Unfortunately, the economic situation in the country is developing in such a way that a larger number of families are not able to independently acquire a car. Meanwhile, such a purchase greatly simplifies life, because it helps not ride public transport, saving money, time and nerves.
To help citizens who are not able to independently carry out such a large purchase, the state program "First Car" was developed at the legislative level. Together with other social programs, she began to operate in July 2017.
The main purpose of such a measure of state aid is not only in assistance to citizens, but also in promoting the domestic car industry, because most of the cars that can be purchased on preferential terms - russian production.
Subsidization is aimed at ensuring that every young family has the opportunity to purchase a car of his dreams, realize their desires. But there are also negative sides, for example, when buying such a car, the owner will not be able to use the program of trad-in or disposal of the machine.
In July 2017, the "First Car" and " Family car" Such a law allowed citizens to acquire a new first and family car using a preferential car loan or due to a subsidy that is paid to a family of several percent of the cost vehicle.
Using a loan that provides many banks, citizens can acquire the desired car on attractive conditions.
Numerous publications suggest that in 2018, the acquisition of such transport using additional trade-in and disposal programs is prohibited.
Conditions of the program "First car"
Under the conditions of the state support program, it is assumed to be implemented by a citizen of some conditions.
- A person who wants to buy a car must necessarily have Russian citizenship;
- Registration of preferential lending is allowed only if the future owner has a driver's license, giving the right to control cars;
- In the bank, the preferential rate on the car loan can be provided only if the car enthusiast was not owned by another vehicle.
Social program is valid only for adult citizens. By law, you can go through the right to manage cars from 16 years, but this does not mean that at such age the child can already sit behind the car's wheel.
The terms of the program work in such a way that a discount when buying a car for cash or loan is possible only if the buyer has not previously owned other machines. At the same time, it is impossible to submit documents to another person, for example, on its age relative. By law, buying a car is possible only on the person who will enjoy them.
Detailed rules of programs can be found in a banking organization that provides such services. The benefit from the purchase also lies in the fact that the car must necessarily be issued in the insurance company under the CASCO program, which will allow to protect the owner from extra costs in the event of an accident.
What cars are available
The state program for the purchase of the first car contains a list of cars that citizen acquire on preferential terms. IN regulatory acts The following list of models is contained:
- Lada (grant, Kalina, Vesta, Largus);
- Kia (Rio, Cerato or Sorento);
- Hyundai (Creta and Solaris);
- Ford (Fiesta, Mondeo, Focus, EcoSport);
- Chevrolet Niva;
- Skoda (Yeti, Octavia and Rapid);
- Volkswagen (Jetta and Polo);
- Nissan (Almera, Sentra Terrano, Qashqai);
- Renault (Logan, Kaptur, Duster, Sandero Stepway., Sandero);
- Toyota (RAV4, Corolla, Camry);
- Datsun (ON-DO, MI-DO);
- Mazda (3, 6);
- Brilliance H230;
- Geely Emgrand 7;
- Other Chinese brands manufactured in Russia.
The car enthusiast can choose the vehicle model that is part of this list for its acquisition on preferential terms.
Contrary to the existing opinion, according to the program, the motorist can acquire not only the car domestic production, but also a "foreign car". As statistics shows, russian car - Every 4 purchased, foreign cars enjoy more popular among Russians.
How to use the state program
The state program "First Car" requires compliance with certain conditions. After performing the three first points - the absence of other cars in the property, the presence of a driver's license, Russian citizenship.
To take advantage of such a measure of state support, the car enthusiast should contact the bank to get a loan agreement. A person needs to contact a bank that officially cooperates with large car dealerships, and has the right to provide such special programs.
A car loan on such a program can be decorated only on the vehicle, the cost of which does not exceed 1.45 million rubles. As a rule, the cost of the first car in life does not exceed this amount, therefore, problems rarely arise with such restrictions.
The maximum term for issuing a loan agreement should not exceed 36 months, during the period of which the borrower should pay off all credit obligations. It is for this reason that before contacting the bank, the motorist must make sure that he can pull such a loan and repay him in a timely manner.
To get a loan, the applicant must provide a package of documents:
- Statement;
- Passport certifying the identity of the applicant;
- Income certificate;
- Information about the selected car.
The convenience of this state program is that the future owner can do without the initial payment. In this case, the interest rate on the loan will be 11.3 percentOf course, you can search cans with more attractive offers.
If the buyer pays part of the cost of the vehicle without borrowed funds, it is provided with a 10 percent discount on the selected machine. Of course, the maximum benefit can only be achieved in a situation where the motorist will make the highest possible size of the initial contribution to the purchase of a car.
