Many banks began to fulfill the instructions of the government to launch new preferential car lending programs, including "" and "". The idea of \u200b\u200bincreasing the possible maximum cost of the car appeared in March, but it was possible to carry it through all the relevant authorities only after a while. The previous amount of 1 million 140 thousand rubles did not allow buying a really spacious one due to the fact that this amount included insurance, and now, when the upper bar is set at 1 million 450 thousand rubles, this problem has disappeared. It is also worth noting that the maximum rate will be 11.3% per annum.
By the end of the year, the government of the Russian Federation has allocated 3 billion 750 million rubles for the programs and it is planned to sell at least 58 thousand cars, which looks quite optimistic, because according to the Association of European Businesses, an average of 140 thousand cars are sold in Russia per year.
Which banks issue soft loans with state support?
The same as before, among the largest - VTB24 and. VTB representatives said that as of July 20, 300 applications for loans under the "" and "" programs were under consideration. The bank (a subsidiary of Rosbank) announced about the same figures, while the Cetelem bank (an element of the Sberbank structure) reported only 75 applications in total for all programs. However, the latest nuances of the preferential program were approved in the current month of July, and therefore it can be expected that the number of banks participating in state program car loans will gradually increase.
How to get a car loan: step by step instructions
- First, you need to find out whether the salon where you are going to buy a car cooperates with the bank where you want to get government support. Although each bank publishes lists of partner dealers on its website, so it will not be difficult;
- Second, confirm that you are eligible for benefits programs. " Family car»- it is necessary to provide birth certificates of two children who at the time of receiving the loan have not yet reached the age of majority. "First car" - you need a certificate from the traffic police, as well as data on your credit history. We will warn you right away - if you have a motorcycle or moped, but have never had a car, then the presence of a two-wheeled vehicle cannot be used as a condition for refusing preferential car loan with a 10% discount;
- Third, decide on the interest rate. And here is the most difficult part. Most banks offer car loans at 15-17% per annum, but you need to find an option when the bank offers an interest rate of 11.3% or less. In addition to preferential terms, you will receive a 10% discount on the cost of the car. This means that instead of the first installment, you can pay any amount (or even at all), to which the state will add a payment of 10% of the cost of the car.
Recall that if earlier initiatives allowed you to purchase any number of cars and everything depended on your financial capabilities, then the First Car benefit will be available once in a lifetime, and the Family Car benefit - once a year, subject to repayment of the previous soft loan.
What is the best interest rate?
The one that in total will make you overpay the least for the loan term specified in the agreement. Please note that some automakers, such as Ford, offer their own preferential programs that add up to government ones. It is also advisable to ask the bank representatives about the possibility of the subsequent resale of the car or change of the insurance plan. But experts recommend focusing on choosing the most favorable interest rate, and suggest starting from the car model that you need, and already looking for the most favorable conditions in different banks, because the car is planned to operate for more than one year.
Purchase auto vehicle requires not only a serious approach from the owner, but also significant cash costs. To reduce the monetary burden, many try to use the car loan service. But even this way of buying transport does not make it affordable for absolutely all citizens to buy a car. To make the process of buying a car easier and more supportive domestic manufacturer state support comes to the aid of the borrower. Those who buy a car for the first time can take advantage of a unique government program. To participate in it, you need to know the conditions of the state program "First Car" in 2019. The program became available 1 year ago.
Any citizen of our country who has decided to purchase a vehicle for the first time can use the state program. The buyer can get a discount on the cost of the vehicle up to 10%.
In this case, it is worth considering the following points:
- the car must be the first in the life of a motorist;
- the price of vehicles should not exceed one and a half million rubles;
- complete maximum weight the car must not be more than 3500 kilograms;
- the car must be assembled on the territory of the Russian Federation;
- you must pay off your car loan within 36 months.
What you need to participate in the program
In order to take part in the state program for buying a car, you first need to contact a car dealership or bank, where specialists will familiarize you with all the rules for participating in the program.
The participant must meet the following requirements:
- have a driver's license;
- be a citizen of Russia;
- do not own other vehicles.
The money that the state allocates for this program can be spent on an initial fee on a loan for a vehicle, or to reduce the main body of the loan. Moreover, if you buy a car for cash, participation in the program is impossible.
What documents are required
To participate in the program with state support for buying your first vehicle on credit, you need to collect the following documents:
- original passport;
- certificate from work on wages;
- documents confirming the absence of another vehicle;
- work book certified by the employer;
- SNILS.
Instructions
Once you are sure that you meet all the requirements for participation in the program, you can start taking action.
