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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 under 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 a decrease in real incomes of the population. As a result, in 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 the 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, 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%).
A 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 program participants, 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 costs 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).- Cetelem Bank LLC (owned by Sberbank and specializes in car and consumer lending);
- PJSC VTB24;
- Volkswagen Bank RUS LLC;
- JSC MC Bank RUS;
- PJSC Bank Uralsib;
- PJSC NKB Radiotechbank;
- JSC TatSotsBank;
- PJSC Sovcombank;
- PJSC Sarovbusinessbank;
- PJSC JSCB Energobank;
- RN Bank JSC;
- LLC PSA BANK Finance Rus;
- Rusfinance Bank LLC;
- PJSC Plus Bank;
- 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 on the territory of Russia. These criteria fall under:
- the whole the lineup traditional Russian car brands that release new cars in 2016 and 2017 (LADA, UAZ);
- foreign cars assembled on the conveyors of AvtoVAZ and LADA Izhevsk ( Nissan almera, Datsun);
- cars Chinese stamps produced 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 Skoda models and Volkswagen, cars of the Korean brands Hyundai and KIA, etc.)
More information on specific models vehicles 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 driver's license), it will be necessary:
- a member of the Family Car program will need to provide birth certificates of children containing the name of the borrower in the fields about one of the parents (if necessary, also documents confirming the change of the name of the borrower, for example, a marriage certificate).
- customers wishing to get a loan under the "First Car" program are also waiting for check on the bases of the traffic police for the ownership of other machines.
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To maximize audience coverage in 2017, subsidized car loans will be issued without limiting the minimum amount of the down payment.
The Ministry of Industry and Trade proposes to establish a 10% discount when buying cars under the previously approved state programs "First Car" and "Family Car" instead of the previously planned fixed amounts of 60 thousand rubles and 100 thousand rubles, respectively (see table).
The draft resolution with this proposal has been sent for approval to the government, - a source in the Cabinet told Life.
In 2017, the Ministry of Industry and Trade of Russia created special programs to support the demand for cars: "To qualify for a discount in the first case, the car must really be the first in the property of a person under 30 years old; in the second case, age and previous car purchases do not matter. but the person must have two or more minor children. The use of these programs will be accompanied by a written commitment (which will go to the Credit Bureau) within a year no more car loans.
A special plus is that these tools can be used in conjunction with a preferential car loan. Moreover, interest will already be accrued on the amount of the contract, taking into account the discount, and the cost of the comprehensive insurance can be included in the car loan itself. If last year the Ministry of Industry and Trade limited the minimum initial payment for a car loan at 20%, now they have decided to cancel this condition altogether.
In 2017, the maximum cost of a car for which you can apply for a discount and a car loan increased from 1.15 million rubles. up to 1.45 million rubles. The maximum state discount on preferential car loans is fixed at 6.7%. Actually, in 2016 it was exactly the same, but it was tied to the key rate of the Central Bank (2/3 of the rate) - obviously, assuming a change in the rate, the officials decided to decouple the calculation of the car loan from it. By the way, the maximum rate of the loan agreement is also fixed - 18%.
The government expects that new programs and car loans will help sell 398.5 thousand cars, which will have a beneficial effect on the auto industry. For these purposes, 17.5 billion rubles are allocated from the treasury. All in all, Russia is going to spend 62.3 billion rubles on the automotive industry this year. - half as much as a year earlier. It was this economy that caused the emergence of such narrow and specific programs as the "family" and "first" car, believes Vladimir Bespalov, an analyst for the auto industry at VTB Capital.
The programs turned out to be very niche, they are unlikely to radically affect the market. Well, it is impossible to support the market all the time at the expense of the same utilization of "auto junk" and trade-in (buying a new car together with the sale of an old one). These are temporary measures that must be continued during a sharp downturn in order for companies to adapt to the new environment. Therefore, it is quite logical that demand support goes into such narrow segments, the analyst noted.
Buying a new car at the RIA AVTO dealership has a number of significant advantages compared to buying a vehicle from hand. But, not everyone always has a large amount of cash on hand to complete a transaction. In such a situation, banks and the state come to the rescue. The former give out car loans, the latter launches programs that allow them to get them on more favorable terms.
