As of August 1, 2017, 360 thousand cars manufactured in Russia were sold thanks to government programs of concessional lending. Despite this, Denis Manturov, Minister of Industry and Trade, announced that by the end of the year these figures are planned to be increased to 670 thousand. He stressed that out of 300 models on the market, 77 can be purchased on preferential terms. This list includes: LADA (Kalina, Granta, Vesta, Largus, LADA 4 × 4, XRAY); models assembled on the conveyor belt of AVTOVAZ and LADA Izhevsk (Datsun mi-do, Datsun on-do, Nissan almera); all UAZ models ("Hunter", "Patriot", "Pickup").

Lada Granta leads the program

Considering that the model purchased on preferential terms should be exclusively in basic configuration, the most popular among domestic novice drivers is Lada granta, on which you can 38 thousand 900 rubles (the price without a discount - 389 thousand 900 rubles), and families most often choose the roomy models Vesta and Largus. On the first one you can save almost 53 thousand rubles by purchasing it for 479 thousand 900 rubles, and on the second one - 54 thousand 590 rubles (the price is 491 thousand 300 rubles).

Good afternoon! I rent out my mother’s old apartment, and usually there were normal tenants.

But not for the last time. We paid only for the first month, and after that we lived for two more.

And I could not drive them out of the apartment, I had to resort to replacing the locks while they were not there. I called the master.

This master turned out to be very talkative and, while changing the larva, said that he wanted to give his daughter a car for coming of age.

I suggested to him not to rush into the purchase, but to find out in advance which cars fall under the program of the first car.

You don't know yet. Then we read it urgently!

Compiled a list of cars available under the "Family car" program

The analytical agency "AUTOSTAT" has compiled a list of cars that can be bought under the state program " Family carmobile". Experts say that 77 of the 300 new models are available.

We remind you the main conditions of the program: the car must be new and cost no more than 1,450,000 rubles, and it must also be assembled on the territory of the Russian Federation. The list includes absolutely all cars of the LADA and UAZ brands, as well as some cars assembled at the Izhevsk plant ( Datsun mi-DO and on-DO, Nissan Almera).

The list includes one model each of Chevrolet, Citroen, Peugeot, Ssang Young and Mitsubishi. Accordingly, these are the Niva, C4 sedan, 408, Actyon, Outlander models. Two models each came from Toyota (RAV4 and Camry), Volkswagen (Polo and Jetta) and Mazda (6 and CX-5).

Three or more models were included in the program from the brands Ford (Focus, Kuga, Mondeo, EcoSport and Fiesta), Hyndai (Solaris, Tucson, Elantra i40, Creta), KIA (Cerato, Cee'd, Cee'd_SW, Picanto, Optima, Soul, Rio and Sportage), Nissan (Quasqai, Terrano, Almera and Sentra), Renault (Sandero, Sandero stepway, Logan, Kaptur, Duster), Skoda (Rapid, Superb, Yeti, Octavia and Octavia Combi).

Also included are Chinese models from the Derways plant: Brilliance (H230, H530 and V5), Chery (Tiggo 5, Tiggo FL, Geely emgrand 7, Emgrand X7, Emgrand GT and Boliger) and Lifan (X50, X60, Smily and Solano).

source: https://versiya.info/avto/24855

STATE PROGRAMS 2017: "FIRST CAR"

The programs launched in 2014 by the Russian government and the Ministry of Industry and Trade continue to function, although they have undergone some modifications. Along with the existing measures of assistance to the Russian auto industry, a new targeted state program "First Car" in 2017-2018 has been considered for several months.

Program participants

According to the press service of the traffic police, on russian roads there are already more than 56.6 million vehicles. However, the number of those planning to get behind the wheel continues to grow.

Since purchasing a car is not a cheap pleasure, many novice motorists have to postpone the purchase indefinitely. The Ministry of Industry and Trade of the Russian Federation has developed a special system of measures for this group of drivers, which has become known as the "First Car" support program.

Warning!

As a rule, newcomers prefer to buy inexpensive second-hand foreign cars. They are affordable, and the range of options is wide enough.

However, according to the ministry's plan, novice motorists should switch to new cars. domestic production... According to preliminary data, the state is ready to allocate 6 billion rubles to support young and novice drivers. What is behind this initiative? It:

• An opportunity for Russians with small incomes to become owners of a new car.
• Increased demand for the products of the domestic automotive industry.
• Expansion of the network of service stations serving Russian cars.

According to the creators of the idea, the program "My first car in 2017-2018", which provides a discount of several tens of thousands of rubles, will be enthusiastically received by young people and new drivers.

After all, their financial situation is not yet stable enough to get a loan on attractive terms, and insurers set consistently high rates.

What state programs exist

In 2016, a number of programs were in effect in the Russian Federation to ensure the demand for cars:

1. recycling;
2. delivery of old cars to trade-in;
3. preferential car loans with state support;
4. car leasing schemes;
5. vehicle fleet renewal;
6. direct government procurement.

Car loan

The ongoing activities to support the automotive industry continue. Some changes were noted: the cost of cars that are sold at a discount or on a car loan increased from 1.15 to 1.45 million rubles. The government has fixed the maximum loan agreement rate at 18%.