- Apply for a loan to a banking institution or directly to a car dealership. It is worth noting that not all banks support this state program, so before that, you need to clarify participation on the official website of the selected bank. Also, not all car dealerships participate with banks that support the program. So, in any case, you should find out everything in advance.
- All required documents must be provided to verify all data.
- After that, a specialist will contact you and announce the decision of the bank or car dealership regarding your application. If you hear a positive answer, then be prepared to write a statement of commitment stating that you will not purchase other vehicles for the next 12 months.
- Get a loan with state support.
After completing the loan agreement, you become the owner of the vehicle of your choice. But you will not be able to put it up for sale until you pay off the loan.
How long will the program last?
Last year, the funds included 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 does not end early.
What vehicles can be bought under the state program
Under this program, the participant can only buy a new vehicle. Supported cars cannot be purchased as part of a state supporting project. The price for a car should not be more than one and a half million rubles.
To make the process of choosing your first car easier, the state has identified some vehicle models that can be bought by the submitted program.
The updated list of cars can be found on the official website of the Ministry of Industry and Trade of the Russian Federation.
Do I need to pay tax
From this year, the program participant is not obliged to pay personal income tax for the purchase of a new vehicle. The program is aimed at supporting citizens of the state and stimulating sales domestic cars. Therefore, all acquisitions under the program are tax-free. .
What has changed in the program compared to last year
In 2018, the rules and requirements for the state program changed slightly.
2017 program
- Car price up to 1,450,000 rubles.
- You must pay personal income tax.
- Discount in the form of 10% discount.
- Only new cars participate.
2018 program
- The cost of vehicles increased to 1,500,000 rubles.
- Cancellation of personal income tax payments.
- State incentive 10% of the cost of a car.
- You can only buy an unused car.
Benefits of the state program
Program state support has a huge number of advantages.
- Any citizen of our country who plans to buy a motor vehicle on credit for the first time can take part in this program. In this case, he must first graduate from a driving school and obtain a driver's license of the established form.
- The 10% discount under the program can be combined with other offers of the car manufacturer or car dealership promotions.
- You can close a car loan with a state support program at any time, even after a few days. At the same time, interest overpayments will be minimal, and the owner of a new car will only pay a percentage for using the loan for several days.
Disadvantages of the program
In addition to pluses, the state program has several minuses.
Is it possible to participate in two programs at once: "First car and Family car"
Participation in two programs at the same time is impossible, you need to choose the one that suits you and your family more.
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 initial purchase of the vehicle. That is, a motorist cannot become its participants if he previously owned a vehicle. Therefore, it is not realistic to use these programs.
Which regions / cities participate in the state program
Not all regions of the country have banking institutions that take part in the program. Your new first car can be purchased in the following major cities:
- Kazan;
- Moscow;
- Nizhny Novgorod;
- St. Petersburg;
- Volgograd;
- Samara;
- Ekaterinburg;
- Novosibirsk and other large cities.
To find out if there are banks in your region that provide a loan for the purchase of a car in conjunction with the state program, you can check with the banking institution itself. At the same time, the largest institution, which is located in almost all regions, is Sberbank, it also supports the car loan subsidy program.
If a program participant has found several banking institutions in his city that support this state program, then you need to carefully study the conditions of the programs and choose the one that suits you. What to look for:
- interest rate;
- conditions of early repayment;
- the amount of the first installment for the vehicle.
Is it possible to force a salon to sell a car using state support
If the car dealership tells you that he does not support the terms of the program, then you will not be able to force him to sell the car on favorable terms. Dealership support for this program is dependent on business relationships with the participating banks. In this case, it is better to find another salon or contact the bank directly.
Age restrictions
By law, all persons who have driver's license and have never owned a car. The law does not say anything about age restrictions. Then let's try to guess for ourselves. Driver's license can be obtained only after the age of majority. The maximum age of the program participant can be indicated by the creditor bank, because it is in their rules that age restrictions on the provision of credit products to citizens are spelled out, usually this age is 60-65 years. As a result, it turns out that persons from 18 to 65 years old can take part in the program.
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 have a vehicle. At the same time, how he became the owner of the car is not important. A car inherited by inheritance is considered the property of a citizen, which contradicts the established rules for participating in the program.
Is life insurance necessary
In almost any bank, when applying for a loan, they impose a life insurance service on the borrower, 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 at the same time cannot refuse to provide credit funds. If you have already insured life, you can terminate the contract with the insurance company unilaterally within 10 days.
