To support families that have two or more children, the government of our country several years ago developed a program called “ Family car" After all, not every family can afford to buy auto vehicle, which is sometimes very necessary. In large families, the issue of buying a car is especially acute - taking the children to school, picking them up, taking them to activities, and so on. The program is also aimed at supporting domestic vehicle manufacturers. Every year, the procedure for providing the program changes, so before deciding to participate in the program, you need to know what the conditions of the state program for a family car are in 2019.

By all current rules Families with two or more children can take advantage of the program. In this case, children must be minors at the time of participation in the program. The program provides such families with a discount on the purchase of a new car. IN percentage the benefit is 10% of the price of the vehicle.

Parents of children participating in the program must be officially married, live together and run a joint household. They must be registered in the same area. The shortest period of permanent residence on the territory of the Russian Federation is three years. Each family member must be a Russian citizen.

If a family has two children, one of whom is over 18 years old, they automatically lose the right to participate in this program. But if an adult child has entered full-time studies at a higher educational institution, then the program for providing benefits for the purchase of a new vehicle is extended until he turns 23 years old. The same condition applies to families whose child was drafted into the army.

Features of the preferential program this year

The goal of the program is to help families and to the domestic auto industry.

• The loan is provided in rubles.
• The benefit amount is 10% of the cost of the vehicle.
• There is no need to pay additional personal income tax.
• Loan term from 36 to 60 months.
• There is no subsidy for interest on car loans.
• The maximum annual rate is 17%.
• The program includes cars priced up to 1,500,000 rubles.
• The car must be new and assembled on the territory of the Russian Federation; some foreign brands auto.
• The car must be released no later than December 1 of last year.
• According to the program you can only buy a car, whose mass does not exceed 3500 kilograms.

The program is valid in major cities countries, so some program conditions may vary slightly. In the Far East, the government decided to make special conditions - the benefit can reach up to 25% of the cost of the vehicle.

What kind of car can be purchased under the program?

But not only must the family that applies to purchase a vehicle under this program meet certain requirements, the requirements also apply to the vehicle itself.

• The cost of the car should not be more than one and a half million rubles.
• The car should not be more than 3.5 tons.
• The car must be assembled in our country.
• Released no earlier than 2017, 2018.
• Not all car models participate in the program, but only 70 items.

Under the program, a family can buy cars of the following brands:

• Hyundai - Solaris, Elantra, i40, Tucson, Creta;
• Lada - Kalina, Granta, Vesta, Largus, Lada 4x4, Xray;
• Niva Chevrolet;
• Citroen C4 - sedan;
• Ford - Focus, Mondeo, Kuga, Ecosport, Fiesta;
• Kia - Rio, Ceed, Ceed_SW, Cerato, Optima, Picanto, Soul, Sportage;
• Mazda - 6, CX-5;
• Renault - Duster, Kaptur, Logan, Sandero, Sandero Stepway;
• Mitsubishi Outlander;
• Rejo 408;
• Skoda - Superb, Rapid, Octavia, Yeti;
• Volkswagen - Polo, Jetta;
• SangYoung Actyon;
• Toyota - Camry, RAV4;
• Cherry Tiggo - 5, FL;
• Geely Emgrand- 7, GT, X7;
• Brilliance - H230, H530, V54;
• UAZ - Patriot, Hunter, Pickup;
• Hawtai Boliger;
• Lifan-Smily, Solano, X50, X60.

This list may be updated periodically.

Which banking institutions participate in the program?

Not all banking institutions participate in the state support program. To receive the benefit, you must select and contact one of the institutions presented on the official website of the Ministry of Industry and Trade of the Russian Federation.

This year the following banks are actively participating in the state program:

• VTB 24;
• Setelemu, Sberbank;
• UniCredit;
• RADIOTECH;
• TatSotsBank;
• SAROVBUSINESSBANK;
• Energobank;
• RN Bank;
• Finance-Rus;
• Rusfinance;
• Plus Bank;
• Gazbank;
• URALSIB;
• Sovcombank;
• MS-Bank RUS;
• Volkswagen RUS.

In this case, the list of institutions can be expanded and updated.