These measures make it possible to count on the sale of about 400,000 new Russian cars, which will have a beneficial effect on the state of the car industry. The need to save funds allocated by the state for these purposes has led to the emergence of new programs:

• “Family car in 2017”;
• "First car";
• "Russian tractor"
• Russian Farmer;
• "Own business";
• subsidizing social workers.

You can learn more about assistance for parents with three or more children from the separate article "Car program for a large family in 2017".

The Ministry of Industry and Trade is still working on these support measures. The events are expected to be more targeted than those previously in place. However, according to experts, such measures are not a 100% guarantee of an increase in demand, therefore, they do not cause approval from auto concerns.

The Association of European Businesses (AEB) sent a proposal to the Ministry of Industry and Trade to keep the old programs and the previous amounts of support. Does the program work now

Attention!

Despite the bright promises, the government has not yet fully decided on the programs of state support for the auto industry market. Automakers are also unsure what to expect from the coming year. There are concerns that the aforementioned systems of measures exist only on paper.

The real mechanism of their work is not fully understood even by the officials themselves. It can be assumed that the conditions prevailing in the Russian car market in the first months of 2017 will become a decisive factor for the implementation of new programs. According to the expectations of the Russian government, in the near future, auto production should grow by 3-7%.

If this happens, new activities will not be introduced. Otherwise, approximately in the middle of spring, a mechanism for introducing measures to support car manufacturers will be launched.

Advice!

The press service of the Ministry of Industry and Trade informs that the development and optimization of these programs is still ongoing. Specialists monitor the dynamics of market changes and other conditions.

Discussing the issue of assistance provided by the state to the auto industry, the head of the department, Denis Manturov, said that the support "will be personified and broken down into sectors of the auto industry." If positive changes are recorded in a certain sector, the scale of subsidies will decrease.

Program conditions

It should be admitted that, despite all the efforts of experts, the Ministry of Industry and Trade has not yet formulated the final conditions for the "First Car" program in 2017-2018. However, some aspects of the issue have already cleared up a bit.

Previously, there were suspicions that only representatives of the younger generation of Russians who had not crossed the 30-year threshold would be able to participate in the state program. Currently, the Ministry of Industry and Trade assures potential applicants that no age restrictions are envisaged for participation in the targeted system of events.

The estimated discount is RUB 60,000. It is possible that the driver will be reimbursed for the first installment of the MTPL insurance.

As for the maximum cost of the purchased car, it is estimated that the threshold will be 800,000 rubles. It is not known whether it will be increased at the request of representatives of the Russian Automobile Dealers Association. As you know, they proposed to increase the price limit for models that can be bought under the state program to 1,800,000 rubles.

It is expected that it will be possible to make a decision on the start of events and formulate the conditions of the programs after receiving the results of the car market for the first three months of 2017.

The procedure for registration and execution of documents

Until the department decides on the terms of participation, it is impossible to talk about how and where applicants can submit an application. However, Pavel Bezruchenko, Deputy Director of the Automotive and Railway Engineering Department, assures that the launch of the program will be announced immediately.

Until the Ministry of Industry and Trade launches the state program "First Car" and does not develop a mechanism for distributing benefits, novice drivers can look at the alternative preferential programs mentioned above.

source: http: //site/avtozakony.ru/kuplya-prodazha/kuplya/gosprogramma-pervyi-avtomobil.html

First car program

On July 19, 2017, the state program "First Car" began. For its implementation, 7.5 billion rubles were allocated from budget funds. The funds will be used to support car manufacturers.

Warning!

The first car program will allow novice drivers to purchase a vehicle under special conditions. Buying a car is a costly undertaking, so most citizens put it off for a while or use credit.

Used foreign cars are in the greatest demand among newcomers. They differ in affordable cost and a wide range of functions. However, the state program invites newcomers to purchase cars and domestic manufacturer... The state program "First Car" was created to implement the following goals:

1. an opportunity for citizens with low incomes to purchase a car;
2. support for domestic producers;
3. development of service centers for Russian cars.

The developers of the program expect that young people and citizens who have recently received a license will be able to become owners of a car on special lending conditions.

Age and requirements for the borrower

Citizens who meet certain conditions can buy a car under the First car program:

• russian citizenship;
• availability driving license;
• lack of ownership of other cars;
• the purchased car must be the first in the property.

The verification of the necessary information will be carried out by checking the credit history and the traffic police. Initially, it was said that only those citizens who are under 30 years old can participate in the program. However, the Ministry of Industry and Trade, which is responsible for implementing the system, reports that there are no age restrictions.

By participating in the system, the car buyer undertakes that in 2017-2018 he will not sign any other loan agreements for the purchase of a vehicle. You can buy a car according to this program only once.

Conditions of the state program

The innovation involves the fulfillment of certain conditions under which a citizen can become the owner of a vehicle:

1. 10 percent discount on the first car.
2. If the vehicle is purchased on credit, then you can pay a reduced down payment. In this case, the discount is calculated based on the total cost of the car.

When a loan is taken without making a down payment, the discount is not provided. However, it is possible to receive compensation for the insurance premium. When buying a car for cash, there is also no way to get a discount. One of the options is to use credit funds for a minimum period. In this case, the initial payment can reach 95%.

