The program of preferential car loans has proved to be the best tool for maintaining the purchasing power of the population in the automotive industry, because due to the sharp increase in car prices in recent years and not yet stopping, not every buyer can afford to purchase it. Discounts are required, and this is what the state program is designed for.

But here the situation repeats the variant with Toyota. The configurations are only the simplest and not the fact that they will be readily available for sale.

The cost of complete sets: 1,349,000 to 1,499,000 rubles.

Renault Duster

Another model produced in Russia (one of the conditions for obtaining a preferential car loan) is French. At the moment, this is a restyled first generation of a crossover with SUV capabilities.

The whole range of complete sets easily fits the state support program.

The cost of complete sets: from 639,000 to 1,029,000 rubles.

Toyota Camry

When creating the Top 10, they could not ignore such a model as Toyota Camry... Perhaps it is not as popular as it is and is not as cheap as Hyundai solaris, however this does not interfere japanese sedan from year to year to remain an extremely popular model among foreign business class models. It is not for nothing that production has been established on the territory of the Russian Federation.

Several configurations costing from 1 407 00 to 1 460 000 rubles are suitable for the conditions of the state program.

Front-wheel drive, 150 hp 2.0 liter engine, automatic transmission gear, Japanese quality.

The cost of complete sets: 1,407,00, 1,460,000 rubles

Ministry of Industry and Trade and the Government Russian Federation in order to support car manufacturers, we launched the program “ Family car". The beginning was laid in the summer of 2017, and during this short period of time it was possible to raise sales and support the domestic auto industry. Read below if the Family Car program will be extended in 2018.

Corresponding changes are being made to the Government decisions on reimbursement of expenses on loans that are issued individuals to purchase a car.

Participants in the program must meet certain criteria. These include the following conditions:

• Citizenship of the Russian Federation is required;
• Driver's license;
• The presence of two or more minor children;
• No other contracts for the purchase of a car in 2017.

The terms of the program are such that it works for large families. It is important that under the program, a person can purchase only one car... But according to the order of the Government on the state program "Family car" in 2018, members of the same family can buy cars. That is, parents who have both rights can buy two cars at a discount.

A car loan on preferential terms is available to large families until the end of 2017. It does not matter what date the rights were received. If possible, you can get a certificate within a year and take advantage of the promotion.

Participants of this program are provided with a 10 percent discount on the cost of the car, which is compensated by the credit institution at the expense of the state budget. In addition, you can take a car loan at a preferential reduced rate.

How long will the Family Car program last? This issue remains open for now, at present, the state program is set until December 31, 2017. It is not known whether it will be extended for 2018. It should be noted that this state project has nothing to do with another program that allows families with many children to get a car.That is, the maternity capital for the second or subsequent child is not used to repay a car loan.

The total amount that can be spent on the purchase of a car is 1.45 million rubles. The terms of the promotion are valid for the entire period of its validity. The obligatory requirement for the borrower is that he is not entitled to use other loans for transport during the year. This is strictly tracked through the Credit Bureau.

State program Family car - credit. Partner banks are implementing this support; not all credit institutions are participating in the program, but those approved by the Government.

The full list of banks can be found on the website of the Ministry of Industry and Trade, it is constantly changing and expanding. The following large credit networks participate in the program:

• Setelem Bank;
• VTB 24;
• Uralsib Bank;
• Sovcombank;
• Rusfinance Bank;
• MC Bank Uralsib;
• Gazbank.

This is not a complete list, there are 15 credit organizations in total. In most of them, a loan can be obtained without a down payment for a maximum period of 36 months.

Who can use

The family car state program allows you to reduce the costs of families for the purchase vehicle... The discount is provided by the state, while there are a number of restrictions on the ability to use this offer. The presence of at least two minor children, must have a driving license, the limitation in the amount of purchased vehicles is not a complete list of conditions.

Not all cars can participate in the program in 2018. What vehicles are participating in the promotion? Within the framework of a car loan, you can buy a car only russian assembly... During the period of the program, the loan repayment terms range from 1 month to 3 years. During the validity period of the promotion, you can buy a car worth up to 1.45 million rubles, while a discount can be obtained not only when applying for a loan, but with a one-time payment for the vehicle.

