertising payment on a loan for Elantra is stated at 8,000 rubles per month. At the same time, cars with a 1.6 engine and sedans with an "aspirated" 2.0 (150 hp) engine, which previously fell outside the price range of the program, freely fall under the conditions of the preferential state program after the increase in the maximum price.
Nissan Almera - from 626,000 rubles.
The Nissan Almera is often compared to the B-class models, although its size can well be attributed to the golf segment. The declared price start is 516,000 rubles, but this is taking into account a possible discount for disposal. Without it, Almera will cost at least 626,000 rubles. At the same time, Nissan offers its own lending program with a payment of 7844 rubles per month. Depending on the down payment, the loan rate varies from 0 to 3.9%. Almera even to the maximum degree of equipment fits within the limits of the preferential car loan program. The most expensive version from a dealer, excluding discounts, costs 812,000 rubles today. True, with the price increase, only the options change, and power unit and the checkpoint - no. The engine is an uncontested 1.6 liter 102 forces, aggregated either with a 5-speed "mechanics" or with an outdated and capricious 4-speed "automatic" Renault-Nissan.
Nissan Sentra - from 896,000 rubles.
Sales of the Nissan Sentra, if not flop, are certainly not record-breaking. According to rumors, production in Izhevsk is periodically stopped so as not to overfill the warehouse. Nevertheless, the minimum price for Sentra is not the most affordable. The Nissan sedan is advertised at a price of 896,000 rubles. And this is taking into account the bonuses. Without those, its cost will be 976,000 rubles. The price list for the model, before raising the ceiling price, cut off the top-end degree of Tekna equipment from participating in a preferential lending program. The corporate Nissan program partially corrected the situation. The minimum loan payment stated on the official website of the brand in Russia will be 13,621 rubles. The interest rate, as in the case of Almera, depends on the initial payment and ranges from 0 to 3.9%.
Peugeot 408 - from 832 thousand rubles.
Peugeot 408 sedan produced side by side with Citroen C4 is not sold in Russia. Unlike its sister Citroen, the automatic here is still a 4-speed (6-speed Aisin is put only in the 1.6 THP turbo version of 150 forces), and the design is much less expressive. There are only two complete sets. The declared advertising cost of 832,000 rubles is indicated taking into account maximum benefit 250,000 rubles. The next version in terms of status will cost 1,085,000. Without discounts, the base cost of the 408 is more than a million, which is somewhat shocking. One way or another, despite the prices, the French offer credit programs for a period of one to three years with the possibility of zero overpayment, depending on the amount of the initial payment.
Skoda Octavia before and after restyling - from 924,000 (940,000) rubles.
The most popular model in the class over the years. Before the restyling, the initial cost was 924,000 rubles, but today there are restyled Octavias in production, as well as in warehouses and dealer showrooms. But by no means every Octavia falls under the conditions of the state program of preferential car loans. The minimum price tag is 940,000 rubles. These are cars with atmospheric 1.6 MPI and "mechanics". But a car with the same units, but in the maximum configuration of Style, did not fit into the price range of the lending program before the May amendments, because such a liftback costs 1,169,000 rubles. Then it was possible to reach out and grab the updated Octavia with the same 1.6 MPI, but already with a 6-speed "automatic" (1,003,000 rubles - basic Active, 1,139,000 rubles - intermediate Ambition). But now, using the preferential state car loan program of the new model, you can buy almost any Octavia, excluding cars in the Laurin & Klement or RS version, as well as with four-wheel drive, since they are supplied to Russia from the Czech Republic, and are not produced at a factory in Nizhny Novgorod.
Volkswagen Jetta - from 949,000 rubles.