The maximum cost of a car is 1.45 million rubles. Initially, it was said about the maximum cost of 800 thousand rubles. After a request from representatives of the Russian Automobile Dealers Association, this amount was revised to the indicated amount.

Loan term - 3 years. The specified repayment period for the car loan is the maximum. If credit funds are taken for a longer period, then the program does not work. The contract must be concluded after 01.07.2017.

Attention!

The highest lending rate is 11.3% per annum. The loan rate varies depending on the manufacturer and brand of the car. However, its value cannot exceed the highest value set by the program.

Purchasing a car that meets certain requirements. The list of cars is limited according to their cost. In case of price reductions, other cars may also be included in this list. The permissible vehicle weight is no more than 3.5 tons.

Another requirement is the date of manufacture of the machine. You can buy a car manufactured in 2016 or 2017 at a discount.

Benefits of the program

The state program for the first car involves the summation of other shares.

IN Russian Federation there is a system of subsidizing loans for cars produced within the country. State support allows you to pay 6.7% of the interest rate set by the banking organization. For example, at a rate of 17%, the buyer pays 10.3%, the rest of the money goes to the seller in the form of a government subsidy.

The subsidy program can be used with the First Car Purchase program. In this case, the rate will be reduced and the 10% discount will remain. You can find out the current promotions on the manufacturers' official websites.

The first car program is combined with other offers from auto manufacturers. For example, within nissan programs “Prime Numbers” have reduced rates for certain brands. When buying a Nissan Almera, the rate will be from 3% with a loan term of 3 years.

The maximum benefit when using the state program is 145 thousand rubles. For example, when buying Datsun on-DO worth 442 thousand rubles. official dealer offers a discount of 30 thousand rubles. Then the car can be purchased at a price of 412 thousand rubles.

If the "First Car" promotion is used from July 1, 2017, the discount will be 41,200 rubles. The total cost of Datsun on-DO will be 370,800 rubles.

Car list

It has been established which cars are eligible for the first car program. The following car brands can be purchased as standard:

• Nissan X-Trail;
• Mazda CX-5;
• Volkswagen Tiguan (first generation);
• Ford Kuga.

The following cars are available for purchase in various trim levels:

1. Kia (Rio, Cerato or Sorento);
2. Ford (Fiesta, Focus, EcoSport, Mondeo);
3. Chevrolet Niva;
4. Volkswagen (Jetta and Polo);
5. Skoda (Yeti, Octavia and Rapid);
6. Hyundai (Creta and Solaris);
7. Renault (Logan, Sandero Stepway and Sandero, Kaptur, Duster);
8. Nissan (Almera, Terrano, Qashqai, Sentra);
9. Datsun (on-DO Access 2017, mi-DO Access 2017)
10. Mitsubishi Outlander;
11. Toyota (RAV4 and Camry);
12. Mazda 6;
13. chinese brands produced at the Derways automobile plant (Brilliance H230, Geely Emgrand 7, etc.);
14. Lada (Granta, Vesta, Largus);

How to take part in the First Car program

Sberbank and Rosbank also participate in the program, but no information on lending terms is provided. Also, the list of banks is constantly expanding, therefore detailed information find out on the official sites.

According to numerous reviews, citizens are interested in the program, and banking organizations are actively accepting applications. The number of banks that are considering such applications will gradually increase. There is a certain procedure for obtaining a loan on preferential terms:

• Choose the required car brand, the loan amount and the term for its payment. Be sure to take into account how much you plan to spend on the down payment, insurance, banking and other expenses.
• First you need to find out if the car dealership cooperates with a banking organization where you plan to take a loan. This information is provided on the official portals of banks.
• Then you need to collect the documents allowing you to take advantage of preferential terms.
• Choosing a loan program. Most banks offer lending rates of the order of 15-17% per annum. However, there are special offers for which the rate is 11.3% and below.
• Applying for a loan. The document can be drawn up in the bank itself or in a salon that interacts with the chosen organization.
• Obtaining a decision from the bank. If the application is approved, then proceed to the registration of the transaction. As a result, a loan agreement is signed.

Concluding a contract with a car dealership, making an initial payment. Signing an agreement with the insurer. Car pick-up after admission necessary funds... Loan repayment in accordance with the selected conditions.

source: http: //site/lgoty-expert.ru/socialnye-lgoty/programma-pervyj-avtomobil/

State program "First car"

Programs to support the domestic auto industry were launched in the Russian government and the Ministry of Trade and Industry (Ministry of Industry and Trade of the Russian Federation) in 2014. Currently, many of them are still in operation. This year, to the above support measures russian car industry a new program of targeted assistance "First car" has been added.

As conceived by officials, such a program will stimulate in the future the demand for passenger cars from individuals who have not previously owned a vehicle.

Conditions of the state program "First car"

At the moment, the Ministry of Industry and Trade has named the final conditions of the state new program "First Car" in 2017. According to officials of the Ministry of Industry and Trade, the conditions of the state program are as follows:

1. any adult citizen of the Russian Federation can take part in the draft state program "First Car";
2. project participants will be provided with a 10% discount on the purchase of a car;
3. the first time purchased car should cost no more than 1 450 000 rubles.

Registration procedure

At the moment, the Ministry of Industry and Trade has decided on the terms of participation. The applicant can submit a specific application for participation in the First Car program to the bank. It is mandatory to present a VU, as well as documents confirming the absence of a vehicle.