Important
- To participate in the program, you must be a citizen of the Russian Federation.
- The age of the participant is from 18 to 65 years old.
- It is not possible to participate in the program in all regions of Russia.
- Not all banks provide loans using the citizen support program.
- The car must be new.
- The cost of a car should not exceed one and a half million rubles.
- You can find out which car models you can buy under this program on the website of the Ministry of Industry and Trade. The list is constantly updated.
- The program is valid until 2020. But we must take into account that not everyone has enough budgetary funds, so you should hurry up.
- Those citizens who have never owned a vehicle can become participants in the program.
- It is impossible to participate simultaneously in several programs from the state for the purchase of a car. The subsidy discount is not cumulative, so you need to choose one of the existing projects.
- Personal income tax is not required this year.
- Life insurance is optional. The borrower can refuse it or return the funds within 240 hours.
- The participant of the state program must have a driver's license.
- Before applying to the bank, you need to make sure whether it supports the program. And also carefully read all the conditions of car loans.
- Early repayment of the loan when buying a car with state support is available to the borrower at any time, while he will pay interest only for the days of using the loan.
State program first car conditions updated: January 16, 2019 by the author: admin
The work of the Government of the Russian Federation to stimulate the economic activity of citizens is a complex and multifaceted process. An example of this is the state support program "Family Car". The essence of the event is to assist citizens raising two or more children in purchasing a vehicle for family use. But this is only the "first plan". The impact of the program on the domestic market is much deeper.
Let's consider how to take advantage of the preference, for whom it is being introduced, what gives people and the country as a whole.
Legal basis
The terms of the Family Car program have changed several times. The developers strive to reach as many Russian citizens as possible with the events.
Measures to assist families in purchasing a car were approved by Decree of the Government of the Russian Federation No. 808 of 07.07.17. The normative act has been extended for 2018, which shows the effectiveness of investing funds from the treasury. However, serious changes have been made to the decree that expand the opportunities for program participants.
Download for viewing and printing:
It is allowed to take advantage of the state program several times, provided that the applicant meets the requirements.
Attention: since 2018, income tax is not levied on the state subsidy for the purchase of a car.
What are the activities for?
The essence of the program is to provide financial support to buyers of products from the domestic auto industry. The logic of the developers is as follows:
- families raising two or more minors cannot always allocate money to buy a car;
- parents need a car to organize a normal life for their children;
- a small amount of help from the treasury relieves part of the financial burden from parents, therefore, they will try to invest money in the necessary transport;
- in this way it stimulates:
- parental activities to improve the lives of children;
- the activity of financial institutions issuing car loans;
- production of the domestic auto industry.
Do you need on this issue? and our lawyers will contact you shortly.
Basic conditions
- relatives;
- adopted;
- wards.
Mom or dad who meet the following criteria can declare their desire to become a participant in the state program:
- officially married;
- having a driver's license;
- raising two or more offspring:
- minors;
- up to 23 years of age studying full-time;
- applied for a loan in a financial institution working with a budget.
Assistance is provided on the following terms:
- the purchased vehicles were produced in the territory of the Russian Federation;
- its cost does not exceed 1.45 million rubles;
- weight is limited to 3.5 tons;
- age - no more than a year.
For example, if a family wants to buy a car for 1.0 million rubles, then it will receive 100,000.0 rubles from the budget. And for the remaining 900,000.0 p. have to get a loan. The principal debt, of course, will be charged with interest and insurance payments. Buyers will have to cover them on their own.
What vehicles are subject to the conditions of the state program
Limitations on the cost of the car are specified in the regulations It should be borne in mind that the price is formed taking into account the payment of insurance. In 2018, the list of vehicles has been expanded. It included some inexpensive SUVs, since not everyone is satisfied with low-budget cars.
Thus, the following models fall under the criteria of the state program:
- Polo and Jetta, manufactured by Volkswagen;
- sUV from Hyundai Tucson, as well as smaller models of the company: Solaris and Elantra;
- most of Ford and Keo models;
- domestically assembled cars from Lada, UAZ and Renault-Nissan;
- Octavia and Rapid assembled at Skoda factories.
Features of the implementation of activities
To understand how to use the privilege, you need to understand the methodology for implementing the Resolution of the Government of the Russian Federation. The developers have come up with a mechanism that can interest not only buyers, but also manufacturers. Its essence is as follows:
- The contract with the state for participation in the program is concluded:
- enterprises assembling within the Russian Federation;
- firms engaged in the sale.
- The former implement the contract through their own car dealerships, the latter also carry out work to provide citizens with privileges.