Example of calculating discount
The essence of the State Program "First Car" is to pay the initial contribution to the purchase of a car, for example, to buy a car Lada Vesta. According to the rules of such a special offer, when making the first payment, the buyer may be an additional discount on the purchase of a car in the amount of 10 percent of market value vehicles.
An example of calculating the cost of a machine with such a discount is quite simple. For example, if the cost of the vehicle chosen by the buyer is 1,450,000 rubles, maximum discount For the purchase of such a car will be 145,000 rubles. Of course, such a discount is essential.
If the car's purchase takes place at once in several state programs, the buyer has the right to receive a discount of 10 percent only within one of them. The summation of such special proposals for programs is not provided.
Validity of the action
Lending on various state programs is very popular. It is planned that in 2018 the increase in buyers who want to acquire a new vehicle will only increase, despite the fact that the car loan program began to act back in 2014.
In 2018, some adjustments were made to this state campaign in order to expand the capabilities of citizens in this program. It is planned that the validity period of such a special offer is over. However, there are already talking about extending this action for another a few years, until the economic situation in the country improves.
The draft program for 2018 is currently being considered, it is planned that significant changes will be made to the current proposal, for example, additional benefits on trad-in and disposal of the machine will be canceled.
It is possible that the possibility of acquiring a foreign-made car under such a program will be canceled. Nevertheless, the initial action "First car" was introduced to support domestic production machines, but Russian citizens prefer to acquire foreign cars on preferential terms.
Car loan with state subsidy is a loan with a reduced rate for the purchase of a new car of foreign or Russian production. For a long time, Russians have been able to purchase a car for the state program. So, then consider the parameters and with the state subsidy of 2019.
Selection and car loan design
First you need to know the conditions on the car loan with state support in VTB and decide on the brand of the right car.
The following actions should be done for design:
- Leave a request on the site, in the WTB car partner or in the bank office.
- Provide all documents.
- Wait for the decision that is taken on time to two days.
- After registration of insurance and payment of insurance costs on a car manager will give a set of documents on a car and contract of sale.
- The last step is to conclude a lending agreement with state support from PJSC VTB.
When signing the contract, you should learn everything that concerns various fines, overdue credentials, otherwise, in the future, at a critical situation, it is uncomfortable.
What discount can be obtained by subsidizing?
How does preferential lending work? The state takes part of the payment on the car loan. The bank has two options for auto loans with state support:
- "State Program" - a discount of 10% is offered.
- "Driver" - reduced loan rates.
Assubsidation program can be used even when buying a car that will be used for commercial purposes.
Conditions of car loan in VTB Bank
For registration of the car loan with state support, it is necessary to know the requirements for the borrower, it is especially worth considering that several years of interest rates changed several times until 2019.Requirements for the borrower
The Bank decides on the issuance of the car loan to the borrower according to the list of conditions:
- Citizenship of the Russian Federation.
- Age is not less than 21 and not older than 65 years.
- Permanent registration in the regions of the Russian Federation and actual accommodation in the presence of the Bank.
- The overall work experience of 12 months, the experience in actual work should be from 3 months.
- The average salary per month is at least 30 thousand in Moscow and the district and at least 20 thousand for the remaining regions of the Russian Federation.
- The presence of two contact numbers of phones: personal mobile and home / worker stationary.
- Be sure to have a driver's license and the absence of other loans for the purchase of cars, prisoners in 2019
It is necessary to meet all items, otherwise the application will be canceled at the stage of its submission, or the Bank will approve the autocracit for the conditions of the client.
Parameters of car loan
The bank is ready to offer the following parameters of state support to the potential clink:
| Name of the program with state support | Loan terms | Rates (in%) | Maximum amount of car loan | An initial fee | Extra. note |
|---|---|---|---|---|---|
| Driver | Up to 36 months | From 5.5% | 1 120 000 | 0.2 | The reduced rate is available when making insurance together with the conclusion of the loan agreement. |
| State Program | Is not limited | 1 500 000 | Without PV | The client can get a 10% discount. |
As can be seen from this table, the conditions for loans are quite successful. It is worth adding that this program with state subsidy is very popular thanks to its low percentages.
Documents for registration
A physical face to get a car loan with state support can only two documents:
- Russian passport.
- Driver's license.
Additionally, you can use:
- International passport.
- Military ID, servicemen need to show an officer certificate.
- Certificate of the birth of children (if there are two and more juvenile children in the family).