The credit institution will check individual on credit history and will require a receipt that the citizen will not buy other cars on credit until the end of 2017. These requirements are mandatory due to the fact that the buyer would not re-use the discount provided by the state program "First car".

Who can become a member?

Any adult buyer, a citizen of the Russian Federation, who buys a car for the first time in his life, can join the state program "First Car".

When will the First Car state program start working?

The state program "First Car" entered into force on July 1, 2017. A citizen who did not own a vehicle already has the right to use this subsidy.

As for the assistance provided by the state to car manufacturers, the head of the Ministry of Industry and Trade Denis Manturov said that the support would be targeted and would relate to certain sectors of the automotive industry. If positive changes are identified in a specific sector, the amount of subsidies will decrease.

Advice!

At the moment, it is known that the new state programs of the Ministry of Trade and Industry, which are aimed at the rapid development of the auto industry, were also put into effect on July 1, 2017.

In the first months, the state will allocate 7 billion 500 million rubles, but over time, the amount of subsidies will be increased. This will happen if there is a high demand from motorists-buyers. 50% of the amount will be directed to cars, another 50% - to heavy equipment.

source: https://prav-voditel.ru/kypit-avtomobil/gosprogramma-pervyj-avtomobil

State program "First car" in 2017. Program conditions. How to get the? Provided vehicles

Due to various factors, today buying a car is a problem for many people. Often there is not enough money for a new high-quality car, so the First Car program has been developed. It became operational on July 1, 2017.

By promoting this and other projects, the government supports automotive industryby stimulating production and saving thousands of jobs. Everyone can take advantage of the wonderful opportunity to purchase the vehicle of their dreams.

Of course, as in every barrel of honey, there is a small fly in the ointment: you will have to say goodbye to bonuses for car utilization and trade-in, the government made a willful decision to refuse them.

It is predicted that by the end of this year under various programs, citizens will buy about 400,000 cars that have left Russian conveyors over the past two years.

Terms of the "First Car" program in 2017-2018

Let's move on to more specific and detailed consideration conditions of the program. In order to buy your first car, you must be a citizen of the Russian Federation. Don't even dream of getting a loan under this program without a driver's license.

Go to driving school first, learn the rules road traffic, take a driving test, and after that go to the bank, for now public transport for a loan.

How to get a bank loan is profitable

At the bank, you will be required to show a report that the credit bureau will give you showing that you have not signed any other car purchase agreements this year. That is, you never had a car and could not have.

After that, you will have to write a statement stating that you undertake not to execute any other contracts in the current year that would provide for the purchase of a car. So what remains in the end. There are only three conditions:

• Be a citizen of the Russian Federation;
• Have a driver's license;
• Don't have a car.

Here it is necessary to clarify the second point. He excludes the possibility of purchasing a car according to the documents of his great-grandfather, who in his youth handled horses well on the collective farm, and he did not have a driver's license when he was born. Or, place a purchase in the name of a minor child.

Attention!

These restrictions are provided in order to exclude not clean on hand motorists who are tired of old carand on new prices bite, and you want to save a decent amount. Only those people who actually did not have this vehicle before take part in the program "First car".

Employees of the country's driving schools will not be left without work, it is easy to imagine what kind of wave of applicants will fill their audiences, and get behind the wheel of training cars with instructors to practice practical driving skills.

How to get your first car under the state program

So, if the first conditions are met, and there is a brand new driver's license in the wallet, then the next stage is the direct execution of the loan agreement, and the acquisition of a brand new dream car. At the same time, expect that a dream may cost no more than 1.45 million rubles. It's a lot of money to debut behind the wheel.

Advice!

The period for which it will be possible to draw up a loan agreement should not exceed 36 months, for this period of time the entire amount will have to be paid. Before applying for a loan, carefully calculate your financial capabilities, because, despite the fact that the loan is concessional, this does not apply to the timing of mandatory payments.

The big advantage of the state program "First Car" in 2017 is the ability not to pay the first installment.

Chinese car industry in Russia: model range and prices for 2017-2018

One of the main parameters of the loan agreement is the annual interest rate, in this case it will delight the buyer, because it is only 11.3% per annum, and this is the maximum value.

If you wish, you can go through financial institutions, and in any case, get more profitable proposition, because they are interested in attracting customers, and competing with each other, they lower the value of the loan rate.

But that's not all. If you take out a loan and at the same time pay the first installment, then a 10% discount is provided. Of course, the most profitable purchase option will be if you make the highest possible down payment.

Please note that only one car can be purchased with a discount until the end of the year, without a discount - the quantity is not limited: buy as much as your heart and wallet want.

List of cars that are provided under the state program "First car"

Skeptics will immediately think that under the terms of the program, their first car will not be the one they expected when they saved money for it. But then they were wrong, on the list good cars foreign and domestic brands.

1. Nissan X-Trail;
2. Mazda CX-5;
3. Volkswagen Tiguan;
4. Ford Kuga;
5. Hyundai;
6. Renault;
7. Skoda;
8. Lada;

Every fourth car purchased on these terms is Lada. For the flagship of the domestic auto industry, this is a significant support, 2/3 of all Togliatti cars are sold with discounts. There are also a lot of foreign brands that participate in state programs: from one third to half of all cars.