The Volkswagen Jetta is a veteran of the automotive market by modern standards. While a significant part of the models volkswagen Group already switched to modular platform MQB, Jetta is still based on the sixth Golf cart. For 949,000 rubles, Volkswagen offers a sedan with a 90-horsepower "aspirated" 1.6 liter and 5-speed "mechanics". A car with a 6-speed "automatic" and the same engine, but with a return of 110 forces, costs at least 1,093,000 rubles (automatically assumes a richer configuration), but this also allows you to purchase such a car under the program of preferential car loans. Previously, the Rubicon was cars with 1.6 MPI in 110 forces and a 5-speed manual transmission for 1,119,000 rubles. The above modifications and configurations no longer met the requirements of the program. Now, after increasing the limit, you can purchase any Jetta in a fixed configuration.
Considering that some of the Chinese brands have production facilities in Russia and are sold at a price of no more than 1,450,000 rubles, formally they must also participate in the state program of preferential car loans. But this is in theory, but in practice, according to representatives of Chinese brands, two years ago the Ministry of Industry and Trade sent out a letter with a list of cars, where it recommended certain models. For the first time, the media wrote about the non-public conditions of the document on the state program of preferential car loans in 2015. According to rumors, in 2016, internal restrictions were announced at one of the meetings with banks, but only orally. One way or another, for example, Chery never sold a single car under the program.
Evgeniya Nikitena-Katsarskaya, Head of the Press Service of Chery Automobiles Rus:
In the current economic situation, government programs aimed at supporting and developing the automotive market are very expedient. But at the same time, it is important that all manufacturers who assemble cars in the Russian Federation are included in these programs. Unfortunately, the Cheri Automobiles Rus company, despite the localization of production in Russia, was not included in the list of state programs for utilization and concessional lending. Since the publication of Resolution No. 514 of May 3, 2017, no deal has been concluded this year.
Cars of D-E-classes
We decided to combine the cars of the D and E-segments at once for two reasons: firstly, the border between these two segments in the automotive industry has long been blurred, and secondly, the prices of these models in best case are close to the limit indicated by the program, and often exceed them. Before the price limit was raised, there was only one model - Hyundai i40 - in a single modification. But with the increase in the credit limit, the choice has increased.
Hyundai i40 - from 1 124 900 rubles.
Even before the price limit was raised, the Hyundai i40 was included in the list of models that meet the conditions of the preferential car loan program, but only in the only and simplest version. The price tag of such a car is 1,124,900 rubles, but under its hood - a modest by the standards of the "aspirated" class 1.6 (135 hp). But now, when the maximum price limit is higher, along with it, it is quite possible to choose a car with a basic 2.0-liter engine of 150 forces, offered both with a 6-speed "mechanics" and with an "automatic". Moreover, you can reach even the middle trim levels, but the "top" ones are still outside the price range.
Kia optima - from 1 139 900 rubles.
Not available in the old version of the program kia sedan Optima is now also among the models suitable for the concessional lending program. Having passed old car in trade-in, you can get a discount of 40,000 rubles. Depending on the use of this tool, the indicated limits will include three or four configurations with a 2.0-liter 150-horsepower engine: Classic (1,179,900 rubles), Comfort (1,299,900 rubles), Luxe (1,419,900 rubles) and , possibly, Luxe FCC 2017 for 1,451,900 rubles (if you hand over your old car to trade-in and get a 40,000 discount).
Along with preferential state car loan programs, some manufacturers offer their loan products, most often created in partnership with banks. Sometimes their terms allow you to count on zero overpayment or on the purchase of a car more expensive than the state-designated limit, or at a lower rate. However, all of them are usually more demanding on the initial payment: as a rule, it is half the cost of the car.
Crossovers
Crossovers are the second segment in terms of share of the Russian car market after the B-class. However, if you increase the resolution and take a closer look at the group of these cars, it turns out that the crossovers are different: from the subcompact mass segment to the large premium models. The latter, of course, do not participate in the state program of preferential car loans, but many more modest models fall into it.
Ford EcoSport - from 840,000 rubles.