In practice, the work is carried out as follows:
- The buyer declares his desire to receive a preference in a car dealership.
- The seller informs the person about the currently available discount offers.
- If citizens qualify for the “Family Car” event, they are invited to write an application.
- The appeal should be documented.
- The car dealership employees send a package of documents to the government agency with which the company has signed an agreement.
- Government officials conduct a review of the compliance of applicant data with regulatory requirements.
- The answer is sent to the person within a month: by letter or SMS.
What documents will be required
An applicant for a preference must demonstrate full compliance with the regulatory requirements (listed above). This will require the following documents:
- passport of a citizen of the Russian Federation;
- certificates of underage offspring about the birth (at least two);
- court decision on adoption;
- decision of the guardianship authority to place the child in the family;
- marriage certificate or a document confirming the absence of a spouse.
In some situations, more references are required. For example, a single mother is obliged to confirm the status with a certificate from the registry office that the father is inscribed according to her words (for each offspring). If the family brings up children from different marriages, then it will be necessary to confirm the change of the mother's surname with certificates of the breaking of the previous ties. On young man up to 23 years old, receiving full-time education, a certificate is taken from an educational institution.
Attention! The authorities are required to verify the following information:
- the presence of legal ties between parents and children within the framework of the Family Code;
- lack of court decisions to revoke or limit parental rights;
- living of minors with mom and dad;
- other.
In addition, civil servants are asking banks if the family has an outstanding car loan. Under the terms of the program, such assistance is not provided.
Another important limitation is spelled out in the Resolution. The applicant must have lived in Russia for at least three years. This fact is also verified. An applicant for help can proactively confirm the fact of residence in the country with an appropriate certificate (taken from the department of the Federal Migration Service).
How many times can you get state aid to buy a car?
The government limited the parents to only one factor - the timing of the car loan repayment. As soon as it is fully repaid, people will be able to issue new car with the participation of the state. Applicants will be able to receive assistance from the budget many times under the following conditions:
- absence of outstanding debt on the previous loan;
- the presence of two minors in the family.
Legal features and risks
The bank provides a loan for the purchase of a car. The Government of the Russian Federation limits the parties to the contract to a contract validity period of three years. In this case, the guarantor of the repayment of the loan is, among other things, a state body that signed an agreement with the bank.
Therefore, the citizen is somewhat limited in his rights:
- some financial institutions require a written commitment not to issue other loans during the term of the agreement;
- the applicant's financial history is carefully checked;
- government agencies control the implementation of the loan contract.
Recycling program
Reduce cost new car citizens can use the trade-in offer. Its essence lies in the sale of an old car to a recycling company. Such events are held on the territory of the Russian Federation also at the initiative of the Government. The aim is to renew the vehicle fleet and increase road safety.
Developers and enterprises operating in the domestic market have agreed to implement two different proposals for citizens:
- complete disposal;
- trade-in - purchases for the purpose of resale.
Car dealerships communicate with clients. They offer citizens discounts on new models, subject to the delivery of the old car. At the same time, the following requirements are imposed on the vehicle (TC):
- age no more:
- 10 years for disposal;
- 6 years for resale;
- the owner is the only one;
- the condition is normal.
The government has established quotas for the use of public money for the implementation of disposal activities. Up to 30% of all funding is allocated to the passenger segment. It is recommended to provide a discount to citizens in the amount of up to 50.0 thousand rubles. The exact amount is determined by the salon employees and depends on the model, condition and period of use of the vehicle.
How to dispose of an old car
The vehicle is accepted at a car dealership or at a recycling facility. The only condition is the purchase of a new model included in the program at the enterprise. Funds are not issued in cash for trade-in and disposal. The owner needs to prepare:
- passport of a citizen of the Russian Federation;
- technical certificate;
- a certificate from the traffic police on the removal of the car from the register (otherwise you will have to pay for additional services).
The transfer of the car to the trade-in salon is confirmed by the relevant act. A document is drawn up on the spot. If the transport is recycled, then it is taken to the enterprise. There, an acceptance certificate is drawn up, which is provided to the car dealership.
Which banks work with the state budget
State programs are designed so that the following parties take part in their implementation:
- financial institutions;
- vehicle manufacturers;
- sellers of finished products;
- citizens.
Controls all the regional branch of the federal government. In this case, the Ministry of Industry and Trade. But the connection between counterparties is carried out by banks. It is they who allocate money to guarantee the implementation of the multilateral agreement. The Government of the Russian Federation works with financiers. Moreover, the conditions put forward to clients are formed by bank employees on the basis of the agreements reached by the heads. For example, Sberbank in 2017 required a 15% down payment. But since the beginning of 2018, conditions have changed.