Requirements

This year, the state support program for the purchase of a car established the following list of requirements for the borrower himself:

• Russian citizenship;
• birth certificates of two or more children to confirm their minority;
• valid driver's license;
• no other vehicles owned that were purchased under the car loan program within the last two years;
• registered marriage;
• age from 18 to 65 years;
• permanent registration in Russia;
• official employment;
• experience in the last place - from 4 months;
• the effect of the state program in the region of registration.

Families can use this state benefit only once. At the same time, both husband and wife can use it to purchase a vehicle.

The process of applying for a car purchase under the program is not much different from the process of applying for a regular loan for the purchase of a vehicle.

To get a loan for favorable conditions using state support, it is necessary:

• decide on the choice of make and model of the vehicle. The vehicle must meet all program requirements. A car dealership salesperson will help you decide and select a car;
• find out on the car dealership’s website whether it supports the state program;
• confirm the possibility of participation in the state program by collecting all the necessary documents;
• consider all the conditions of banking organizations and make a choice in favor of the best;
• provide documents to the banking institution and fill out an application for a loan using government support;
• get a positive decision;
• draw up a contract at a car dealership;
• make the down payment amount, if provided for in the agreement;
• insure your car and your liability;
• get your brand new car.

The process of drawing up a loan agreement for purchasing a car with government support takes no more than 3 months. After which the borrower is obliged to make full monthly payments for the vehicle within the period established by the contract.

List of required documents for registration

To participate in the program you must prepare the following documentation:

• passport of a citizen of the Russian Federation;
• driver's license;
• income certificate;
• taxpayer number;
• work book or contract certified by the employer;
• children's birth certificates;
• permission from the second spouse to purchase a car.

How long will the program last?

According to the latest data, the program to provide preferential conditions when buying a car on credit for families with 2 children, as well as for large families, has been extended until December 2020.

Is it possible to participate in the program if the family has a vehicle that was inherited?

The restrictions for participation in the state support program do not include a ban on owning other vehicles. If a family or one family member inherited a vehicle, this will not become an obstacle to participation in the state program.

The only obstacle can be if the car was purchased on credit within the last two years.

If all the requirements of the state program are met, the borrower has every right to participate in car loans with state support.

Is insurance a requirement?

The full list of requirements for a vehicle participating in the program is prescribed in Resolution 364 of the country’s government. This does not indicate the fact that the owner is obliged to purchase an insurance contract. The borrower has the right to refuse this service.

A citizen can also return the money he paid for the insurance contract within five days from the date of signing it.

Is it possible to participate in the program if there are adopted children in the family?

The main requirement for purchasing a vehicle on credit using government support is the presence of two or more minor children in the family. In this case, it does not matter whether these children are natural or adopted. If all documents for adopted children are prepared in accordance with the norms and rules of the laws of the country, then this year the family can take advantage of this program without any problems.

But in this case, the list of required documents will be slightly larger. All documents for adopted children will also be required. It is important to know that a banking institution cannot refuse a loan due to the presence of non-natural children in the family.

Is it possible to participate in the program if the spouses are divorced?

If the spouses are divorced, then the parent who supports and raises the children can participate in the program. To do this, you need to collect the same package of documentation as in the standard case. The entire process of purchasing a vehicle on credit under the program will be identical to the regular car loan process.

A parent who applies for participation in a program with state support is obliged to support all minor children. If he does not do this, then he will not be able to take advantage of government benefits for the purchase of a car.

It is important to know

• Families with 2 or more minor children can participate in the program. If there are 3 or 4 children in a family, one of whom has reached the age of majority, then the family can still qualify for the benefit. If there are 2 children in a family and one of them is over 18 years old, then the family is deprived of the right to preferential loans.
• To participate in the program, it is necessary that all family members be registered in the region where the banking institution is located.
• Spouses must have the same region of registration.
• Parents must provide supporting documents confirming the minority of their or adopted children.
• If a family has already taken advantage of the state support program, they will not be able to use it again, even if they move to another region.

If your family falls under all the conditions of the program, then feel free to apply for a car loan on preferential terms. Recently, prices for vehicles have increased significantly, and the upward trend will continue. So now is the time to take advantage of the government support program and buy a vehicle for your family.

State program “Family car”: conditions updated: January 16, 2019 by: admin

Good afternoon! I rent out my mother's old apartment, and usually I came across normal tenants.

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

And I couldn’t kick them out of the apartment; I had to resort to changing the locks while they were gone. Called the master.