The Ford EcoSport manufactured in Naberezhnye Chelny is sold at a price of 840,000 rubles. Moreover, during the preparation of the material, the car has risen in price. The advertising price has increased by 41,000 rubles. The simplest Ecosports are mono-drive and are equipped with an "aspirated" 1.6 (122 hp), combined either with a 5-speed "mechanics" or with a 6-speed "robot" PowerShift. The all-wheel drive version is equipped with a 2.0-liter engine with 140 forces and a 6-speed "mechanics". Such a car costs 1,135,000 rubles, and if you get a discount for trade-in or disposal (30,000 rubles for all versions, and for this one - 65,000 rubles) and a discount for using a loan (from 40 to 55 thousand rubles, depending on the version ), then an all-wheel drive car in a single available configuration Trend Plus will cost 1,025,000 rubles. It is curious that the better equipped EcoSports are entirely front-wheel drive and with a 1.6 engine (122 hp). Prices even for the most charged configurations are within the limits of the state program: 1,215,000 rubles - without discounts and 1,130,000 - with them taken into account.
Ford Kuga- from 1 244 000 rub.
The updated Kuga, coming off the assembly line from the factory on the territory of the Elabuga Special Economic Zone, appeared in this review precisely due to the increase in the price limit of the program. Taking into account the summation of possible discounts, the model is available at a price of 1,244,000 rubles. This is minus 65,000 for using the credit, minus 40,000 for using a trade-in or recycling system, and 50,000 “just” discount, which is available only for the base model. The simplest Kuga is a front-wheel drive with a 2.5-liter atmospheric engine of 150 forces and a 6-speed automatic transmission. Within the allotted limits, you can fork out for a crossover with similar units, but in a richer version, which will have dual-zone climate control, electric heated windshield, steering wheel and seats and other chips. But it will be possible to buy an all-wheel drive copy with a 1.5-liter EcoBoost turbo engine under the program only if you grab all possible discounts.
Hyundai Creta - from 789 900 rubles.
The new Creta has already entered the top three most popular models in Russia. Koreans have a surprisingly good market feel. Front-wheel drive crossover with 1.6 engine and 6-speed "mechanics" costs from 789,900 rubles. The equipment of such a car is very serious: power steering, front airbags, ABS, EBD and stabilization system, an audio system with a Bluetooth interface, a USB port and even a tire pressure monitoring system. It is curious that not only single-drive modifications fit into the program. The relatively recent version with all-wheel drive and 1.6 engine in simple trim levels is quite suitable even for the old requirements of the state program: the price tag is from 969,900 rubles for a car with "mechanics". However, the increased limit made available absolutely all modifications of Crete, even the all-wheel drive version with a 2.0 liter (150 hp) engine, all-wheel drive in the richest configuration.
Kia Sportage - from 1,151,900 rubles.
This model would not have been in the review if the price limit had not been increased within the program. An advertising price of 1,151,900 rubles is possible with participation in the entire set of special programs. Without them, the simplest Sportage costs 1,249,000 rubles. Front-wheel drive, 6-speed "mechanics", a 2.0 liter engine of 150 forces. The equipment in the "base" is more than modest: even the wheels are steel. Within the framework of the state program, the following two configurations are also available, you can even buy a car with an “automatic”. The most equipped version available is complemented by electric door mirrors, audio system, cruise control and some cosmetic details. The machine is medium-sized - with xenon, separate "climate", rear parking sensors - already "falls out" even for the increased price limit of the state program.
Nissan Qashqai - from 985,000 rubles.
The Nissan Qashqai crossover on the terms of the state program of preferential car loans is available only in the simplest version, subject to discounts for utilization. Only then will Qashqai be sold for advertising 985,000 rubles. Without the use of bonuses, a front-wheel drive crossover with a 1.2 liter engine is sold for 1,173,000 rubles. The increase in the limit expanded the choice, but there are still 16 possible variations beyond the RUB1,450,000 limit. However, a temporary discount on a car of 58,000 rubles and a bonus for trade-in or disposal of up to 120,000 allow you to get back to back even to a complete set with a panoramic roof for 1,448,000 rubles. There is a default 2.0-liter 144 horsepower engine with a CVT.
Nissan terrano - from 855 thousand rubles.
