Agree that purchasing a car has always been a holiday for most families in our country, and funds for it have been collected for several years. You can get a small discount provided by car dealerships only when paying full cost car, paying in cash. Unfortunately, large families (3 or more children) are not able to afford such a large purchase. It was for them that the program was created “ Family car“What is it, what are the conditions for obtaining a loan, let’s figure it out together.

State program "Family car"

Due to the market decline automotive industry The Russian government has developed a number of state programs aimed at stabilizing the situation. Among them:

In connection with the decline in the automotive industry market, the Russian government has developed a number of government programs.

• “Car for the village”, aimed at helping agricultural enterprises and farmers when purchasing agricultural equipment;
• "First car";
• "Your own 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 presented project, the state program “Family Car” plans to “kill two birds with one stone” - to secure orders from automobile industry enterprises and to enable large families to purchase a car on preferential terms; the state will pay 10% of the cost of the selected vehicle. The program covers: passenger cars, and commercial vehicles.
Please note that the cost of the car should not exceed 1 million 450 thousand rubles; in addition, the conditions of the family car program have a number of clarifications, which we will discuss below.

Which car can you choose?

A car for the whole family

It is worth noting that the cost of a car indicated in the terms of a car loan includes a fairly wide range of cars:

All cars offered under the program will have a minimum configuration.

• almost all AvtoVAZ models;
• foreign cars falling into the economy class category from manufacturers such as Skoda, Nissan, Renault, Volkswagen. The main condition for foreign representatives is that the cars must be produced on the territory of the Russian Federation.

Please note that all cars offered will have a minimum configuration.

Let's consider the conditions

So, the Family Car program 2017, the conditions for receiving a subsidy are as follows:

• the family must have the right to receive the status of “large family”;
• lack of a car;
• the loan rate in the selected banking institution should not exceed 18% per annum;
• year of manufacture of the car - 2016-2017. The purchase must be made exclusively through showrooms official representatives manufacturers;
• mandatory deposit and prepayment of 20% of the cost of the car;
• The loan is issued in national currency and does not provide for additional commissions or fees. However full terms and conditions Find out about applying for a car loan at a bank branch;
• the duration of the contract should not exceed 3 years;
• The weight of the vehicle should not exceed 3.5 tons.

Please note that under the terms of the program in 2017, it became possible to purchase a car at the expense of maternity capital. The main condition is two or more children.

We collect a package of documents

Change in car price under the Family Car program

To apply for a preferential car loan, you need a certificate confirming the status of “large family”.

Due to the finalization of the intricacies of the “Family Car” program within the framework of preferential car loans, the exact package of required papers is not yet known. However, one document will be needed for sure - a certificate confirming the status of “large family”.
Please note that issuing a certificate takes 30 working days, and for this you need to contact the regional (local) social security department or MFC. It was already issued a long time ago, then check if the validity period has expired. Since in some regions of our country the certificate must be constantly confirmed and renewed.

Bank conditions

Basic requirements of banks participating in the program:

• the borrower can only be an individual;
• have Russian citizenship and registration at the place where the loan was received;
• work experience of at least 1 year, with at least six months at the last place of employment;
• clean credit history;
• The borrower's age is at least 21 years old at the time of receiving the loan, but not more than 60 years old. At the time of full repayment of the loan, the age of the borrower must not exceed 65 years.

If the borrower is a woman, many banks set an additional condition: the absence of children under 6 months of age.

Registration procedure

Family car

Main stages of obtaining a loan:

To apply for a preferential car loan, you must collect the established package of documents.

• choose a car, taking into account all the details;
• We analyze bank offers and choose the best option for you;
• We collect documents and send them to the branch of the banking institution with the corresponding application;
• we sign the purchase and sale agreement and make a down payment;
• we register the car with the traffic police;
• We arrange collateral, insurance and sign a loan agreement.

We remind you once again that the list of conditions, the required package of documents and the stages of registration may vary depending on the banking institution. Check directly with bank employees!

"Family car" support program large families- a real opportunity to buy a car. Explore lending options and you will definitely find an acceptable option for yourself.