The period of the program "First car"

Lending under various programs, including for the purchase of the first car, began to operate in 2014. In fact, in 2017-2018, the government made some adjustments to expand its capabilities. It is planned that the period of the program will be until the end of this year.

But life always makes its own corrections, everything will depend on the economic indicators of the entire industry, including the auto industry. Most likely, it will operate until the economy starts to grow, in order to support the domestic manufacturer, because one of the conditions is that the car must be assembled at Russian factories.

Banks that issue preferential loans under the First Car program

The interest of banks in issuing soft loans under the First Car program is quite high. Everyone fights for a client, you can choose from a large list, which includes about 90 participating banks. Some of them:

• Sberbank of Russia;
• VTB 24;
• Gazprombank;
• Rusfinance Bank;
• Credit Europe Bank;
• Toyota Bank;
• UniCredit Bank.

Yandex and Sberbank: how to transfer funds between them

When buying a car at a car dealership, you can always clarify the list, since it is updated all the time. Each bank has its own conditions for applying for a loan, so you need to carefully study them before choosing a particular financial institution, nuances are always possible.

For example, some give out a loan only according to their list of cars, for others, the condition is health and life insurance of the borrower, while others will want a down payment that you cannot afford or additional guarantees.

It is more profitable to get a concessional loan in any case, it helps to reduce the level of payments, and this, in turn, has a positive effect on the family budget.

Cities in which the "First Car" program operates

It is important to clarify that since one of the main conditions for obtaining a loan under the "First Car" program is the presence of a passport of a Russian citizen, no matter which city of the country you live in, wherever banks participating in this program are located, there is an opportunity to purchase a car ...

State program "Family car" 2017. Program conditions. How to register? What cars are available?

Some interesting facts for those who dream of buying their first car. Throughout its long history, cars have changed their appearance, all the time the designers have worked tirelessly to improve the technical characteristics.

Warning!

In recent years, electric vehicles have begun to compete with traditional ones. Interestingly, the first car in history to reach a speed of 100 km / h was an electric car. The engines were located on the rear wheel hubs, it happened in 1899, by historical standards, quite recently.

In the world famous Volkswagen "Beetle" the sprayer windshield worked from the pressure of the spare wheel, which was located under the hood.

Steve Jobs agreed to buy a new Mercedes every six months. The fact is that this period, according to the laws of the state of California, you can drive without numbers. The owners of the car dealership, after Jobs returned the car and took a new one, sold the one that Apple's CEO drove for much more. Here is such a mutually beneficial cooperation.

State program "First car" in 2019: latest news

The state program "First Car" was extended for 2019. You can take advantage of a discount on a car loan from March. According to latest news to date, over 11,000 people have used the program.

First Car program - official site

On July 1, 2017, the "On the provision of subsidies for the implementation of concessional lending programs" came into force. According to him, began to act state program "First car", for which you can buy the first car at a discount and on preferential credit terms.

The objectives of the program are:

• Stimulating the Russian car market. More than 58 thousand vehicles are to be sold within the program;
• Supporting the car loan sector by providing subsidies to banking organizations;
• Updating the country's car fleet at the expense of preferential terms buying new cars.

The terms of the First Car program in 2019 determine that the promotion is addressed to those drivers who are planning to buy their first vehicle.

"The first car", along with other auto programs of the state (for example, "Family car") are state products of a new generation and are replacing the already well-known recycling and trade-in program... Having shown a good start at the moment of their organization, they are currently experiencing a crisis and do not give more expected results from them. Experts see the reason that the owners of old cars have already taken advantage of these conditions to purchase new vehicles and the programs have exhausted themselves.

The essence of the new program also implies a discount on the purchase of a car - this is 10% of its cost... Also, the state guarantees preferential credit conditions. Thanks to government subsidies, the rate on car loans was reduced by 6.7 points to a maximum of 11.3%, but according to the decision of banks, it may be even lower.

Duration of the support program First vehicle initially only covered 2017. A few months after the introduction of the program, its popularity was noted: almost all the cars that were planned to be sold under the program were sold. In this regard, the Ministry of Industry and Trade, headed by Denis Manturov, initiated an extension of the validity period for 2018. The program was extended from January 1, 2018.

Terms of the First Car program in 2019

Certain conditions are required:

1. You can use the discount only when purchasing a car on credit;
2. 10 percent discount on the first car credited to the first installment;
3. The state limits the maximum cost up to 1 million rubles in 2019. That is, the largest discount is RUB 100,000.

For example: a citizen buys a car worth 800,000 rubles with an initial payment of 350,000 rubles. The amount of his discount is 80 tr... That is, with a contribution of 350 tr. he actually only has to contribute 270 tr.

We will separately discuss the issue of the bank rate. It cannot be higher than 11.3%, which is guaranteed by government subsidies to the banking sector. Depending on a number of factors, this bar can be lowered.

Lending terms also spelled out in the Government Act:

1. The loan term must be no more than 3 years;
2. A loan can be issued without a down payment. In this case, the opportunity to receive a 10% discount is lost, but the guarantees of a low rate remain. The minimum down payment threshold must be 10% of the purchase price;
3. The loan may include not only the cost of the purchased car, but also insurance and other banking products, provided that the total amount does not exceed 1 million rubles.