When buying a car in 2016, there was a similar promotion, but the previous state program was canceled. Currently, the conditions have changed somewhat. It is worth noting that CASCO insurance may be included in the purchase price, but in any case, the total transaction amount cannot be higher than the specified amount.

Families with many children are often interested in whether it is possible to spend funds from maternity capital on the purchase of transport. This issue has been considered for several years, and a bill has been prepared, but no decision has been made at the federal level. Therefore, this year there is no way to direct the capital to purchase a car!

However, a number of regions have amended the rules for the use of state benefits, which allow large families to use funds allocated by the local budget at the birth of their third child to purchase a vehicle, including through participation in the Family Car program.

Which cars are eligible for the Family Car program?

As mentioned earlier, not all vehicles are eligible for the program. According to the requirements for vehicles corresponding to the program, funds of 2016-2017 model year are included, costing no more than 1.45 million rubles. A prerequisite is the Russian assembly. The list of cars suitable for the conditions of the program should be specified separately. What cars are included in this state program?

The following vehicles meet these criteria:

1. The whole the lineupproduced by russian car industry, including Lada Vesta, UAZ.
2. Foreign models assembled on the basis of AvtoVAZ and LADA in Izhevsk ( Nissan Qashqai).
3. Foreign brands assembled in Russia - Volkswagen, Ford, Skoda, Chevrolet, Toyota, if the cost meets certain parameters.
4. Chinese models also assembled at a car plant in Karachay-Cherkessia.

More detailed information about the models and the list of cars should be checked with car dealers. The list of cars for the promotion, according to the data of the car dealership, were not included Volkswagen tiguan, Toyota RAV4, Hyundai Tucson, Mitsubishi outlander due to the higher price, unfortunately, the opportunity to buy these models under the program will not work if the prices do not decrease.

According to the Ministry of Industry and Trade of the Ministry of Industry and Trade, AvtoVAZ cars are in special demand. Foreign brands are of no less interest to buyers; about 30 percent of foreign cars have been sold at a discount recently.

An example of calculating the benefits of participating in the program

It is attractive that the action of the "Family Car" campaign is combined with subsidized car loans. This allows you to further reduce the interest rate by 6.7 percent of the base rate if you buy a car manufactured in 2016-2017. At the same time, in total, you can count on a rate of 11.3 percent.

Taking advantage of a car loan subsidy, a family can purchase, for example, Lada Largus under the program for less money, in contrast to the initial cost of the acquired property. The benefit is achieved due to the fact that the cost of a car is reduced by 10 percent, that is, from an amount of 400,000, the savings will amount to 40,000 rubles. The car dealership deals with the execution of contracts for the purchase and insurance.

How to use the promotion

The state program allows you to get a loan from a selected bank. Promotion for large families who need to make sure that a specific car dealership works with a bank participating in the program. The procedure for obtaining a loan is standard; a set of documents is being collected for official participation in the state program in 2017.

It is possible to issue a car under the Family car state program in 2018 on preferential terms on the basis of a standard set of documents, in addition to which you will need to provide confirmation that the family has children. This is due to the fact that only families with two or more children can take part in the program.

Attractive conditions will remain in effect until the end of 2017, so those wishing to take advantage of the terms of concessional lending should hurry up. In addition to its expiration date, the number of cars participating in the promotion is limited.

Will the state program be extended in 2018

The Family Car program was scheduled for 2017 and may cease to exist even ahead of schedule due to the fact that targets are being achieved rather quickly. This was stated by representatives of the Ministry of Industry and Trade. This means that most of the cars that fall under the share have already been sold with state support.

Initially for support domestic auto industry more than 3.5 billion rubles were allocated. As for the extension of the Family Car program, the Minister of Industry did not answer unequivocally. Support will continue, but the format of the program will most likely be changed in 2018.

Official: new Ministry of Industry and Trade programs to stimulate automotive industry, were launched on July 1, 2017 and. Initially, 7 billion 500 million rubles will be allocated, but the possibility of increasing the amount of subsidies in case of high demand from buyers is not excluded. Half of the amount will be spent on cars, another half - for heavy equipment. Let's try to figure out what are the prospects for these initiatives, and how the largest market representatives did not react to them. According to dealers' assumptions, by the end of 2017, thanks to the programs, about 40 thousand cars will be sold.