Additional documents are desirable to provide for reliability, it will give a little greater chance that the car loan for a large amount approve.
The list of cars to which the state support program is distributed
Cadillac, Hyundai, Jaguar, Kia, Land-Rover, Lifan, Subaru, Suzuki, Volvo, Lada, Gas, UAZ are falling under the provisional support program. An increase in the number of cars in 2019 is supposed, the list makes it possible to choose a car according to needs.
To make a car loan with state support, you must perform several conditions:
- Machine 2018 - 2019.
- The maximum cost of the machine does not exceed 1,500,000 rubles of the Russian Federation, keep in mind that the cost should not be higher than the loan amount.
- PV complies with tariff conditions - 0%.
- The program does not apply to all configuration of the machines, supporting the minimum of auto functions.
Very good, the program is suitable for young people who first acquire a car for the first time. Thanks to reduced rates and conditions, pay a loan will not be much difficult.
Family car program
Take part in this family program, having two or more children under 18. A 10% discount is provided at the time of payment of the first contribution on a preferential car loan.
The purpose of the program
Many families have no opportunity to purchase a good family car that can satisfy basic requirements: in terms of capacity, price and comfort. The purpose of the preferential car loan with state support is to help large families to acquire their own means of movement with maximum benefits.
Terms of the state program
- Providing documents that will confirm the presence of children under the age of 18 (birth certificate).
- Making a contribution of 20% of the amount.
- The goal of lending is a purchased car.
- No tax debt.
If everything is respected, then you can safely contact the Bank with the documents provided and the application for the receipt of the car loan.
Credit calculator
On the official website of VTB in the "Car loans" section, you can calculate the amount of the monthly payment and the interest rate already with a discount.
To calculate in the calculator, you must fill out the following:
- car model;
- credit amount;
- the sum of the initial contribution is from 0%;
- lending time up to 36 months or unlimited, according to the conditions of the selected program.
For a more accurate calculation, you need to refer to managers, because the calculator provides only approximate information.
Car loans, like other financial products, are distinguished by over investigation to the client. It is not necessary to bring bank debts to recovery and selection of property with bailiffs. Many financial organizations propose to pay for the auto loan through them, in this case the client should consider the terms of payment and the timing of it, because different organizations have options for holding payment may differ from each other.
Take advantage of the car loan with state support can absolutely any - this is one of better options For those who buy themselves the first car or the car for their big family. In addition to car loans with state support, the client can take a cash loan, loan or use other services of VTB 24 bank.
Agree that the purchase of a car for most families of our country has always been a holiday, and the funds were collected for several years. Get a small discount provided by car dealerships is possible only when paying the full cost of the car, calculating in cash. Unfortunately, large families (3 and more child) families are not able to "pull" such a large purchase. It was for them that the program "Family car" was created, and what it is, what are the conditions for obtaining a loan, let's understand together.
State program "Family car"
In connection with the fall in the automotive industry market, the Government of the Russian Federation has developed a number of government programs aimed at stabilizing the situation. Among them:
In connection with the fall of the automotive industry market, the Government of the Russian Federation has developed a number of government programs.
- "A car for the village", aimed to help agricultural and farmers when buying agricultural machinery;
- "First car";
- "His business", target audience which are private entrepreneurs;
- Russian Tractor, car loans for purchase trucks domestic production;
What is the purpose of the program
According to the present project, the state program "Family Car" plans to "kill two hares" - provide orders at the enterprises of the automotive industry and allow large families to acquire a car on preferential terms, the state will pay 10% of the cost of the selected vehicle. Under the program gets like passenger carsand commercial cars.
Please note that the cost of the car should not exceed the figure - 1 million 450 thousand rubles, in addition, the terms of the program, the family car have a number of clarifications that we will talk about just below.
What machine can you choose
Car for the whole family
It is worth noting that a fairly wide range of cars fall into the car loans specified in the conditions of car loans.
All proposed cars on the program will have a minimal complete set.
- almost all AvtoVAZ models;
- foreign cars falling into the category of economy class of manufacturers such as Skoda, Nissan, Renault, Volkswagen. The main condition for foreign representatives - machines must be produced in the territory of the Russian Federation.
Please note that all the proposed cars will have a minimal complete set.
Consider the conditions
So, the program "Family Car" 2017, the conditions for obtaining a subsidy are:
- the family must have the right to receive the status of a "Large Family";
- lack of car;
- the credit rate in the chosen banking institution should not exceed 18% per annum;
- year of production - 2016-2017. Purchase must be made exclusively through the salons of official manufacturers;
- mandatory deposit and prepayment in the amount of 20% of the car value;
- the loan is issued in national currency and does not provide for additional fees, fees. However, the complete conditions for making a car loan recognize in the bank's separation;
- the term of the contract should not exceed 3 years;
- the mass of the machine should not exceed the indicator - 3.5 tons.