Not all are covered by the new project motor vehicles from russian market... They must comply with certain conditions:

• Weight up to 3.5 tons;
• Manufactured in 2018 or 2019;
• The cost is not more than the specified limit.

Conditions for the borrower

The program The first car contains a portrait of a potential project participant:

1. Russian citizenship;
2. Driving license. This restriction was introduced in order to avoid cases of fraud and buying a car for relatives or other persons;
3. No other vehicle previously owned by the participant. The check is carried out on the bases of the traffic police.

Since the promotion is related to banking services, then these conditions should be added:

• Good credit history with no delinquencies;
• Official employment and proven income.

An important point is that at the time of payments under the contract, the client will have to give the bank a receipt stating that he will not take other car loans during the year.

List of cars participating in the program

Consider which cars fall under the First car program... Their list is quite extensive and includes almost all the brands of cars most popular among Russians. Note that some of them were included in the list only in the lightest configurations, since other configurations did not pass maximum threshold in 1 million rubles.

The largest growth in consumer demand in last years enjoys domestic auto industry... The list includes:

The project applies to foreign cars that are assembled in the country:

Brand	Models in any configuration	Models in some complete sets
Chevrolet	Niva, Aveo, Cobalt	Cruze
Citroen	C-Elysee	C4
KIA	Rio	Ceed
Daewoo	Nexia, Matiz
Ford		Focus
Scoda	Fabia	Octavia
Mitsubishi		Lancer
Mazda		3
Hyundai	Solaris
Toyota		Corolla
Nissan	Almera, Note	Tiida
Opel		Astra
Peugeot	301	408
Renault	Logan, Sandero	Duster

How to register a car under the "First car" program

Since the state car loan program is closely tied to the banking sector, the fundamental decision will be the choice of a credit institution. Currently, the following Russian banks have joined the project:

Bank's name	Annual rate	An initial fee
VTB 24	From 5.5%	10%
VOLKSWAGEN BANK RUS	From 6.5%	25%
URALSIB	From 8%	0%
RNKB	8,3%	-
Rusfinance Bank	From 6.7%	0%
Unicredit	From 6.5	0%

Information about the conditions is not presented on the official websites of Sberbank, Bank of Moscow and Rosbank.

The rate, size of the loan and the terms of its repayment within three years will depend on:

• The number of documents submitted confirming the borrower's solvency;
• The presence of a down payment;
• Citizen's credit history.

Buy a car according to the programyou can adhere to the following order of actions:

1. Determine the make and model of the car in the showroom;
2. Choose a borrowing bank;
3. Provide the organization with documents for the preliminary approval of the loan:
   • The passport;
   • Certificate confirming income;
   • Driver's license.
4. Upon approval of the loan and acceptable loan conditions, sign a car loan agreement.

Note the series nuancesto consider when including in a project:

• At the time of payments, the car will be pledged by the bank;
• The bank issues a loan at its own interest, it is necessary to deduct from it 6,7% that will be repaid by the state;
• The payments are annuity payments, that is, equal amounts;
• Credit term should not exceed 36 months, but at the request of the client can be reduced;
• The loan is provided in rubles;
• If the loan amount allows, it may include CASCO and client's life and health insurance;
• The loan amount can start from 50 thousand rubles, that is, in fact, the client can make a significant part of the purchase price in the down payment.

The program has been extended for 2019 and continues to work.

The program for the purchase of the first car, despite the recent start, found a wide response from Russian buyers. Many car dealerships and banks are actively involved in new project, which significantly expanded the geography of innovation.

The reviews available today allow us to do some conclusions about the project:

1. The range of cars available for purchase under the state program is wide enough and able to meet the needs russian consumer as the first vehicle;
2. A sufficient number of banking institutions were involved in the implementation;
3. The responses of a number of participants indicate that, against the wishes of the borrower, insurance products are included in the loan amount, which are optional when concluding a loan agreement, and a number of additional banking services are imposed. Unfortunately, this policy of Russian banks is not new and has not yet found protection for borrowers from the state.

Example for the program "First car"

Georgy Zhdanov in March 2019 graduated from one of the Moscow driving schools and successfully passed the exam at the traffic police. As his first car, the man looked after one of the ford showrooms Focus for 680 thousand rubles and received from one of the banks preliminary approval for a car loan at 17.8% for a period of 36 months.

Let's calculate: with a monthly payment of 24.3 tr. the man paid the bank 874.8 thousand rubles, that is, the amount of the overpayment would be 194.8 thousand rubles. To this amount, you must add the costs of CASCO and possible insurance.

During the registration of rights in the traffic police, Georgy at one of the information stands found information about new state programs and decided to buy a car under the First Car program. The bank that approved the loan to the man was on the list of organizations that joined the program.

As a result, the rate was reduced to 11%, and the man also received a discount of 68 thousand rubles. The monthly payment was reduced to 19.5 thousand rubles, and the total amount of payments to 702 thousand. The man's expenses for the purchase of his first car were reduced by 172 thousand rubles.

Thus, the program helps to reduce costs not only by 10% of the declared discount, but by a much larger amount by reducing the rate.