Previously, they asked to increase the upper bar for the cost of a model admitted to participate in programs to 1 million 600 thousand rubles, but the ministry decided to keep it at the level of 1.45 million rubles. It should be noted that preferential lending terms are available only for the purchase of cars in basic configuration... At the meeting held on the evening of June 7, it was decided that the new programs will not affect the existing ones. All previous conditions and interest rates will be retained. Moreover, it is allowed to participate in two programs at once. In this case, the benefits will "overlap" each other.

Discount for the programs "First car" and "" will be 10%

Passenger cars will receive an additional 10% discount. At the same time, preferential lending programs remain in effect. As for heavy equipment, another 2.5% will be added to the existing 10% discount for purchases under leasing programs. With the maximum allowable cost of the car, this discount will be 145 thousand rubles. "The first car" has no age restrictions, the only condition is the absence of transactions for purchasing a car in the past. "" Is available to families with two young children. Experts suggest that, given the fact that such initiatives have shown their effectiveness in previous years, the likelihood of an increase in the amount of government subsidies is quite high.

As for the threshold price, not only representatives of the domestic AUTO, but also foreign companies, including others, will fit into it, provided that they have production in Russia with a high level of localization. Another advantage is that the state subsidizes the seller and the buyer. This expands access to choice, whereby demand is stimulated. Officials suggest that the $ 10 billion allocated this year to subsidize soft loans will convince Russians to buy 350,000 cars by the end of the year.

However, to obtain the desired auto loan with state support with a rate of 6.7%, a number of conditions must be met.

1. The initial rate offered by the selected bank should not exceed 18% per annum.
2. You can only buy a car produced in 2016-2017.
3. Providing collateral guarantees and prepayment in the amount of 20% of the cost of the car.
4. The maximum term of the contract is 3 years.

Where is the money, Zin? Where will public finances go?

Kirill Yakovenko, analyst of the Alor Broker group, positively assesses such initiatives. He thinks that commercial vehicles finally got the much needed attention from the government, reminding them that the situation in their sector of the market remained disappointing even against the backdrop of large-scale support programs for the auto industry. However, Kirill still has a lot of questions about the structure of the division of funds. He cites as an example the Galichanin truck crane installed on the basis of KAMAZ. Its cost will be approximately 7 million rubles, which is equivalent to the cost of 8 passenger cars. There is a fear that the uneven distribution of funds will discourage big business from participating in the initiatives, since the allocated funds can be spent very quickly.

Roman Parshin, CEO of Forum investment company, is critical. He believes that such measures are unacceptable for market economy, because taxpayers' funds are distributed between two narrow groups: people who want to buy a car for less than 1 million 450 thousand rubles, and manufacturers offering models in this price range. He emphasizes that citizens who purchase a car for the first time and participate in implementation programs have already received enough subsidies for 2016. It remains unclear how large families and people without a car deserve to have part of their expenses covered from the state budget.

The Ministry of Industry and Trade expects that by the end of 2017, last year's growth rates for the automotive market will be repeated, that is, they are expected to remain at the level of 7%. This should be a boost not only for car manufacturers, but also for the economy as a whole.

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More and more Russian banks and car manufacturers are joining preferential car loan programs "Family car" and "The first car"launched this summer by the Government of Russia and the Ministry of Industry and Trade in the framework of Resolution No. 808 dated July 7, 2017. Both programs are valid until December 31, 2017.

Below are the main advantages that are provided to the participants of both state programs when buying a car on credit with state support.

These programs were developed by the Ministry of Industry and Trade and launched by the Government in the second half of 2017 in order to make cars more affordable for Russian families, as well as to support domestic automakers that have been experiencing financial difficulties for a long time due to falling demand for new motor vehicles against the background of the decline in real incomes of the population. As a result, during the first months of the Family and First Car state programs, car dealers in all regions of the country noted a significant increase in sales in the mass car segment.

Conditions of the state program Family car

Program participants are entitled to a discount of 10% of the cost of the purchased car, which is compensated to participating banks by government subsidies. Citizens can take part in new state programs until December 31, 2017:

• having two or more minor children - "Family car";
• buying a car for the first time - "The 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 or more). Also, the “Family Car” loan program launched by the Government has nothing to do with the maternity capital program for a second child (for a long time, the possibility of using maternity capital to buy a car has been discussed, including in 2017).