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

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

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

The analytical agency "AUTOSTAT" has compiled a list of cars that can be purchased under the state program "Family Car". Experts report that out of 300 new models, 77 are available.

We remind you of 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 in the Russian Federation. The list includes absolutely all LADA and UAZ brand cars, as well as some cars assembled at the Izhevsk plant ( Datsun mi-DO and on-DO, Nissan Almera).

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

Three or more models are 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 were 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 OF 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 existing measures to help the Russian automobile industry, a new targeted state program “First Car” has been under consideration for several months in 2017-2018. First Car

Program participants

According to the traffic police press service, there are already more than 56.6 million cars on Russian roads. 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 became known as the “First Car” support program.

Warning!

As a rule, beginners prefer to buy inexpensive used foreign cars. They are affordable, and their range of options is quite wide.

However, according to the ministry’s plan, novice motorists should switch to new domestically produced cars. According to preliminary data, the state is ready to allocate 6 billion rubles to support young and novice drivers. What is the reason for this initiative? This:

• An opportunity for Russians with little income to become owners of a new car.
• Increasing demand for products of the domestic automobile industry.
• Expansion of the network of service stations servicing Russian cars.

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

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

What government programs exist

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

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

Car on credit

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

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

• "Family Car of the Year 2017";
• "First car";
• "Russian tractor"
• "Russian farmer";
• “Your 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 large family in 2017."

The Ministry of Industry and Trade is still working on these support measures. It is expected that the activities will be more targeted than those previously in place. However, according to experts, such measures are not a 100% guarantee of increased demand, and therefore do not attract approval from automakers.

Association European business(AEB) sent a proposal to the Ministry of Industry and Trade to maintain the old programs and the previous volumes of support. Is the program running now?

Attention!

Despite the rosy promises, the government has not yet fully decided on state support programs for the automotive industry market. Automakers also don't know what to expect from the coming year. There are concerns that the above-mentioned intervention systems exist only on paper.

The real mechanism of their work is not completely clear even to the officials themselves. It can be assumed that the decisive factor for the implementation of new programs will be the conditions that prevailed in the Russian car market in the first months of 2017. According to expectations Russian government, V soon Auto production should grow by 3–7%.

If this happens, no new measures will be introduced. Otherwise, a mechanism for introducing measures to support automakers will be launched around mid-spring.

Advice!

The press service of the Ministry of Industry and Trade reports that the development and optimization of these programs is still ongoing. Experts 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 support “will be personalized and broken down by sector of the auto industry.” If positive changes are recorded in a certain sector, the scale of subsidies will decrease.

Program conditions

It should be recognized that, despite all the efforts of experts, the Ministry of Industry and Trade has not yet formulated the final conditions of the “First Car” program in 2017-2018. However, some aspects of the issue have already become a little clearer. Purchasing a car

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

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

As for the maximum cost of the purchased car, the threshold is expected to be 800,000 rubles. It is unknown whether it will be increased at the request of representatives of the Russian Automobile Dealers Association. As you know, they proposed increasing the cost limit for models that can be purchased 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 terms of the programs after receiving the results of the car market for the first three months of 2017.

Procedure for registration and paperwork

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

Until the Ministry of Industry and Trade launches the “First Car” state program and develops a mechanism for distributing benefits, novice drivers may take a closer look at the alternative benefit programs mentioned above.

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

First Car Program

On July 19, 2017, the “First Car” state program 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 at special conditions. Buying a car is an expensive undertaking, so most citizens postpone it for some time or use credit.

Among the newcomers most in demand used foreign cars. They differ affordable price and a wide range of functions. However, the state program offers newcomers to purchase cars from a domestic manufacturer. The “First Car” state program was created to achieve the following goals:

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

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

Age and requirements for the borrower

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

• citizenship of the Russian Federation;
• having a driver's license;
• lack of ownership of other cars;
• The car purchased must be the first one owned.

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 were under 30 years old could participate in the program. However, the Ministry of Industry and Trade, responsible for implementing the system, reports that there are no age restrictions.

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

Conditions of the state program

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

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

When a loan is taken out without making a down payment, no discount is provided. However, you can receive compensation for your insurance premium. When buying a car for cash, there is also no way to get a discount. One option is to use loan funds for a minimum period. In this case, the down 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 an appeal from representatives of the Russian Automobile Dealers association, this amount was revised to the specified amount.