Conclusion

1. In Russia, the campaign "First Car" began on March 1, 2019. It makes it possible to become the owner of the first car with a 10 percent discount and at a reduced interest rate;
2. To participate in the program and receive purchase benefits, you must meet certain requirements for the borrower and the purchased vehicle;
3. The promotion is valid when buying through the car loan system. Leading Russian banks have joined the project.
4. The First Car program has been extended for 2019.

The most popular questions and answers to them under the state program

Question: I pensioner, after 2 months I am finishing my studies at a driving school. I have do not own a car, only from a wife - they took a loan six months ago. I heard about a new program from the state about discounts on domestic carsif they are the first for the owner. Does the program have age restrictions, and can i become a participant?

Answer: From the packages offered by the Government, the "First Car" suits you. Buyer's age does not matter... It is important that the car is really the first for everyone - this will be checked against the databases. It is also important that you have not entered into any other loan agreements this year. If you did not apply for a loan for the purchase of your wife's car, then you can become a project participant.

Also note that it is possible to purchase not only domestic cars.

Samples of applications and forms

You will need the following sample documents.

Car dealerships have begun full-fledged work on the new state programs "Family Car" and "First Car", which offer buyers very tempting conditions. Moreover, complaints that people are being driven into loans, in general, are not well-to-do - those who do not take a loan can also claim a 10% discount.

New conditions

Let me remind you that instead of the usual recycling and trade-in programs, since July 2017 in Russia. "Family Car" is addressed to customers with two children. “First car” assumes that the car is purchased by a person for the first time.

The benefits of using programs are twofold. Firstly, the client receives a direct 10% discount on the chosen car, and secondly, he saves on overpayment on the loan - the rate is reduced by 6.7% relative to the bank rate, which, in turn, cannot exceed 18%.

Let me emphasize that a 10% discount applies to those who plan to buy on credit. Formally, this condition can be circumvented, for example, by taking a loan for a small amount (the minimum set by the bank) and then repaying it ahead of schedule.

What cars can be bought under the new programs?

Basic conditions - russian assembly and the price is not higher than 1.45 million rubles. The car must be new (from a car dealership) and released no earlier than 2016.

List of cars participating in the Family Car and First Car programs

* - a number of models, for example, Volkswagen Tiguan and Toyota Camry, available only in limited quantity complete sets, the cost of which fits into 1.45 million rubles.

Procedure for obtaining a subsidy

If the buyer and the car he has chosen meet the conditions above, an application for a subsidy can be submitted both at a car dealership (usually in the credit department) and at the office of a partner bank.

The term of consideration is from one hour to several days.

The main documents are passport and driver's license, when using the "Family Car" program - two birth certificates, in which the buyer is recorded as one of the parents of the children. Similar marks should be in the passport.

Applicants for the purchase of the first car do not need to confirm the fact of "first" - the bank will check on its own.

- Borrowers are checked for compliance with the conditions of the state program automatically as part of the credit strategy, plus when applying for a loan, the client signs an additional agreement in which he confirms that he never owned a car (the property right was not registered with the State Traffic Safety Inspectorate), - explains the manager of the Chelyabinsk Regional Public Organization VTB24 Elena Blinova. - If the client drove the car of relatives or friends, this does not serve as a reason for refusing to receive a subsidy.

Those who already took a car loan in 2017 cannot apply for state aid programs. In addition, the client will be asked to sign a commitment not to take new car loans until the end of the year. This condition was introduced in order to exclude the receipt of double benefits.

The client will have to sign another additional agreement, according to which he compensates the bank for a 10 percent discount on the car in case the bank does not receive reimbursement of costs under the state support program. I will clarify here that it is the bank, not the dealer, that compensates the client for the discount.
The conditions of state programs imply that a loan can be issued even without a down payment, and casco insurance is included in the body of the loan. However, the final conditions depend on the bank. A number of banks, in particular VTB24, offer car loans without the need to insure the car under a comprehensive hull insurance.

The Chelyabinsk car dealerships have confirmed their readiness to work under the new programs.

Calculation example

Let the client choose Lada Vesta complete with air conditioning for 571 thousand rubles. If the application for a state subsidy under one of the programs is approved, the partner bank will compensate 57 thousand rubles, and the price of the car will drop to 514 thousand rubles.

If the client makes 200 thousand rubles as a down payment, the body of the loan (excluding casco insurance, if included in the loan) will be 314 thousand rubles. If the bank's interest rate is 16%, and the loan term is 3 years, the monthly payment will be 11 thousand rubles, and the total loan overpayment will be 83 thousand rubles.

A decrease in the rate by 6.7% due to a state subsidy will reduce the monthly payment to 10 thousand rubles (by 10%), and the overpayment to 47 thousand rubles.

The total savings due to direct discounts and subsidized loans will amount to about 93 thousand rubles.

However, the real value may be less, taking into account bank fees, the need to insure the car for comprehensive insurance and other expenses, therefore, before signing the contract, ask for detailed information on the terms of lending.

In July 2017, the Family Car state car loan program was launched in Russia. How does it work? Below is a first-hand review from a real user. All figures are taken from the example - naturally deviations are possible in each specific case. But the gist is 100% correct.

Briefly the main meaning of the state support program Family car:
for families with 2 minor children a 10% discount on a new car is provided.

