Salon Mas Motors actively cooperates with many credit organizations of Russia (more than three dozen partner banks). Thanks to the borrowed funds, customers becomes available noticeably more the lineup Foreign cars I. domestic productionthan just with your own accumulated money.
Potential customers are offered not only standard credit products (consumer and car loans), but also trade-in programs, installments, as well as government subsidies.
Conditions of the program "First car"
A new initiative to increase demand for new cars is based on the basis of existing state support programs. According to preliminary data, the state is ready to allocate up to 7.5 billion rubles. on support for car loans. Below are only general requirements without taking into account any specific credit products of individual banks that will issue loans to the population.
Requirements for a credited car- The cost of the car cannot be higher than 1 million rubles. (sum fully corresponds updated parameters common program of gossobsidation to buy new cars);
- Only new cars are credited (release year should be no less than 2016).
- The car must be assembled in Russia.
- The program makes the only mandatory requirement - the acquired car must be the first to the owner. This fact will be checked through the traffic police (the applicant has not previously issued a car) and through the bureau credit stories (did not make a car loan for himself);
- Restrictions on age and income - no;
- State support applies only to citizens of the Russian Federation.
- The buyer should have a driver's license on his hands.
- Minimum an initial fee -twenty%; It is possible without the initial contribution, but then the right to a discount on it is lost;
- Loan period may not exceed 36 months (3 years);
- The bank's rate on the car loan should not exceed 18% per annum.
More and more Russian banks and automakers join the programs of preferential car loans. « Family car» and "First car"Launched by this summer by the Government of Russia and the Ministry of Industry, as part of the Resolution of July 7, 2017 No. 808. The validity period of both programs is until December 31, 2017. Below are the main advantages that are provided to participants from both state programs when buying a car on credit with state support.
These programs were developed by the Ministry of Industry and Commissioner and launched by the government from the second half of 2017 in order to make cars more accessible to Russian families, as well as to support domestic automakers, for a long time experiencing financial difficulties due to falling demand for new vehicles on the background of abbreviation real incomes of the population. As a result, in the first months of the action of the state programs "Family" and "first car", car dealers in all regions of the country noted a significant increase in sales in the mass car segment.
Terms of State Program Family Car
Program participants are provided with the right to discount of 10% of the cost of the acquired carwhich is compensated by the banks to the participating subsidies. Participation in new state programs before December 31, 2017, citizens may be accepted:
- having two or more juvenile children - "Family car";
- acquisition cars in ownership for the first time - "First car".
The first state program for many Russians incorrectly associated With the previously proposed program "Car for a large family" (that is, for families with three children and more). Also, the "Family Car" credit program launched by the government has nothing to do with the second child (for a long time, it is discussed by the possibility of using maternal capital to buy a car, including in 2017).
However, all the specified categories families having two or more children under 18can take part in the new state program until December 31, 2017 and acquire a new passenger car worth up to 1.45 million rubles on a loan with a discount of 10% at a preferential interest rate (and no and for this no need).
In total this year on preferential car loans with state subsidy under these programs it is planned to implement not less than 58.35 thousand cars. By order of June 29, 2017 No. 1369-P on the relevant goals, the Government of the Russian Federation allocated a fund of funds in the amount of 3.75 billion rubles. In just the first 2 months of the program, more than 16 thousand machines have already been sold (in other words, the program is now in full swing and to participate in her families with children still enough).
It is noteworthy that programs act in conjunction with the emercted by state subsidies of car loans, which further provides lower interest rates by 6.7% From the basic value when buying cars 2016 and 2017 release (the maximum final rate in this case will be no more than 11.3%).
Mandatory program condition - The borrower should not conclude in 2017 other loan agreements for the purchase of a car (including until the moment of handling). The corresponding fact is verified through the Bureau of Credit Stories.
What banks are involved?
Both state programs are credit. The mechanism of their implementation is the provision through banks approved by the Government as participants in the program, preferential automotive loans, in which a discount of 10% of the car's value in the form of compensation from the state budget for the cost of payment of the initial fee. Thanks to this family, having 2 or more minor children, can get such car loan at all without paying an initial contribution (It in the amount of 10% of the bank shall pay the state).
List of participating banks "Family Car" programs and "First car"published On the official website of the Ministry of Industry and Communist Party and periodically replenished. Large banks with a wide federal network represent Netskel Bank (a subsidiary of Sberbank, specializing in car loans), VTB24, Uralsib Bank, Sovcombank, Rusfinance Bank and others (for now, only 15 credit institutions have been announced).
- Nethel Bank LLC (belongs to Sberbank and specializes in road and consumer lending);
- PJSC "VTB24";
- LLC "Volkswagen Bank Rus";
- JSC MS Bank Rus;
- PJSC "Bank URALSIB";
- PJSC NKB "Radiotehbank";
- JSC "Tatsozzbank";
- PJSC "Sovcombank";
- PJSC Sarovbusinessbank;
- PJSC Akb "Energobank";
- JSC RN Bank;
- PSA Bank Finance Rus LLC;
- Rusfinance Bank LLC;
- PJSC "Plus Bank";
- JSC Gazbank.