Loan term – 3 years. The specified car loan repayment period is the maximum. If loan funds are taken for longer period, then the program does not work. The contract must be concluded after 07/01/2017.

Attention!

The highest loan 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 largest 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 reduction in this list Other cars may also get caught. Permissible weight vehicle weight is no more than 3.5 tons.

Another requirement is the production date of the machine. You can purchase 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.

The Russian Federation has a system of subsidizing loans for cars produced within the country. State support allows you to pay 6.7% of the interest rate established by the banking organization. For example, at a rate of 17%, the buyer pays 10.3%, the remaining funds go 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 current promotions on the official websites of manufacturers.

The first car program is combined with other offers from car manufacturers. For example, within Nissan programs"Prime numbers" there are reduced rates on certain brands. At buying a Nissan Almera rate will be from 3% for a loan period of 3 years.

Maximum benefit when using the state program it is 145 thousand rubles. For example, when purchasing a 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 you use the “First Car” promotion from July 1, 2017, the discount amount will be 41,200 rubles. The total cost of Datsun on-DO will be 370,800 rubles.

List of cars

It has been established which cars fall under the first car program. IN standard You can purchase the following car brands:

• 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 version Access 2017, mi-DO version 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 information about lending conditions is not provided. Also, the list of banks is constantly expanding, so detailed information find out on the official websites.

According to numerous reviews, the program has attracted the interest of citizens, and banking organizations are actively accepting applications. Gradually, the number of banks considering such applications will increase. There is a certain procedure for applying for a loan on preferential terms:

• Select the required car brand, loan amount and repayment period. 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 whether the car dealership cooperates with the banking organization where you plan to take out a loan. This information is provided on the official portals of banks.
• Then you need to collect documents that allow you to take advantage of preferential conditions.
• Choosing a loan program. Most banks offer loan rates of about 15-17% per annum. However, there are special offers for which the rate is 11.3% or lower.
• Submitting an application for a loan. The document can be issued at the bank itself or at a salon that interacts with the selected organization.
• Receiving a decision from the bank. If the application is approved, then the transaction proceeds. As a result, a loan agreement is signed.

Concluding an agreement with a car dealership, making a down payment. Signing an agreement with the insurer. Receiving a car after admission necessary funds. Loan repayment in accordance with the selected conditions.

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

State program "First car"

Programs to support the domestic automobile industry were launched by 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 working. This year, the above support measures Russian automobile industry a new targeted assistance program “First Car” has been added.

According to officials, such a program will stimulate demand for passenger cars from individuals who did not previously own a vehicle.

Conditions of the state program “First Car”

At the moment, the Ministry of Industry and Trade has announced 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 the following:

1. Any adult citizen of the Russian Federation can take part in the project of the state program “First Car”;
2. project participants will receive a discount on the purchase of a car in the amount of 10% of the cost of the car;
3. a car purchased for the first time should cost no more than RUR 1,450,000.

Registration procedure

At the moment, the Ministry of Industry and Trade has decided on the conditions of participation. The applicant can submit a specific application for participation in the “First Car” program to the bank. IN mandatory presentation of the driver's license, as well as documents confirming the absence of ownership of the vehicle.

The credit institution will check the individual’s credit history and require a receipt that the citizen will not buy other cars on credit until the end of 2017. These requirements are mandatory in order to ensure that the buyer does not reuse the discount provided by the “First Car” state program.

Who can become a participant?

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” came into force on July 1, 2017. A citizen who does not own a vehicle already has the right to take advantage of this subsidy.

Regarding the assistance provided by the state to auto manufacturers, the head of the Ministry of Industry and Trade Denis Manturov said that the support will be targeted and will concern individual sectors of the auto industry. If positive changes are identified in a particular sector, the amount of subsidies will be reduced.

Advice!

At the moment, it is known that new state programs of the Ministry of Trade and Industry, which are aimed at the rapid development of the automotive industry, were also introduced 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 high demand from motorist buyers. 50% of the amount will be allocated to passenger 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 a? Cars provided

Due to various factors, buying a car is a problem for many people today. Often there is not enough money for a new one quality car Therefore, the “First Car” program was developed. Began to operate on July 1, 2017.