In July 2017, another subsidy program began operating in Russia, which is designed to help a person who has never owned a car before, take a profitable car loan with a reduced rate and get an additional discount on a new car.
Program conditions
The old programs of state support remain in force (except for utilization and trade-in, it was decided to curtail them). For novice car owners, the most interesting will be two programs - preferential loans and a discount on the first car. The maximum rate for a car loan for beginners will not exceed 11.3% per annum. But you can reduce the rate even more by looking at the offers of specific banks (partners of our car dealership) - in some it may be even lower (this depends on the initial rate set by the bank).
Below we will consider the main provisions of the First Car program.
In Russia, since the beginning of July, two government programs- "First car" and "Family car" - allowing you to seriously save when buying a new car domestic production... Within each of them, you can buy a new car with a 10 percent discount. At the same time, discounts can be combined with each other and with other support measures for car buyers. MIR 24 found out who can apply for and which models can be purchased at discounted prices.
As the names suggest, novice drivers and a mother or father of two or more children can become participants in state programs - all you need to do is present a birth certificate. Anyone who has not previously acted as a borrower for a car loan and has not registered a car for himself can participate in the First Car program. At the same time, the age of the buyer does not matter.
In addition, it is important to take into account that, unlike the program of preferential car loans, in the new state programs, the size is not important, the size of the initial payment and the fact whether the car is taken on a loan or not. In any case, the discount will be 10% of the car dealership price.
What cars can be purchased under these programs? First of all, the car must be new and assembled on the territory of Russia. In addition, its cost should not exceed 1.45 million rubles. So, under new programs with government subsidies, you can buy: all Lada models and , Volkswagen polo and Jetta, Nissan models - Terrano, Almera, X-Trail, Qashqai, Sentra, Tiida, Toyota models- Camry and RAV4, Hyundai models - Solaris, Elantra, i40, Tucson, all models sold in Russia, except Sorento and Quoris, as well as many other cars popular in our country.
It is very important to note that the discounts of the new programs are cumulative with other offers. In our country, a program for new domestically produced cars has been operating for several years. The state pays for the buyer 6.7% of the bank's interest rate. So, if a financial institution gives a loan at 17.7%, then the motorist pays only 11%, the rest of the money is transferred by the state.
The combination of the Family Car program and a subsidized loan rate is highly beneficial. Let's say a driver with two children wants to buy on credit for three years Lada Vesta, which costs 580 thousand rubles. He applied to the bank and was offered a loan with a rate of 17.85%. Without participation in any programs, he would have to pay almost 21 thousand rubles a month - as a result, the car would have cost him 756 thousand rubles.
Meanwhile, under the family program, the price is reduced to 522 thousand rubles, and subsidizing the loan reduces the interest on the loan to 11.15%. As a result, a large driver will pay the bank 17 thousand rubles a month, and the total cost of a new car will be 616.7 thousand.
The client will receive no less benefit if he uses the First Car program and subsidized car loans. Let's say a certain driver has just finished and got his license. He dreams of buying a new one Ford focus, which costs 669 thousand rubles. To do this, he intends to use a loan with a base rate of 17.85%. Without state programs, the driver would pay 24.1 thousand rubles a month - while the real cost of his car would be 869 thousand. Having received a discount under the First Car program and using a subsidized rate, he will pay 19.8 thousand rubles for a car every month and spend 711 thousand in total.
It is also worth noting that participation in state programs allows you to level the loan overpayment if there is an opportunity to pay the initial installment. Let's say if you decide to buy Hyundai solaris for 625 thousand rubles and you can immediately pay 120 thousand rubles, and take the rest of the amount on credit for three years, then, taking into account the discount and subsidizing the rate, the loan payment will be 14.5 thousand per month. Thus, in three years you will pay 522 thousand rubles, and taking into account the first installment, the car will cost you 642 thousand.
In May 2018, two programs - "Family car" and "First car" planned to be completed, but already in July a message arrived that the government by the end of 2020 extended preferential car loan programs, to help parents finally get their own vehicles.
Not a luxury, but a means of transportation!
When the Lipetsk invalid Dmitry Mukha told the president in 2016 how much a seven-seater car is needed for a large family in which he is brought up, and “begged” the head of state to help fulfill the “pipe dream,” the young man hardly expected a response.