Most of these participating banks are possible preferential credit without the initial contribution. The maximum loan period is 36 months.
Which cars fall under the program
The acquired car should be new (2016 or 2017 release), no more than 1.45 million rubles (taking into account the cost of insurance) and should be collected in Russia. Under these criteria falls:
- the whole range of traditional Russian car Marksthat release new cars in 2016 and 2017 (Lada, UAZ);
- foreign cars collected on the AvtoVAZ conveyors and Lada Izhevsk ( Nissan Almera., Datsun);
- cars of Chinese brands produced in Karachay-Cherkessia at the Deriver Plant (Brilliance, Chery, Lifan, etc.);
- other foreign cars russian production worth up to 1450000 rubles ( Chevrolet Niva., cars Ford., Renault and Nissan, several skoda models and Volkswagen, Korean cars marks Hyundai. and kia, etc.)
More detailed information On specific models of cars involved in the program of preferential car loans in 2017, check with your car dealer.
How to issue a preferential car loan by state program
For a preferential purchase of a car, you must contact the car of interest to the manufacturer or directly into the center of automotive lending at the selected credit institution.
In the first case, the Buyer will first need to make sure that the car dealership collaborates with the banking bank subsidy program (for this it will be necessary to check the list of partner dealers on the website of the credit organization).
Further, the procedure for obtaining a preferential car loan is standard, but in addition to the traditional set of documents (in most cases, car loan is executed upon presentation of a passport, certificates of income and driver's license) will be necessary:
- the participant of the "Family Car" program will need to provide children's birth certificatescontaining a borrower in the fields about one of the parents (if necessary, also documents confirming the change of the borrower's surname, such as marriage certificate).
- customers wishing to make a loan under the program "First Car" also waiting check on the databases traffic police For the presence of other machines.
Purchase motor vehicle It requires not only a serious approach from the owner, but also significant cash costs. To reduce the monetary load, many are trying to use car loan service. But this method of buying transport does not make an affordable car purchase absolutely for all citizens. To make the process of buying a car easier and support domestic producer Government support comes to the help of the borrower. Those who are buying a car for the first time can take advantage of the unique state program. To participate in it, you need to know the conditions of the state program "First Car" in 2019. The program has become available 1 year ago.
You can take advantage of the state program. Absolutely any citizen of our country, who solved the workers of the car vehicle first. The buyer can get a discount on the cost of the vehicle up to 10%.
At the same time, the following points should be taken into account:
- the car should be the first in the life of the motorist;
- the price of vehicles should not exceed one and a half million rubles;
- full maximum mass the car should not be more than 3,500 kilograms;
- auto must be assembled in the territory Russian Federation;
- calculate the car loan is necessary within 36 months.
What is needed to participate in the program
In order to take part in the state program for the purchase of a car, you must first contact a car dealership or a bank, where experts will be familiar with all the rules of participation in the program.
The participant must comply with the following requirements:
- have a driver's license;
- be a citizen of Russia;
- do not own other motor vehicles.
Those money that allocates the state on this program You can spend on the initial contribution of the loan for the vehicle, or to reduce the basic body of the loan. At the same time, if you buy cars for cash, it is impossible to participate in the program.
What documents are needed
To participate in the program with state support for the purchase on credit of its first vehicle, you need to collect the following documents:
- original passport;
- help with wages;
- documents on the absence of another TC;
- labor book certified by the employer;
- SNILS.
Instruction
After you confident that come under all the requirements for participation in the program, you can proceed to active actions.
- Apply for credit to the banking institution or directly to the car dealership. It is worth noting that not all banks support this state program, so before it needs to be clarified on the official website of the selected bank. Also not all car salons participate with banks that support the program. So in any case, it is worth learning everything in advance.
- It is necessary to provide all the required documents to verify all data.
- After that, a specialist will contact you and will announce the decision of the bank or car dealers about your application. If you heard a positive answer, then be prepared to write a challenge that you will not get other TCs within the following 12 months.
- Complete loan with state support.
After registration of the loan agreement, you become the owner of your chosen vehicle. But at the same time you will not be able to put it on sale until you pay on the loan.
Like a program for a long time
Last year, funds that are laid in the program from the budget were spent in 3 months. At the moment, the program is valid until 2020, provided that the allocated money is not completed earlier.
What motor vehicles can be bought on the state program
According to this program, the participant can only buy a new vehicle. Supported cars can not be purchased within the framework of the dominant project. The price of a car should not be more than one and a half million rubles.
In order for the process of choosing its first car to be easier, the state allocated some models of vehicles that can be bought by a program.
With an updated list of cars, you can find on the official website of the Ministry of Industry RF.