By promoting this and other projects, the government is supporting automotive industry, stimulating production and saving thousands of jobs. Anyone can take advantage of this wonderful opportunity to purchase the vehicle of their dreams.

Of course, like in every barrel of honey there is a small fly in the ointment: you will have to say goodbye to bonuses for scrapping a car and trade-in, the government has made a strong-willed decision to abandon them.

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

Conditions of the “First Car” program in 2017-2018

Let's move on to a more specific and detailed consideration of the program conditions. In order to buy your first car, you must have citizenship of the Russian Federation. Without a driver's license, don't even dream of taking out a loan under this program.

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

How to get a bank loan profitably

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

After this, you will have to write a statement that you undertake not to enter into any other contracts this year that would include 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 we need to clarify the second point. He excludes the possibility of purchasing a car using the documents of his great-grandfather, who in his youth was good at handling horses on a collective farm, and never had a driver’s license. Or, make a purchase in the name of a minor child.

Attention!

These restrictions are provided in order to exclude unscrupulous motorists who are tired of old car, but the prices for a new one are steep, and I want to save a decent amount. Only those people who actually did not previously have this means of transportation take part in the “First Car” program.

Employees of the country's driving schools will not be left without work; one can easily imagine what wave of people will fill their classrooms 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 you have a brand new driver’s license in your purse, then the next stage is the immediate execution of a loan agreement, and taking possession of a brand new dream car. At the same time, expect that the dream may cost no more than 1.45 million rubles. For a debut behind the wheel, that’s a lot of money.

Advice!

The period for which the loan agreement can be drawn up should not exceed 36 months, during which time the entire amount will have to be paid. Before applying for a loan, carefully calculate your financial opportunities, because, despite the fact that the loan is preferential, this does not apply to the terms of mandatory payments.

A big advantage of the 2017 “First Car” state program is the ability not to pay a down payment.

Chinese auto 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 please the buyer, because it is only 11.3% per annum, and even then this is the maximum value.

If you wish, you can go through financial institutions, and in any case, get a more advantageous offer, because they are interested in attracting clients, and by competing with each other, they lower the value of the loan rate.

But that's not all. If you take out a loan and pay the down payment, you will receive a 10% discount. Of course, the most profitable purchase option will be if you make the maximum possible down payment.

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

List of cars that are provided under the “First Car” state program

Skeptics will immediately think that under the terms of the program, their first car will not be the one they expected when they saved up for it. But here they were wrong; the list includes good cars of 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 under these conditions is a Lada. For the flagship of the domestic automobile industry, this is significant support; 2/3 of all Tolyatti cars are sold through discounts. There are also a lot of foreign brands that participate in government programs: from a third to a half of all cars.

Period of validity of the “First Car” program

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

But life always makes its own adjustments, everything will depend on the economic indicators of the entire industry, including the automobile industry. Most likely, it will be in effect until economic growth begins, in order to support the domestic manufacturer, because one of the conditions is that the car must be assembled in Russian factories.

Banks that issue preferential loans under the “First Car” program

The interest of banks in issuing preferential loans under the “First Car” program is quite high. Everyone fights for the client, you can choose from a large list of 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 check the list, since it is updated all the time. Each bank has its own conditions for obtaining a loan, so you need to carefully study them before choosing one or another financial institution; nuances are always possible.

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

It is more profitable to take out a preferential 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 where 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 what city in the country you live in, wherever banks participating in this program are located, it is possible to purchase a car .

State program “Family car” 2017. Program conditions. How to apply? What cars are available?

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

Warning!

In recent years, electric cars have begun to compete with traditional ones. It is interesting that the first car in history to reach a speed of 100 km/h was an electric car. The engines were located on the hubs rear wheels, this happened in 1899, quite recently by historical standards.

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

Steve Jobs agreed to buy a new Mercedes every six months. The fact is that during this period, according to the laws of the state of California, you can drive without license plates. The owners of the car dealership, after Jobs returned the car and bought a new one, sold the one that the head of Apple drove for much more. This is such mutually beneficial cooperation.

Details Category: Traffic rules Published 07/30/2017

Since July 2017, preferential car loan programs “Family Car” and “First Car” have been launched in Russia. The list of cars that can be purchased under the new government programs is in the portal material

New state support programs provide for reimbursement to citizens of the costs of payingdown payment of 10%the cost of the purchased car.They apply to car loan agreements concluded after July 1, 2017.