Please note that in the Conditions of the program in 2017 it was possible to buy a car, due to maternal capital. The main condition is two and more children.
We collect a package of documents
Changing the price of the car under the program "Family Car"
For registration of preferential car loans, a certificate is needed confirming the status of a large family.
In connection with the refinement of the subtleties of the design of the "Family Car" program within the framework of preferential car loans, the accurate package of the necessary papers is not yet known. However, one document will be needed exactly - a certificate confirming the status of a "large family".
Please note that the design of the certificate takes 30 working days, and for this it is necessary to contact the regional (local) management of social protection or MFC. Already issued a long time ago, then check if the validity period has expired. Since in some regions of our country, the certificate must constantly confirm and extend.
Terms of banks
Basic requirements of program participating banks:
- the borrower may be an extremely individual;
- have in the presence of citizenship of the Russian Federation and registration at the place of receipt of the loan;
- work experience at least 1 year, while at the last place of employment - at least six months;
- net credit history;
- the age of the borrower is at least 21 years at the time of receipt of the loan, but not more than 60 years. At the time of the full repayment of the loan, the age of the borrower should not exceed the mark of 65 years.
In case the borrower is a woman, many banks put an additional condition for the lack of children under the age of 6 months.
Order order
Car for family
The main stages of loan design:
To make a preferential car loan, you must collect the installed package of documents.
- choose a car, taking into account all the subtleties;
- we analyze bank offers, choose the optimal option for you;
- we collect documents and send to the branch of the banking institution with the relevant application;
- we sign the contract of sale and introduce the initial fee;
- we put the car for accounting in the traffic police;
- we make a deposit, insurance and subscribe a loan agreement.
We recall again, the list of conditions, the necessary package of documents and the design stages may vary depending on the banking institution. Specify directly from the bank employees!
"Family car" Support program for large families - a real opportunity to buy a car. Examine lending options, and you will definitely find an acceptable option.
Buying a new car in the Motor Show Ria Avto has a number of significant advantages compared to the acquisition of a vehicle with hands. But, not every large amount of cash is always on hand to make a deal. In such a situation, banks and the state come to the rescue. The first give out car loans, the second - launches programs that allow them to get them on more favorable terms.
Since July 2017, another subsidy program began to act in Russia, which is designed to help a person who has previously never owning the car, take a profitable car loan with a reduced bid and get an additional discount on a new car.
Conditions of the program
Old state support programs remain in force (except disposal and trade-in, they were decided to minimize). For novice car owners, two programs will be the most interesting programs - preferential lending and discount on the first car. The maximum rate on the car loan for beginners will not exceed 11.3% per annum. But you can reduce the bet even more by reviewing the proposals of specific banks (partners of our car dealership) - in some it can be even lower (it depends on the initial bet that the bank establishes).
Below will look at the main provisions of the program "First Car".
Salon Mas Motors actively cooperates with many credit organizations of Russia (more than three dozen partner banks). Thanks to the borrowed funds, customers becomes available noticeably more the lineup Car foreign and domestic production than only with their own accumulated money.
Potential customers are offered not only standard credit products (consumer and car loans), but also trade-in programs, installments, as well as government subsidies.
On July 1, 2019, the state allocated an additional 10 billion rubles to support the state programs of preferential car loans.
Conditions of the program "First car"
A new initiative to increase demand for new cars is based on the basis of existing state support programs. Below are only general requirements without taking into account any specific credit products of individual banks that will issue loans to the population.
Requirements for a credited car- The cost of the car cannot be higher than 1 million rubles. (the amount fully meets updated parameters common program Assubsidation to buy new cars);
- Only new cars are credited (release year should be no less than 2016).
- The car must be assembled in Russia.
- The program makes the only mandatory requirement - the acquired car must be the first to the owner. This fact will be checked through the traffic police (the applicant has not previously issued a car) and through the credit history bureaus (the car loan has not been issued);
- Restrictions on age and income - no;
- State support applies only to citizens of the Russian Federation.
- The buyer should have a driver's license on his hands.
- Minimum initial fee -20%; It is possible without the initial contribution, but then the right to a discount on it is lost;
- Loan period may not exceed 36 months (3 years);
- The bank's rate on the car loan should not exceed 18% per annum.