A much simpler Nissan Terrano is not much cheaper than Kashkaya: taking into account discounts - from 855,000 rubles, and without them - all 925,000. This is the cost of a front-wheel drive car with a 1.6 engine with 114 forces and a 5-speed manual transmission. Terrano with the same engine, already with 6-speed "mechanics" and all-wheel drive without discounts is traded for 995,000. Moreover, under the preferential program, you can even get a 2.0-liter crossover (143 hp) with all-wheel drive and 4-speed "automatic". Such Terrano costs 1,149,000 rubles.
Nissan X-trail - from 1,264,000 rubles.
The increased price limit included in nissan review X-trail, assembled near St. Petersburg. The starting price of the basic configuration, including special programs, is 1,264,000 rubles. But if you pass it old car to trade-in or dispose of. The discount for this is up to 120,000 rubles. Although another 50,000 rubles will be thrown off just like that. Without special offers, even the basic crossover is not included in the program due to the price tag of 1,464,000 rubles. However, even the initial version is very self-sufficient. This X-trail has 6 airbags, assistance systems for descending and starting up the hill, dual-zone climate control, windshield with heating and audio system. Under the hood is a 2.0-liter engine with 141 horsepower, cooperating with a 6-speed "mechanics".
Renault Kaptur - from 829,000 rubles.
The beautiful Kaptur with the filling from the trouble-free Duster, like EcoSport, has risen in price during the preparation of the material: from 799,000 rubles to 829,000. The Renault website in Russia still lists the prices for last year's cars, although it is not known whether unsold copies remained in the dealership networks. The 2017 crossover, excluding discounts, costs at least 879,000 rubles. Such front-wheel drive, 1.6 engine (114 hp), 5-speed "mechanics". For the same, but in the next configuration in the hierarchy, you need to pay 929,990 rubles. The variant with a variator is estimated at a minimum of 979,990 rubles, all-wheel drive starts at 1,059,990 rubles. However, along with all-wheel drive, the buyer for this money will receive a 2.0-liter engine (143 hp) and a 6-speed "mechanics". In most cases, the choice of a richer configuration will not disable the state program of preferential car loans. Even the only version that previously remained outside the brackets - Style with a 2.0-liter engine, all-wheel drive and a 4-speed automatic transmission for 1,179,990 rubles - has also become available.
Renault Duster - from 639,000 rubles.
Renault Duster is much cheaper than Capture and Nissan's counterpart Terrano. Excluding discounts, a car costs at least 639,000 rubles, and if you activate bonuses, then from 589,000 rubles. Any Duster is eligible for a preferential state program. The set of aggregates is almost identical to Terrano and Capture. The difference is that Duster does not have a variator and the presence of a 1.6 dci turbodiesel of 109 forces.
If you want to buy an SUV under the concessional car loan program, you can pay attention to UAZ. As in the case of AvtoVAZ, all models fall under the conditions of the preferential state car loan program russian manufacturer: Patriot, Pickup, Hunter.
Skoda yeti - from 1,069,000 rubles.
Relatively recently, the Czechs have already presented the successor to the Yeti - the Karoq model, but so far the Skoda Yeti is being sold on the Russian market from the factory in Nizhny Novgorod. True, using the program of preferential car loans, earlier it was possible to buy only a car in the simplest Active configuration. And there was no choice of engines: only Yeti with 1.6 MPI of 110 forces, either with a 5-speed "mechanics" (from 1,069,000 rubles), or with a 6-speed "automatic" (from 1,129,000 rubles). After increasing the limit to 1,450,000 rubles, the only fixed configuration of Style on a car with all-wheel drive, 6-speed DSG and a 1.8 TSI engine with 152 horsepower for 1,469,000 rubles does not get into the credit terms of reference. Although if it is impatient and a preferential car loan turns out to be the most profitable, then the dealer will most likely meet halfway and reduce the cost in the contract to the values \u200b\u200brequired for a preferential loan. Although without this there is plenty to choose from: by default, 10 crossover options fall within the limits ( different motors, configuration, drive types).