Conditions for participation in the "First Car" and "Family Car" programs

• Russian citizenship
• Having a driver's license
• No other prisoners in 2017 loan agreements for the purchase of a car (confirmed by a credit report provided by a credit history bureau)
• The obligation not to enter into other loan agreements for the purchase of a car in 2017 (confirmed by written statements from borrowers submitted to the credit institution)
• To participate in the Family Car program, the borrower must have two or more minor children
• Only borrowers who have not previously owned a car can participate in the First Car program

According to these programs it is possible to purchase car Russian assembly cost up to 1450 thousand rubles. The number of cars is limited, so if there is a lot of buyer activity, the programs may end before the end of 2017.

What cars can already be purchased under the programs? "Family Car" and "First Car"?

List of cars under the "Family Car" and "First Car" programs

Ford

Ford Sollers has launched its own program to support families with children, an additional benefit when purchasing a car on credit will amount to 20,000 rubles, taking into account all current offers, the total savings reaches 260,000 rubles.

The program started on July 13. It is designed for buyers with at least two minor children. According to the terms of the program, the cost of the car should not exceed 1,450,000 rubles, and the purchase must be made on credit Ford program Credit.

Offer valid for 5 Ford models Russian production:

• Ford Fiesta
• Ford Focus
• Ford EcoSport
• Ford Kuga
• Ford Mondeo

Those wishing to purchase a Ford under the Family Ford car"They will be required to provide birth certificates for their children.

These same models can be purchased under the First Car program.

It is the Ford car ( Kuga crossover) became the first sold in Russia under the new state support program.

"AVTOVAZ"

Of course, AVTOVAZ products are traditionally in great demand:All of the company’s models are included in the new state programs of preferential car loans.

One of the most popular cars among novice drivers and the most affordable Lada is the Granta sedan in the “Standard” configuration. With a starting price of 389,900 rubles, the car will cost participants in the “First Car” state program 351,000 rubles (the benefit is 38,990 rubles).

For members of the Family Car program optimal choice may become the most roomy Lada- Vesta sedan and Largus station wagon. The price of the starting version of Largus under the "First Car" and "Family Car" programs is 476,910 rubles (benefit - 52,990 rubles). The basic equipment of the Lada Vesta (Classic, 549,900 rubles) is available to participants of state programs at a price of 491,310 rubles (benefit - 54,590 rubles).

"GM-AVTOVAZ"

At buying a Chevrolet Niva under the “First Car” or “Family Car” programs, taking into account available discounts on other car loan programs offered jointly with VTB-24 Bank, the cost of the basic configuration will be only 502 thousand 200 rubles. The total savings on purchase reaches 85 thousand 800 rubles.

"UAZ"

The Ulyanovsk Automobile Plant also joined the implementation of new government programs.For individuals As part of the support for preferential car loans, the “First Car” and “Family Car” programs are offered, under which you can purchase any car from the UAZ model line. Under the terms of these programs, customers can count on a 10% discount on the selected model. The discount provides compensation for part of the down payment. The maximum benefit under the programs reaches 104,000 rubles.

Volkswagen

From the end of July Volkswagen cars became available under the “First Car” and “Family Car” car loan programs.Car loan programs apply to cars worth up to 1 million 450 thousand rubles produced in Russia in 2016 and 2017. The advance under the programs ranges from 25%, 10% of which the bank directly transfers dealership as a discount on the client's down payment.IN Russian line Two models qualify for the program: Polo and Jetta sedans.

Skoda

From July 24, Skoda cars are available under the government preferential car loan programs “First Car” and “Family Car”.Programs combine with others current shares brand, reports the press service of Skoda Auto Russia. The rate on a consumer loan provided by Volkswagen Bank Rus for a period of 12 to 36 months will range from 8.7%. The promotion includes cars worth up to 1 million 450 thousand rubles and manufactured in Russia. IN Skoda line Octavia, Yeti and Rapid models meet the program conditions.