Do I need to pay tax
From this year, the program participant is not obliged to pay NDFL for the purchase of a new vehicle. The program is aimed at maintaining citizens of the state and stimulating sales. domestic cars. Therefore, all acquisitions within the framework of the program are not subject to tax fees. .
What has changed in the program compared to last year
In 2018, the rules and requirements for the state program changed a little.
2017 program
- Car price up to 1450,000 rubles.
- It is necessary to pay ndfl.
- Benefit in the form of a 10% discount.
- Only new cars are involved.
2018 program
- The cost of vehicles increased to 1500,000 rubles.
- Cancel payout NDFL.
- State benefit is 10% of the cost of the car.
- You can only buy an unused car.
Advantages of the state program
Program state support It has a huge number of advantages.
- In this program, any citizen of our country can take part in this program, which plans to buy a vehicle on credit for the first time. At the same time, he must first finish the driving school and get the driver's license of the established sample.
- A 10% discount on the program can be summed up with other offers of a car manufacturer or car dealers.
- You can close the car loan with the provision of state support at any time, even in a few days. At the same time, the overpayment of interest will be minimal, and the owner of the new car will only pay a percentage of the loan for several days.
Disadvantages of the program
In addition to the pros, the state program has several minuses.
Is it possible to participate immediately in two programs: "The first car and family car"
Participation in two programs is simultaneously impossible, it is necessary to choose exactly the one that suits you and your family.
Is it possible to use the recycling program and the first car program
In 2018, one of the main conditions of the program is the primary acquisition of the vehicle. That is, the motorist cannot become its participants, if there was a vehicle earlier in his possession. Therefore, it is not realistic to take advantage of these programs.
What regions / cities participate in the state program
Not in all regions of the country there are bank institutions that participate in the program. Your new first car can be purchased in the following major cities:
- Kazan;
- Moscow;
- Nizhny Novgorod;
- St. Petersburg;
- Volgograd;
- Samara;
- Yekaterinburg;
- Novosibirsk and other major cities.
You can see the banks that provide a loan to buy a car in your area together with the state program can be clarified in the banking institution itself. At the same time, the largest institution that is located almost in all regions is Sberbank, it also supports the auto loan subsidy program.
If a member of the program found several bank institutions in his city, which support this state program, then it is necessary to carefully examine the terms of the programs and choose the one that is suitable for you. What to pay attention to:
- interest rate;
- conditions of early repayment;
- the size of the first contribution for the vehicle.
Is it possible to make the salon sell a car using state support
If in auto Salon you are told that he does not support the terms of the program, then make it sell a car by preferential conditions will not work. Support for the auto show of this program depends on business relations with project participating banks. In this case, it is better to find another salon or contact your bank directly.
Age restrictions
By law, all persons who have driver's license And never had a car owned. About the age limitations in the law nothing is said. Then let's try to guess yourself. Driver's license You can get only after the age of majority. The maximum age of the participant of the program may indicate the creditor bank, because it is in their rules that age restrictions on the provision of credit products are prescribed by citizens, usually this age is 60-65. As a result, it turns out that the program can take part in 18 to 65 years.
Is it possible to participate in the state program if the first car was inherited
Under the terms of the program, a citizen should never be vehicle. At the same time, how he became the owner of the car is not important. The car, which was inherited, is considered the property of a citizen, which contradicts the established rules to participate in the program.
Whether the insurance is needed
Practically in any bank when making a loan impose a service life insurance service, saying that it is necessary. According to the laws of the Russian Federation, the borrower has the right to refuse to insure life, and the bank cannot refuse to provide credit funds. If you already insured life, you can terminate the contract with an insurance company unilaterally within 10 days.
Important
- To participate in the program it is necessary to be a citizen of the Russian Federation.
- Participant age from 18 to 65 years.
- Not in all regions of Russia it is possible to participate in the program.
- Not all banks give a loan using the Citizens Support Program.
- The car should be new.
- The cost of the car should not exceed one and a half million rubles.
- To find out which models of the car can be purchased according to this program you can clarify on the website of the Ministry of Industry. At the same time, the list is constantly updated.
- The program is valid until 2020. But we must take into account that not everyone is enough for budget funds, so it is worth hurry.
- Participants in the program can be those citizens who have never owned a vehicle.
- It is impossible to participate simultaneously in several programs from the state to buy a car. Discount subsidy is not cumulative, so you need to choose one of the existing projects.
- Ndfl this year not necessarily pay.
- Life insurance is an optional procedure. The borrower can refuse her or return funds within 240 hours.
- Participant state program Be sure to have a driver's license.
- Before applying for a bank, you must make sure whether it supports the program. And also carefully familiarize yourself with all the terms of car loans.
- Early repayment of the loan when buying a car with state support is available to the borrower at any time, while it will pay interest only during the use of credit funds.
State program first car conditions Updated: January 16, 2019 by the author: admin.