However, all of these categories families with two or more children under 18, can take part in the new state program until December 31, 2017 and purchase a new passenger car worth up to 1.45 million rubles on credit with a 10% discount at a preferential interest rate (and no certificates for maternity capital and status of a large family for this not required).

In total, this year, it is planned to implement preferential car loans with government subsidies under these programs. at least 58.35 thousand cars... By order of June 29, 2017 No. 1369-r for the relevant purposes, the Government of the Russian Federation allocated funds to the Ministry of Industry and Trade in the amount of 3.75 bln rubles... In just the first 2 months of the program's work, more than 16 thousand cars have already been sold (in other words, now the program is in full swing and families with children still have enough time to participate in it).

Attention

It is noteworthy that the programs operate in conjunction with the previously introduced state subsidies for car loans, which additionally provides for decrease in interest rates by 6.7% of the base value when buying cars manufactured in 2016 and 2017 (the maximum total rate in this case will be no more than 11.3%).

Prerequisite for the program - the borrower should not conclude other loan agreements for the purchase of a car in 2017 (including until the moment of applying). The relevant fact is verified through the Credit Bureau.

Which banks are involved?

Both state programs are credit. The mechanism for their implementation is the provision of preferential car loans through banks approved by the Government as participants in the program, in which a discount of 10% of the cost of the car is included in the form of compensation from the state budget for the cost of paying the initial payment. Thanks to this, families with 2 or more minor children can receive such a car loan in general. no down payment (the state pays it in the amount of 10% to the bank).

The list of banks participating in the Family Car and First Car programs is published on the official website of the Ministry of Industry and Trade of Russia and is periodically updated. Large banks with a wide federal network are Cetelem Bank (a subsidiary of Sberbank specializing in car loans), VTB24, Uralsib Bank, Sovcombank, Rusfinance Bank and others (at the moment, only 15 credit institutions have been announced).

1. Cetelem Bank LLC (owned by Sberbank and specializes in car and consumer lending);
2. PJSC "VTB24";
3. Volkswagen Bank RUS LLC;
4. JSC MC Bank RUS;
5. PJSC Bank Uralsib;
6. PJSC NKB Radiotechbank;
7. JSC "TatSotsBank";
8. PJSC Sovcombank;
9. PJSC "Sarovbusinessbank";
10. PJSC JSCB "Energobank";
11. RN Bank JSC;
12. LLC PSA BANK Finance Rus;
13. Rusfinance Bank LLC;
14. PJSC "Plus Bank";
15. JSC Gazbank.

Attention

In most of these participating banks, it is possible to arrange a preferential loan no down payment... The maximum loan repayment period is 36 months.

Which cars are covered by the program

The purchased vehicle must be new (2016 or 2017), no more than 1.45 million rubles (including the cost of insurance) and must be collected in Russia. These criteria fall under:

• the whole range of traditional Russian car brandsthat produce new passenger cars in 2016 and 2017 (LADA, UAZ);
• foreign cars assembled on the conveyors of AvtoVAZ and LADA Izhevsk ( Nissan almera, Datsun);
• cars chinese stampsproduced in Karachay-Cherkessia at the Derways plant (Brilliance, Chery, Lifan, etc.);
• other foreign cars russian production costing up to 1,450,000 rubles ( Chevrolet niva, ford cars, Renault and Nissan, several models of Skoda and Volkswagen, cars of the Korean brands Hyundai and KIA, etc.)

For more information on specific car models participating in the concessional car loan program in 2017, check with your car dealer.

How to get a preferential car loan under the state program

For a preferential purchase of a car, you must contact the car dealer of the manufacturer you are interested in or directly to the car loan center at the selected credit institution.

Attention

In the first case, the buyer will first need to make sure that the car dealership cooperates with a bank participating in the car loan subsidy program (for this, you will need to check the list of partner dealers on the credit institution's website).

Further, the procedure for obtaining a preferential car loan is standard, but in addition to the traditional set of documents (in most cases, a car loan is issued upon presentation of a passport, income statement and driving license) it will be necessary:

• a member of the Family Car program will need to provide birth certificates of childrencontaining the name of the borrower in the fields about one of the parents (if necessary, also documents confirming the change of the borrower's name, for example, a marriage certificate).
• customers wishing to get a loan under the "First Car" program are also waiting check on the bases of the traffic police for the ownership of other machines.