In addition, there are a number of additional conditions that significantly change the general perception of the program.

Additional conditions for the purchase of a Family car

• The car should be NOT more expensive than 1.45 million rubles. That is, the maximum possible discount is 145 thousand rubles.

If suddenly a car is more expensive, then all dealers successfully bypass this condition - they put 1.45 million in the contract, and everything that is taken from above is taken on a separate payment.

• To get a discount, you must take a loan!

No credit - no discount. A 10% discount on the cost of the car is deducted from the loan amount. For example, if you took a loan of 50% of the total price of a car in 1.45 million rubles, then theoretically you will have to return not 725 thousand rubles, but 575 thousand rubles. But it's not that simple. More on this later.

• The state program includes only those cars that were produced on the territory of Russia.

There are a lot of brands and models, and this is not only "our Zhigul".

It is better to ask the dealers about the participation of a particular model. For it is not always clear why this or that brand fits the program and the other does not. For instance, Kia sportage is not included in the program, although they are collected in Russia.

Nuances of the state program that are not immediately discussed

It would seem an excellent program. Especially when there is money - I took out a loan, got a discount, repaid the loan and oops, profit. But, in addition to the above conditions, there are also nuances that make the program not so profitable.

• You MUST insure your life for the entire term of the loan. And the cost of insurance is added to the loan amount (you cannot pay it in cash).

For example, if you take on a loan 50% of the cost of a car (from the maximum it is 725 thousand rubles), the amount of insurance for a loan for 2 years is ~ 35 thousand rubles, for 3 years ~ 55 thousand rubles.

• You are OBLIGATED to insure the car under CASCO at the offered rates. And if suddenly a car is more expensive than 1.45 million, then only 1.45 million are insured. And everything else is past. Or dances with a tambourine begin - you need to insure additional. equipment, etc. to get the real cost of the car.

CASCO is, in general, a good topic, especially for new and expensive car, but the rates for insurance offered in the dealerships are actually overstated by 15-30 thousand rubles. depending on the company. And you simply won't be allowed to insure yourself.

• You MUST pay tax on income received in kind. ***

You will not be told about this point at all even in the salon during registration. They are stupidly silent about him, as if he does not exist. It will emerge only later, perhaps only a year later (taxes for the current year are paid next year). But there is no getting away from him. When receiving a discount, for example, we again take the maximum - 145 thousand rubles, you have to pay 13% of its amount to the tax, namely ~ 19 thousand rubles.

*** UPDATED in December 2017.

Federal Law No. 335-FZ of 27.11.17 "On Amendments to Parts One and Two of the Tax Code of the Russian Federation and Certain Legislative Acts of the Russian Federation" established that the amount of payment of a part of the initial contribution towards the cost of the purchased car, provided at the expense of the federal budget, when obtaining a loan for the purchase of a car in the manner approved by the Government of the Russian Federation, not subject to taxation (exempt from taxation) from January 1, 2017.

That is, you won't have to pay the tax!

What is the bottom line - to participate in the Family Car state program or not?

1. The maximum possible discount for a car is 145 thousand rubles.
2. You will have to overpay for CASCO on average - 20 thousand rubles. in year
3. Life insurance (depends on the loan amount and term) - 35 thousand rubles. for 2 years at 50% payment.
   Part of the money can be returned if you close the loan earlier and write an application for the return of insurance.
4. Income tax - 19 thousand rubles.
   *** No need to pay anymore - see footnote on new law higher.
5. Overpayment on a loan of 50% of the cost of a car for 2 years at 10% per annum of about 75 thousand rubles.
   If the loan is closed earlier, the overpayment will be less.

In the best case, you will go to 0, in the worst case, you will also pay in excess of the received discount.

An example of a real calculation of a purchase under the "Family Car" state program

• the cost of the car is 1 450 thousand rubles.
• own contribution - 725 thousand rubles.
• cASCO insurance in a car dealership - 55 thousand rubles, but if you insure yourself, then 36 thousand rubles. (overpayment 19 thousand rubles)
• loan for 2 years - 725 thousand rubles. + the loan includes life insurance for 2 years - 35 thousand rubles.
• to give with a discount of 10% - 580 thousand rubles. + 35 thousand rubles. \u003d 615 thousand rubles.
• overpayment for a loan - only 13 thousand rubles. - since the loan was closed completely in 2 months
• life insurance returned - 32 thousand rubles.

Total cost of the car under the state program:

725 + 580 + 13 + 3 + 55 (CASCO) \u003d 1,376 thousand rubles.
I did not return the CASCO insurance, as I consider it necessary insurance.

Cost without state program:

1 450 + 36 (CASCO) \u003d 1 486 thousand rubles.

Profit \u003d 110 thousand rubles.

Why all these calculations?

Before you rejoice at the proposed discount, first calculate everything for your specific case.

• If there is money to close the loan immediately, then the profit will be for sure. Much less than the promised 10% unambiguously, but still.
• If there is no money, you will have to pull the strap of the loan for the entire period and you simply will not notice the winnings. But, the car is at hand, and the loan in any case to pay, but at least slightly reduced at the expense of the state.

And if there is for purchase nice car, but not suitable for the program, then you should not be upset ahead of time, as you can see, in the end the benefit is minimal.

Feedback on the state program Family car

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