Due to the constantly changing situation in the global market, citizens need to do the following:
- in a car dealership to be interested in the list of financial institutions working with a budget;
- carefully study all offers;
- choose the most profitable.
Video about programs Family car, First car
July 29, 2018, 19:35 Mar 3, 2019 13:35 
Since July 2017, the Family Car and First Car programs of preferential car loans have been launched in Russia. The list of cars that can be bought under the new state programs is in the material of the portal
New state support programs provide for reimbursing citizens of the costs of payingdown payment of 10% the cost of the purchased car.They apply to car loan agreements concluded after July 1, 2017.
Conditions of participation in the programs "First car" and "Family car"
- Russian citizenship
- Driving license
- The absence of other loan agreements for the purchase of a car concluded in 2017 (confirmed by a credit report provided by the bureau credit histories)
- The obligation not to conclude other loan agreements for the purchase of a car in 2017 (confirmed by written statements of borrowers provided to the credit institution)
- To participate in the Family Car program, the borrower must have two or more minor children
- Only borrowers who have not previously owned a car can participate in the First Car program
According to these programs, it is possible to purchase car russian assembly cost up to 1450 thousand rubles... The number of cars is limited, so in case of high activity of buyers, the programs may end by the end of 2017.
What cars can already be bought by programs "Family car" and "First car"?
List of cars for programs "Family car" and "First car"
Ford
Ford Sollers has launched its own program to support families with children, the additional benefit of buying a car on credit for which will be 20,000 rubles, taking into account all the current proposals, the total savings reaches 260,000 rubles.
The program started on 13 July. It is designed for customers with at least two minor children. According to the terms of the program, the cost of the car must not exceed 1,450,000 rubles, and the purchase must be issued on credit at ford program Credit.
Offer valid for 5 ford models Russian production:
- Ford Fiesta
- Ford focus
- Ford EcoSport
- Ford Kuga
- Ford mondeo
Those wishing to purchase a Ford under the Family car ford"will have to provide birth certificates of children.
The same models can be purchased under the First Car program.
It was the Ford car (the Kuga crossover) that became the first sold in Russia under the new state support program.
"AVTOVAZ"
Of course, AVTOVAZ products are traditionally in great demand:all models of the company were included in the number of participants in the new state programs of preferential car loans.
One of the most popular cars among novice drivers and the most affordable Lada is Grant's sedan in the "Standard" configuration. With a starting price of 389,900 rubles, the car will cost 351,000 rubles to the participants of the "First Car" state program (benefit - 38,990 rubles).
For members of the "Family Car" program, the best choice may be roomy Lada - sedan West and station wagon Largus. The price of the Largus starter version for the "First Car" and "Family Car" programs is 476,910 rubles (benefit - 52,990 rubles). The basic configuration of Lada Vesta (Classic, 549,900 rubles) is available to participants in state programs at a price of 491,310 rubles (benefit - 54,590 rubles).
"GM-AVTOVAZ"
At the time of buying Chevrolet niva for the programs "First car" or "Family car", taking into account the existing discounts on other car loan programs offered jointly with VTB-24 bank, the cost basic configuration will amount to only 502 thousand 200 rubles. The total savings on purchase reaches 85,800 rubles.
"UAZ"
The Ulyanovsk Automobile Plant also joined the implementation of new state programs.For individuals within the framework of support for preferential car loans, the programs "First Car" and "Family Car" are offered, under which you can purchase any car from the UAZ model line. Under the terms of these programs, customers can expect a 10% discount on the selected model. The discount provides for the compensation of a part of the down payment. Maximum benefit under the programs reaches 104,000 rubles.
Volkswagen
From the end of July volkswagen cars became available under the "First Car" and "Family Car" car loan programs.Car loan programs apply to cars worth up to 1 million 450 thousand rubles, produced in Russia in 2016 and 2017. The advance payment for the programs is from 25%, 10% of which the bank directly transfers to the dealership as a discount on the initial payment of the client.In the Russian line, two models correspond to the conditions of the program: polo sedans and Jetta.
Skoda
From 24 July skoda cars are available under the government programs of preferential car loans "First car" and "Family car".Programs combine with others valid shares brand, the press service of Skoda Auto Russia. Bet on consumer credit, provided by Volkswagen Bank Rus for a period of 12 to 36 months, will amount to 8.7%. The action involves cars worth up to 1 million 450 thousand rubles and produced in Russia. In the Skoda lineup, the program conditions correspond octavia models, Yeti and Rapid.