Hyundai

The Hyundai Motor CIS company, together with Hyundai Finance partner banks Cetelem Bank and Rusfinance Bank, announced participation in new programs for the purchase of a car, taking into account the state program of preferential car loans - “First Car” and “Family Car”.According to these programs, buyers are provided with a subsidy for making a down payment in the amount of 10% of the cost of the car for the purchase of new cars on credit Hyundai Solaris and Creta. The client needs to make the minimum possible down payment provided for by the terms of the loan program, and the state will add another 10% of the cost of the car, thereby reducing the loan amount.

Kia

The program includes 4 Kia ​​models:

• Previous generation Rio
• new Rio
• Cerato
• Sorento

Both programs provide a loan rate reduced by 6.7% and the possibility of a zero down payment. Kia Finance partner banks within these programs offer a minimum rate of 6.0%.

Renault

Participants of new programs can purchase with additional benefits following models companies:

• Logan
• Sandero
• Sandero Stepway
• Duster
• Kaptur

At the same time, proposals are combined with existing programs. For example, when purchasing Renault Logan Access 1.6 liter version with manual gearbox 5 worth 499,000 rubles on credit, the discount on Renault Credit will be up to 62,000 rubles, and for the top version Luxe Privilege– 93,000 rubles. Discount amount when purchasing Renault Sandero Stepway up to 98,000 rubles, Renault Duster – 128,000 rubles and 148,000 rubles - for Renault crossover Kaptur.

Nissan

Since the price of a car under state programs is limited to 1,450,000 rubles, some of the configurations of the following models fall under its scope:

• Nissan Almera
• Nissan Terrano
• Nissan Sentra
• Nissan Qashqai
• Nissan X-Trail

In addition to these programs, subsidized interest rates also continue to apply to cars: Nissan Sentra - from 0% for 3 years, Nissan Almera and Terrano - from 5% for 3 years, Nissan Qashqai, X-Trail - from 8% for 3 year as part of Nissan Finance's Prime Numbers program.

Datsun

Datsun, together with RN Bank JSC, has joined the new government car loan programs “First Car” and “Family Car”. At the time of buying Datsun cars on credit under these programs, customers have the opportunity to receive an additional benefit of 10% of the cost of the car in addition to the current terms of the Datsun Finance program. Thus, the proposal of the state program and the brand’s financial program will be combined, the Datsun press service reports.

For example, purchasing at credit Datsun on-DO version of Access 2017, costing 442 thousand rubles Datsun program Finance, its price will be 412 thousand rubles. Additional benefit under the Family Car program – 41 thousand 200 rubles. Thus, the final cost of the car will be 370 thousand 800 rubles. When purchasing a Datsun mi-DO version Trust-1 on credit with manual transmission gears produced in 2017 worth 515 thousand rubles, according to the Datsun Finance program, its price will be 475 thousand rubles. The total cost under the “First Car” program (with additional benefits - 47 thousand 500 rubles) will be 427 thousand 500 rubles.

Mitsubishi

JSC MS Bank Rus has started issuing car loans for Mitsubishi Outlander under the state programs “Family Car” and “First Car”. The program discount is combined with the trade-in benefit provided by MMS Rus, as well as a special credit offer of 0% for 3 years from JSC MS Bank Rus. The total benefit for the client under all programs can be up to 400 thousand rubles.

Toyota

Toyota Motor Company joined government programs preferential lending"First car" and "Family car". The programs apply to the two most popular models of the Japanese brand, permanent leaders in their segments: Toyota crossover RAV4 and Toyota business sedan Camry.

Thanks to special prices and/or a trade-in discount, the client has several options to choose from Camry configurations and RAV4, which are covered by state programs. For loans under Toyota Bank programs, they offer a special reduced rate of 9.2%, and the down payment can vary from 20% to 70%.

Cars from the Derways plant

Some cars of Chinese brands are produced in Russian plant"Derways", so they can also become participants in new programs. These are the cars:

• Brilliance H230, H530, V5;
• Chery Tiggo 5, Tiggo FL;
• Geely Emgrand 7, Emgrand GT, Emgrand X7;
• Lifan Smily, Solano, X50, X60.

• The “First Car” and “Family Car” programs will start on July 1, 2017
• Since July 1, new programs to support the automotive industry have launched in Russia
• The government approved the terms of the First Car and Family Car programs
• Lada cars are available under the "First Car" and "Family Car" programs
• The first car under the Family Car program was sold in Russia
• Hyundai Solaris and Creta are available under new government support programs