Volkswagen Tiguan Old - from 1,329,000 rubles.
The streets of Russian cities are already full of new generation Volkswagen Tiguan drives. But on the official website of the company they also sell a car of the previous generation at a price of 1,329,000 rubles. True, the conditions for buying each specific car will have to be discussed individually. It is no coincidence that on the online showcase of the official site of Volkswagen in Russia there are offers that are cheaper than the designated mark, and given the change of generations, there is a possibility of finding a well-equipped car for optimal money that fits within the state program of the preferential generation. Of course, if you are not confused by the already irrelevant body.
The existence of the state program of preferential car loans as an institution, and especially the increase in the maximum price of a loaned car, are certainly positive factors. The program itself stimulates the market, supports jobs, helps to update the vehicle fleet, indirectly affecting safety road traffic... The increase in the price limit expands the boundaries of models and trim levels possible for purchase. If, before the upgrade, the C-class models were included in the program only in modest trim levels, the cars of the D segment were rather an exception, and the list of crossovers is rather scarce, then after the increase in the limit to 1,450,000 rubles, the possible configurations in the C-group were noticeably enriched and the list of models in crossover and category D. However, if the program does contain non-public conditions and restrictions, excluding some manufacturers from the struggle and limiting the list of cars participating in the program by VIN codes (which essentially means quotas), there is a risk of encountering difficulties in acquiring in practice. Fortunately, some car manufacturers offer alternative loan programs, the terms of which can sometimes be even more favorable.
Preferential car loan with state support in 2017 conditions and a list of cars.
The state program for subsidizing car loans in 2017 is a program designed to increase demand for domestically produced cars. In 2017, state support for car loans for new and used cars with the help of banks will continue.
What will be the government subsidies for car loans in 2017? Which banks will participate in the program? What cars are covered by state support next year? We will try to answer these and some other questions in this article.
Preferential car loan with state support in 2017. What is the essence of preferential car loans?
The main goal of the state support program is to help the Russian auto industry to increase demand for domestic cars... Customers who purchase a car under this program will receive a discount.
Thus, if the size of the standard interest rate is, for example, 15.5%, then when participating in the program, the rate will be reduced to 10%. The state assumes responsibility to compensate the borrower for a part of the car loan payments. This means that the car buyer will pay the bank less than 2/3 of the Central Bank's refinancing rate.
Recall that the peak in demand for buying cars on credit was observed in 2011. After banks tightened requirements for borrowers, as well as increased interest rates on loans, demand began to fall sharply. In general, the size of the interest rate depends on many conditions, including - on a specific bank, car brand or on the term of the loan.
Preferential car loan with state support in 2017. Where is the program active?
Today, the program of preferential car loans is successfully operating in large Russian cities - Moscow, Nizhny Novgorod, Novosibirsk, Volgograd, Yekaterinburg, Kazan, Samara, Ufa, Chelyabinsk, as well as in Rostov-on-Don, St. Petersburg, Omsk and many others. Subsidizing car loans in 2017 will continue to work in these cities.
Please note that the borrower, choosing from a variety of offers, needs to take into account that the more documents he provides to the bank, as well as the shorter the loan repayment period, and the higher the down payment on it, the lower the loan rate.
In addition, it should be borne in mind that the total cost is also affected by the cost of CASCO or OSAGO insurance policies.
Preferential car loan with state support in 2017. Banks' requirements for borrowers
When contacting a bank to obtain a car loan, you will need to clarify the list required documents and familiarize yourself with the requirements for borrowers. In 2017, a car loan with government subsidies will be issued in most banks to the following borrowers:
age: 21-65 years old;
Russian citizenship;
Russian registration;
official employment;
work experience - at least three months;
the size of the down payment - from 15%;
positive credit history.
Requirements for borrowers may differ slightly depending on the bank.
When concluding a loan agreement with a bank, be sure to read the repayment terms and hidden interest.