Hyundai
Hyundai Motor CIS, jointly with Hyundai Finance partner banks Cetelem Bank and Rusfinance Bank, announced their participation in new programs for the purchase of a car, taking into account the state program of preferential car loans - First Car and Family Car.According to these programs, buyers are provided with a subsidy for an initial payment of 10% of the cost of a car for buying new cars on credit Hyundai solaris and Creta. The client needs to make the minimum possible down payment stipulated by the terms of the loan program, and the state will add another 10% of the car's value, thereby reducing the loan amount.
Kia
There are 4 Kia \u200b\u200bmodels participating in the program:
- Rio previous generation
- new Rio
- Cerato
- Sorento
Both programs provide for a 6.7% reduced lending rate and the possibility of a zero down payment. Kia Finance partner banks under these programs offer a minimum rate of 6.0%.
Renault
Members of the new programs can purchase the following company models with additional benefit:
- Logan
- Sandero
- Sandero stepway
- Duster
- Kaptur
In this case, the proposals are added to the existing programs. For example, when buying Renault Logan the 1.6 liter Access version with MKP-5 worth 499,000 rubles on credit, the Renault Credit discount will be up to 62,000 rubles, and for the top version of Luxe Privilege - 93,000 rubles. The amount of the discount when buying Renault Sandero Stepway is up to 98,000 rubles, Renault Duster - 128,000 rubles and 148,000 rubles - for renault crossover Kaptur.
Nissan
Since the price of a car under state programs is limited to the amount of 1,450,000 rubles, part of the complete sets of the following models falls under its effect:
- Nissan almera
- Nissan terrano
- Nissan Sentra
- Nissan Qashqai
- Nissan x-trail
In addition to these programs, cars also continue to have subsidized interest rates: for Nissan Sentra - from 0% for 3 years, Nissan Almera and Terrano - from 5% for 3 years, Nissan Qashqai, X-Trail - from 8% for 3 years under the Nissan Finance "Prime Numbers" program.
Datsun
Datsun, together with RN Bank JSC, joined the new state car loan programs "First Car" and "Family Car". At the time of buying datsun cars on credit under these programs, customers get the opportunity to receive an additional benefit of 10% of the cost of the car in addition to current conditions Datsun Finance programs. Thus, the proposal of the state program and the financial program of the brand will be added together, according to the press service of Datsun.
For example, buying on credit Datsun on-DO version of Access 2017 release worth 442 thousand rubles under the Datsun Finance program, its price will be 412 thousand rubles. Additional benefit under the Family Car program - 41,200 rubles. Thus, the total cost of the car will be 370 thousand 800 rubles. When buying on credit Datsun mi-DO version Trust-1 with mechanical box programs of 2017 release worth 515 thousand rubles, according to the Datsun Finance program, its price will be 475 thousand rubles. The total cost of the "First Car" program (with an additional benefit of 47,500 rubles) will amount to 427,500 rubles.
Mitsubishi
JSC MC Bank Rus has started issuing car loans for Mitsubishi outlander under the state programs "Family Car" and "First Car". The discount for the programs is summed up with the trade-in benefits provided by MMC Rus, as well as with a special credit offer of 0% for 3 years from JSC MC Bank Rus. The total benefit for the client for all programs can be up to 400 thousand rubles.
Toyota
Toyota Motor has joined the government programs of concessional lending "First Car" and "Family Car". The programs apply to the two most popular models of the Japanese brand, which are always leading in their segments: toyota crossover RAV4 and Toyota Camry business sedan.
Thanks to special prices and / or a trade-in discount, a client has a choice of several camry trim levels and RAV4, which are subject to state programs. For a loan under the Toyota Bank programs, it offers a special reduced rate of 9.2%, and the initial payment can vary from 20% to 70%.
Cars of the Derways plant
Some cars of Chinese brands are produced in russian plant Derways, so they can also become participants in new programs. These are cars:
- Brilliance H230, H530, V5;
- Chery Tiggo 5, Tiggo FL;
- Geely Emgrand 7, Emgrand GT, Emgrand X7;
- Lifan Smily, Solano, X50, X60.
- The First Car and Family Car programs start on July 1, 2017
- New programs to support the automotive industry launched in Russia from July 1
- The government approved the terms of the First Car and Family Car programs
- Lada cars are available under the "First car" and "Family car" programs
- The first car under the "Family Car" program was sold in Russia
- Hyundai Solaris and Creta are available under new government support programs
Today in the country there are various federal programs aimed at improving the credit conditions for purchasing cars.