2019-08-15

RedRocketMedia

Bryansk, Ulyanov st., Building 4, office 414

From March 1, 2019, the "Family Car" state program for families with 2 or more children has been resumed

Bring the kids to kindergarten, school, or "giving up" your wife / husband to work are a great help for the formation of healthy relationships in the family. However, the cost of the car makes fulfilling such desires problematic. But the state has allocated a special initiative to resolve this issue - "Family Car", with the help of which it becomes much easier to purchase a vehicle.

Family Car Program 2019: conditions of participation

The requirements for the applicant are quite loyal:

• availability of citizenship of the Russian Federation and a driver's license;
• family composition includes at least two children under 18;
• behind last year the vehicle was not purchased with borrowed funds.

Important: a person has the right to receive a car with state support once, but this prohibition applies only to a specific person. That is, a family can purchase two vehicles on preferential terms - for the spouse and for the spouse.

Requirements for the selected vehicle

In addition to ensuring compliance with the conditions of participation, when choosing a car, you will also have to pay attention to the criteria presented.

Additionally, it should be borne in mind that not all brands of vehicles can be obtained on preferential terms. The state compiles a specific list annually. As of 2019, it includes:

	Kalina, Granta, Vesta, Largus, Lada 4 × 4, Xray.
	Almera, Terrano, Sentra.
	Solaris, Elantra, Creta.
	Focus, EcoSport, Fiesta.
	Rio, Cee`d, Cee`d_SW, Cerato, Soul.
	Duster, Kaptur, Logan, Sandero, Sandero Stepway.
	Patriot, Hunter, Pickup.
Mitsubishi Lanser.

Important: the acquisition is possible only with the use of borrowed funds.

Amount of benefit

The amount of the discount is determined taking into account regional characteristics:

Preferential terms are updated even when calculating the down payment, which allows you to reduce the overall loan rate.

Instructions for participating in the initiative

Compliance with specific requirements is the primary responsibility of the applicant. To get a discount on the purchase of a car, you must adhere to a specific sequence of actions:

1. Choose a bank for processing a loan and clarify their terms.
2. Determine whether your candidacy meets the criteria for participation and the requirements of the financial institution.
3. Visit the selected organization with a package of documents for applying.
4. Wait for the decision of the authorized structures. If the answer is satisfactory, you will have to visit the bank again to complete the agreement.
5. After transferring funds, you need to obtain title deeds for the car.
6. It remains to register the vehicle and transfer the documents for the car to the address of the financial institution.

Important: registration can be done not only through a bank, but also through a car dealership.

List of documents for participation

The updated list of securities depends on the bank's requests and the status of the applicant. But in any case, the following documents will be required:

• passport of a citizen of the Russian Federation;
• SNILS and INN;
• income statement;
• child's birth certificate;
• written confirmation of the absence of the fact of purchasing a vehicle for the last year.

It is necessary to understand that the employees of a financial institution have the right to request additional documents if the solvency of the candidacy is in doubt.

Advantages and disadvantages of using a preferential rate

Among the advantages of the considered programs, the following positions are identified:

• almost all citizens can use the service - the conditions for participation are not too demanding in relation to candidates;
• government programs are combined with commercial offers from car dealerships. For example, Nissan provides its buyer with the opportunity to receive an additional discount on the "Prime Numbers" project, which is relevant for individual models cars. If the chosen vehicle falls under the state support, then the purchaser can count on a benefit exceeding 10% of the cost of the car;
• you can repay the target loan without any restrictions. If the client decides to close the loan by paying off the balance in one payment, then the bank does not prevent this.

The benefits are pleasant and substantial enough - as they should be. But in order to make the right decision, it is important to take into account the shortcomings of the programs, among which one should highlight:

• for each year, the Government sets a limited budget for the initiative, which creates a lot of problems and pushes citizens to hurry;
• limited choice. The support of the domestic auto industry is good, but still, its products are not in vain in low demand;
• not all financial institutions take part in the initiatives, which further hinders getting the desired vehicle. Therefore, before registration, it is recommended to carefully analyze the list of available organizations in order to choose the most optimal option.

And yet, despite the obvious disadvantages, the state program is clearly popular among people who want to buy a car for all families - one has only to remember that the budget allocated for 2018 was spent in the first quarter. Therefore, if you want to take advantage of preferential conditions in 2019, it is recommended not to delay the application for participation.