Auto loan subsidy program in 2017: list of banks
You can buy a car on credit with government support at VTB-24, Rosselkhozbank, as well as at the Bank of Moscow, Unicredit Bank, Rosbank and other credit institutions.
In 2014 the most lucrative loans offered by Gazprombank and VTB-24 Bank, Rosselkhozbank and Sberbank of Russia. Who will become the leader in lending this year is still unknown.
For those who plan to purchase a car with state support in 2017, we advise you to familiarize yourself with the list of banks participating in the state program of preferential car loans in the table below:
Car loan with state support 2017: list of cars. Can I get a preferential car loan in 2017?
Subsidies are provided to credit institutions in the amount of lost income arising from the provision of discounts when granting loans to individuals (borrowers) for the purchase of cars and insurance of the collateral, subject to the following conditions:
Please note that the term for issuing preferential car loans is limited to December 31, 2017, i.e. in 2017 you can get government support.
The program does not apply for 2018 yet. However, don't be upset about this. The program of state subsidies for car loans was first introduced in 2009 and has been extended several times. For example, the program was extended for 2017 only from May 19, 2017. Those. it is possible that the program will be extended into 2018 as well.
Note. If the program of preferential car loans is extended, this article will be supplemented.
Car loan with state support 2017: list of cars. What kind of discount can you get with a subsidy?
The lending rate provided for in the loan agreement is determined as the difference between the rate of the credit institution in effect on the date of the loan and:
two-thirds of the key rate of the Central Bank of the Russian Federation, in effect at the date of the loan, for loan agreements concluded in 2015 or 2016;
a discount of no more than 6.7 percentage points - for credit agreements concluded in 2017.
In 2017, the discount on a concessional loan is 6.7 percent.
Note that this is the maximum value. In practice, some banks may offer a smaller discount. However, this does not make much sense, since the discount is compensated by the state in any case.
For example, if Ulybka Bank issues car loans at 15 percent per annum, then taking into account government support, the interest rate for the driver will be
Car loan with state support 2017: conditions and a list of cars. Which cars are covered by the state support program in 2017
Most often, drivers try to find a list of cars containing specific models and brands. However, there is no such list in the Government Resolution. Only general requirements that the car must meet are listed:
The total mass of the purchased car does not exceed 3.5 tons, and its cost:
no more than 1,000 thousand rubles - for cars purchased in 2015;
no more than 1150 thousand rubles - for cars purchased in 2016;
no more than 1,450 thousand rubles - for cars purchased in 2017;
The purchased car at the date of the loan was not registered in accordance with the legislation of the Russian Federation and was not owned by any individual;
The purchased vehicle was produced:
in 2015 or 2016 - for vehicles purchased in 2015 or 2016;
in 2016 or in 2017 - for vehicles purchased in 2017;
| Brand | Ident. vehicle number (VIN) | Model |
| Chevrolet | X9L | Niva |
| Chevrolet | , XUF | Cruise |
| Fiat | XU3 | Albea |
| Fiat | XO3 | Doblo |
| Fiat | Z7G | Ducato |
| Ford | X9F | Focus |
| Kia | XWK | Spectra |
| Lada | XTA | 1117, 1118, 1119, 2105, 2107, 2111, 2112, 2113, 2114, 2115,2121, 2131, 2170, 2171,2172 |
| Lada | XWK | 2104 |
| Lada | X7D, Z7Z | 2107 |
| Lada | X7Y | 2114 |
| Lada | X98 | 2329 |
| Renault | X7L | Logan |
| Skoda | XW8 | Fabia, Octavia |
| UAZ | XTT | Hunter, Patriot, Pickup |
| UAZ | XU1 | Hunter, Patriot |
| UAZ | XTT | 2206, 2860, 3303, 3741, 3909 |
| GAS | X96 | 2217, 2310, 2705, 2752, 3221, 3302 |
| Volga | XTH, X96 | Sieber |
| Izh | XWK | 2717 |
| Hyundai | X7M | Sonata, Accent |
| TagAZ | X7M | Tiger, LC100, Road Partner |
The car must meet the following requirements:
The cost is up to 1,450,000 rubles.