Preferential car loan programs have been operating in Russia since 2009. However, in 2013, programs covering the purchase of vehicles for preferential terms, was discontinued due to the unstable economic situation in the country.
The Family Car or First Car programs were reactivated in July 2017.
In early 2017, the First Car and Family Car programs were renewed on the following terms:
- A person wishing to purchase a car had to make an initial payment equal to 20% of its value;
- The maximum subsidized amount provided on a preferential loan could not exceed 750,000 rubles;
- The car purchased under the terms of the program could not be more than 3.5 tons;
- Lending was carried out in rubles;
- The age of a car purchased on a loan, subsidized by the state, had to be no more than a year;
- The maximum loan term is no more than 3 years.
Separate requirements were established for borrowers - the minimum age of a person had to be at least 21 years. The maximum age at the time of making the last payment is 55 years.
At the end of the year, the following statistics were generated, prepared by the Ministry of Industry and Trade: during the year, thanks to the federal program, 324,000 vehicles were purchased.
It should be noted that this indicator exceeded the forecasted result by 20%.
The National Bureau of Credit Histories (NBCH) has prepared its statements, according to which, the number of loans issued for the purchase of vehicles in 2016. increased by 44%.
Based on the data provided by AVTOVAZ, the number of cars sold under preferential programs was 50% of the number of cars produced.
KIA provided data according to which, thanks to preferential programs in 2016, sales of their cars increased by 25%. Hyundai sold about 28,500 vehicles thanks to preferential terms.
Preferential car loan programs in 2018
In 2018, the following programs will continue to operate on the territory of the Russian Federation, contributing to the preferential purchase of vehicles:
- A program for recycling old cars and getting a discount on the purchase of new vehicles;
- The program for the beneficiary of lending to borrowers who are doctors, teachers, employees of government agencies;
- A program for the provision of Russian-made cars and trucks to farmers and individuals with the status of an individual entrepreneur.
In 2017, two new preferential programs were launched aimed at purchasing cars on preferential terms in banking organizations:
- First Car program;
- Family Car Program.
The First Car program applies to persons who purchase a vehicle for the first time.
Conditions for purchasing transport in accordance with the specified program:
- The vehicle must be produced in the country. You can buy on preferential terms and foreign brand the car, however, is assembled, it should only be on the territory of the Russian Federation
- The car must not be older than 2016;
- The maximum cost of a purchased car cannot be more than 1,450,000 rubles;
- The maximum loan term cannot exceed 3 years.
The person also has requirements:
- Russian citizenship;
- The presence of a driver's license;
- No car ownership.
Program participants get the opportunity to take out a loan for more low interest (is about 8 - 11% per annum).
10% of the cost of the purchased transport is paid by federal funds. The program participant does not have to make the first installment on the loan.
One more new program preferential car lending is the provision of loans for the purchase of a vehicle to families who are recognized in the prescribed manner to have many children.
Family Car 2018 program, conditions
The federal preferential program "Family Car 2018" began on July 17 this year.
In order for a family to participate in the state program, it must first of all be recognized as having many children. The procedure for obtaining the appropriate status is provided for by legislative documents of the representative bodies (dumas, assemblies, parliaments) of the respective regions. The status is confirmed by a certificate of a large family.
The borrower must meet the following requirements:
- Russian citizenship;
- Availability of a document confirming the right to drive a vehicle;
- The presence of two or more children who have not reached the age of 18;
- Lack of a vehicle purchased in 2018.
note: If at least one of the children who are in the family is 18 years old, the family loses the right to participate in this program.
An exception is the child's admission to the full-time department of a higher professional institution, and the child's passage of military service in the army.
A family can purchase a car manufactured in 2017 or 2018.
The maximum cost of such a vehicle should not exceed 1.45 million rubles.
The usual loan interest is from 8 to 11 per annum, depending on the lending institution that will issue the family car loan program.
The state covers 10% of the cost of the purchased car.
Please note that a family that has the status of a large family and has not previously purchased a vehicle can participate in only one preferential state program.
Family Car Program: what cars can be purchased
Decree of the Government of the Russian Federation No. 364 dated 04.16.2015 , established the basic requirements for the purchased cars on the basis of the state subsidy conditions.
The cost of this car should not exceed 1,450,000 rubles for 2018.
The total mass of the vehicle must not exceed 3.5 tons.