However, his appeal became another proof - to Russian families Personal car as needed as air. Some - in order to quickly transport children to schools and kindergartens, others - to get to work from a suburban village, the third - to organize high-quality children's leisure time, going out into nature or traveling around the region.
A car for every family!
Launched in 2009, the state program for subsidizing car loans has brought the dream of buying a family car closer for many. In July 2017, two new subprograms appeared - "Family car" and "First car". It is planned that thousands of Russians will take advantage of their attractive conditions in 2019.
The residents of the Far East were the most fortunate. For them, as stated in the government decree, the most attractive discounts are provided. In particular, under such social programs as "The First Car" and "Family Car" they have been increased to 25 percent of the cost of the purchased car.
The rest will have to be content with the 10 percent discount in effect since 2015. It is provided by the bank, and the difference is reimbursed by the budget. The authorities expect that by the end of 2019 alone, more than 45 thousand cars will be purchased across the country under the concessional car lending program. Including about 6 thousand cars - in the Far East, where the domestic auto industry still loses in mass proportion to the Japanese.
For all these purposes, 15 billion rubles will be allocated - this is the total amount of financing for the program of preferential car loans.
A car for large families in 2019 under the "Family Car" subprogram is provided on the following conditions:
the presence of at least two minor children;
year of car production 2018-2019 (PTS for a car must be issued no earlier than December 1, 2018);
cost, including insurance, - no more than 1.5 million rubles;
you can buy the first car for a large family in 2019 without an initial payment (the state pays a 10% contribution for you);
You need to repay a preferential car loan in a maximum of 5 years.
It is noteworthy that a 10% discount can be obtained if the following conditions are met:
if you have a passport of a citizen of the Russian Federation;
if you have a driver's license;
having no other car loans;
not having previously owned other cars (for the First Car program);
if there are at least 2 minor children (for the "Family Car" program).
What lending rates will you have to pay after buying a family transport? Each bank sets its own interest (but not more than 17%, fixed by law).
Important! You can take out a soft loan for a car for a large family only once every 12 months ("Family car") or once in a lifetime ("First car").
What else do you need to keep in mind?
Unfortunately, having children is not the only criterion. To new car for a large family from the state has become a reality, you will have to meet the requirements of bankers.
Banks present a standard set of qualities that a borrower of a preferential loan should have:
a documented permanent source of income;
age 21-65 (some banks are ready to raise the upper age bracket);
net credit history.
This list can be adjusted, so carefully study the terms of lending in the selected bank.
How to buy a car with benefits?
To purchase a car, you need to contact either the bank's credit department or a car dealership, after making sure that it participates in the car loan subsidy program.
Otherwise, the procedure for drawing up a loan agreement is standard. In addition, you only need to prove that there are children available, and here are their birth certificates. If the first car is bought, then the absence of previously purchased Vehicle check on the traffic police database.
On a note! Owning a moped or motorcycle will not be a reason for refusing a preferential car loan.
find out if it is possible to change the insurance;
are there any restrictions on the transfer of cars to relatives;
find out about current dealer discounts and promotions;
find out the bank's criteria for borrowers;
evaluate your own strengths.
On a note! Sberbank, VTB24 and Rosbank- key participants in new car loan programs with discounts and benefits.
Regional support
In some regions, there is a separate subsidy for a car for large families. Usually it is received by large families (with six or more children), and money is given right away for a minibus.
Tulyaks who have lived in the region for 10 years and older and have 7 children or more are given 590 thousand rubles one-time;
Khakassian families with 7 or more children receive 900 thousand rubles each. within the framework of the program "Let's Preserve the Joy of Childhood";
Those registered and living in the Arkhangelsk region are ready to compensate a million rubles when buying a vehicle if they have 6 or more children in their upbringing and have received a regional award "Appreciation" for the upbringing of 3 or more of their own or adopted children up to 8 years of age
Are large families given a car for free? If you live in St. Petersburg and literally have seven people in the shops, then you have the right to get a minibus one-time. Residents of others settlements it is necessary to find out about the generosity of the local authorities in the social protection authorities at the place of residence.