The total weight does not exceed 3.5 tons. Those. we are talking about vehicles of category B (both passenger cars and trucks).
The car is new.
The car was produced in 2016 or 2017.
The most important factor in this list is the cost of the car. You can get state support for lending when buying any car, the cost of which does not exceed 1.45 million rubles. This list includes cars of various brands and models.
Note. If the car costs a little more than 1.45 million rubles, then you can bargain at a car dealership.
For example, let the price of a car be 1.5 million rubles. If you know how to bargain and can bring down the cost of a car by 50,000 rubles to 1.45 million rubles, then it will be possible to buy such a car under the concessional lending program.
Those. the decisive factor is the actual purchase price of the vehicle.
Car loan with state support 2017: list of cars. Conditions for obtaining a car loan under the state program?
In addition to the bank's requirements for obtaining car loans, the Government Resolution provides for additional restrictions:
e) the loan is secured by the pledge of the purchased car;
e) natural person an advance payment of at least 20 percent of the cost of the purchased car has been made - for cars purchased in 2015 or 2016;
g) the term of the loan agreement does not exceed 36 months;
Important conditions for obtaining preferential loans:
The down payment is at least 20 percent of the car's value. This requirement was applied until 2016, since 2017 you can take a preferential car loan without a down payment.
Loan term - no more than 3 years.
The state support program for car loans provides a good opportunity to purchase vehicle without significant overpayment. It is hoped that it will be extended for the next year as well.
Preferential car loan with state support in 2017. Last news
The Russian government has made changes to the procedure for granting subsidies for the implementation of preferential car loan programs. This is stated in the decree published on the government website.
The corresponding decree was signed by Russian Prime Minister Dmitry Medvedev. It amends Resolution No. 364 of April 16, 2015, which approved the rules for granting subsidies for preferential car loans.
According to the new changes, Russians planning to buy a car on credit this year will be able to get a 10% discount on its cost. The privilege will be provided to citizens with two or more minor children (program " Family car") And those who buy a car for the first time (First Car program).
As expected, the extension of the state support program for car loans in 2017 was preliminary announced. This was stated by Denis Manturov, head of the Ministry of Industry and Trade of the Russian Federation. However, it is possible that some adjustments will be made to the conditions of the state car loan program in 2017, or they will be significantly changed, the literal quotation of Denis Manturov sounds like this, - Naturally, in some form we will keep subsidies for the next year in order to support the auto industry and save already created capacities.
The program of state support for car loans in 2017 will be changed at the end of this year
In the meantime, it is known for sure that these changes will depend on the results of state support in 2016, or rather, depending on the degree of success of the state program in the opinion of analysts and, of course, representatives of the Russian government. “In the auto industry, to some extent the measures should be preserved, in which we will look at the possibilities and the results of this year,” Denis Manturov said. Of course, the state incentive program is bearing fruit, but its outcome will be known by the end of this year.
Also, the head of the Ministry of Industry and Trade noted the need to introduce incentive measures to increase demand for domestic products, because, as current practice shows, the potential of domestic car manufacturers is quite large, but relatively small demand for automotive products negates these opportunities. As measures capable of attracting interest in the Russian auto industry, Denis sees benefits on car loans, various discounts, as well as the entry of Russian automakers into new foreign markets.
While it is too early to talk about the main points of the state car loan program in 2017, it is expected that a new strategy for the development of the automotive industry will be ready in the 3rd quarter of 2016. Presumably, the emphasis will be placed on strengthening localization and growing exports of domestically assembled cars to foreign markets, and foreign automakers expect some correction of the existing imbalance in the program towards domestic automakers. Time will tell which of these ideas will be implemented and which will not.
* The information at the time of reading may be out of date. To discuss the note, visit our.
The credit rate for preferential car loans will be 1%! You were not mistaken in reading the title, and we were not mistaken in posting it. The Russian government plans to set the interest rate on car loans ...