Important: a prerequisite for participation in preferential programs is the choice of a car that is produced in the territory of the Russian Federation.
Today, the country collects following carsavailable on a preferential loan:
AvtoVAZ assembles the following car models:
- Lada (Granta, Priora, Kalina, X-Ray, Largus, 4x4);
- Cars of the Renault-Nissan concern: Almera, Setra, Tiida, Logan, Sandero, Datsun mi-DO, on-DO.
Renault Duster is being assembled in Moscow.
Sollers assembles machines:
- UAZ Patriot, Pickup, Hunter in Ulyanovsk;
- Ford Focus, Mondeo, Explorer, Kuga in St. Petersburg and Tatarstan.
In Kaluga and Nizhny Novgorod collected by Volkswagen and Skoda:
- Tuguan, Tuareg, Polo, Caddy;
- Octavia, Rapid, Yeti.
In St. Petersburg they produce: Hyundai, Kia, Nissan, Toyota.
In Taganrog, TaGAZ produces its own line of cars.
In Cherkessk, Derways produces Chinese cars.
The Avtotor plant continues to operate in Kaliningrad.
I would like to note that on the basis of the data provided by the companies - car dealers, despite the presence of a large selection of cars not only of Russian brands, but also of foreign cars, Lada still takes the leading place (140 thousand cars). The most common model is LADA Grantaas well as Vesta. Kia and Hyundai finished second and third overall.
In the first half of 2017, the leader among foreign cars was Kia rio (46 thousand), bypassing even Grant (but not all of AvtoVAZ). The owner of the third line Lada Vesta a significant increase - 35 thousand cars were sold. Next, Renault closely follows the leaders.
Such an increased demand for specified cars quite understandable. They are quite comfortable, each of these models can be comparable to a foreign car, however, maintenance much cheaper.
Among family cars, the leading position is held by Lada largus... The choice of this machine is based on the following factors:
- A fairly budget option (which is important for a family);
- Large capacity;
- Manual Transmission;
- The ability to transport large cargo;
- HP volume 1.6.
The second place is occupied by Hyundai Solaris. Quite low cost, low consumption fuel. The engine displacement is 1.4, acceleration to 100 km / h occurs in 12 seconds.
The procedure for processing documents for the "Family car" program
In order for a family to become a participant in the program, it must prepare information that it has many children.
To obtain this status, you should contact the social protection authority at your place of residence.
The following documents should be submitted to the structure:
- Completed application;
- Passport of one of the parents;
- Documents confirming the birth of three or more children in the family, as well as decisions of the judicial authorities on adoption;
- Certificate from the registration authority form 8 about the place of residence of children and parents;
- A document confirming that previously a certificate confirming the fact of a large family was not previously issued to the second parent.
Important: Documents are considered no more than one month after the submission of all information. After the expiration of the specified period, a certificate is issued.
The received certificate must be presented to the credit institution.
In addition to the certificate, the borrower must submit:
- A certificate confirming the right to drive a car. Please note that if the borrower does not have such a document, he can receive it before the end of the year to participate in the program;
- The passport;
- Documents confirming the existence of work experience;
- Information about the level of family income.
- Car loan under the "Family car" program, an overview of banks
| Name of the bank | Maturity | First installment | Car requirements | Maximum loan amount (RUB) | Bet size |
| VTB 24 | 3 years | 0 % | New car of the current and last year | 1 450 000 | 5 % |
| RusFinanceBank | 3 years | 20 % | Cars of the current and last year | 1 450 000 | 11,5% |
| UniCredit | 3 years | 10 % | Car of partners of the current and last year | 1 450 000 | 11 % |
Today, preferential car insurance is carried out by the following banks on the following conditions:
To obtain a loan from VTB 24 bank , the interested person will need to submit the following documents:
- Completed application form (the application can be filled out on the official website of the bank or car salonwith whom the banking organization cooperates on a preferential program);
- A document confirming the existence of income for the 6 months that preceded the application. As a rule, applicants submit Form 2 of personal income tax. It is allowed to present information on a certificate approved by the bank or a bank statement.
Additionally, the applicant must submit:
- A certificate confirming the right to drive a vehicle;
- Education documents.
To obtain credit funds in Rusfinancebank should submit:
- Identity document;
- Driver's license.
In the event that the interested person cannot provide a certificate, the potential borrower can submit:
- SNILS;
- Identification number assigned by the tax office;
- International passport.
UniCredit Bank provides a loan upon providing the following information:
- Completed application in the form of a bank;
- Copies of identity documents. With the participation of the guarantor, the documents are submitted to them.
