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. The duration of both programs is 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, which have been experiencing financial difficulties for a long time due to falling demand for new vehicles amid a reduction 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 launched by the Government credit program"Family car" has nothing to do with the second child (for a long time, the possibility of using maternity capital for the purchase of a car, including in 2017).

However, all of these categories families with two or more children under 18 can take part in 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 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).

It is noteworthy that the programs operate in conjunction with the previously introduced state subsidies for car loans, which additionally provides for decline interest rate 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 must not enter into any other credit agreements for the purchase of a car (including until the moment of contact). 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).

List of banks participating in the "Family Car" programs and "The first car"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).

1. Cetelem Bank LLC (owned by Sberbank and specializes in car and consumer lending);
2. PJSC VTB24;
3. Volkswagen Bank RUS LLC;
4. JSC MC Bank RUS;
5. PJSC Bank Uralsib;
6. PJSC NKB Radiotechbank;
7. JSC TatSotsBank;
8. PJSC Sovcombank;
9. PJSC Sarovbusinessbank;
10. PJSC JSCB Energobank;
11. RN Bank JSC;
12. LLC PSA BANK Finance Rus;
13. Rusfinance Bank LLC;
14. PJSC Plus Bank;
15. JSC Gazbank.

In most of the indicated participating banks, it is possible to obtain 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 produce new passenger 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 Korean stamps Hyundai and KIA, etc.)

More detailed information for specific car models 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.

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 driving 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.

The new state program "First Car" is designed to stimulate sales of cars produced in Russia. Both programs came into force on July 1, 2017 and represent an improved version of concessional car loans, operating in Russia for the third year in a row. “The first car” is a new state program of 2017, how it differs from the standard car loan with state subsidies, how to participate in it.

"The first car" - the new state program of 2017

Let us briefly recall the conditions of the concessional car loan program in Russia in 2017. The main point of the program is that the state budget subsidizes part of the interest on car loans for those who purchase a new russian car that meets some requirements. As a result, for the end buyer, the interest on the loan becomes equal to no more than 11.3%, in reality it may turn out to be even lower, up to 8% per annum.

The terms of a preferential car loan cover any vehicles of category “B” vehicles produced in Russia, which were produced in 2016-2017. and cost no more than 1.45 million rubles.

The list of cars that fall under preferential car loan, horrible majority Hyundai models, Kia, Renault, Skoda, Lada and UAZ, as well Nissan x-trail, Mazda CX-5, Volkswagen tiguan and Ford Kuga in minimum trim levels.

A preferential car loan can be taken for a period of no more than three years.

As for the conditions of the state program "First Car", launched on July 1, 2017, these are the same benefits, plus several additional incentive options. Any Russian who has never owned own car, the state offers the following bonuses to preferential car loans:

• 10% discount on the cost of the car and its insurance... For the most expensive car, subject to a preferential car loan worth 1.45 million rubles, the discount will be 145 thousand rubles.
• Down payment is not required... It will be considered the amount of the discount from the state. Although, of course, if you deposit some money from yourself right away, the overpayment on the loan will be less.

In order to obtain a loan under the state program "First Car", it will be necessary to provide the following documents to the specialists of the banking institution:

1. Driver's license- a preferential car loan under the program will be given only to those who have a driver's license.
2. The passport- on the basis of your data, the bank will check through various sources, including credit bureaus, that you have not previously owned a car.
3. You will also be asked to sign commitment not to use preferential loans for this and other similar programs during the year.

Thus, "The First Car" is a state program that is beneficial both to automakers, whose sales volumes will surely increase in 2017, and to buyers who get an excellent opportunity to buy a new, not used car on good terms. This is all the more good because, unlike a used car, the cost of ownership is new car significantly lower, since before natural wear and tear spare parts and the exhaustion of their resource is still far away.

The Government of the Russian Federation has developed measures aimed at stimulating the sales of vehicles (TS). The First Car support program was designed for people who did not previously own personal car... In its conditions there is a strict rule about the absence of registration of the car for the participant.

Help for the buyer comes from the federal budget. A car under the First Car program is 10% cheaper. However, the measures have a number of disadvantages. So, the participant is obliged to take a car loan, which increases his costs. We will analyze all the benefits of the state program, as well as target audience such.

Normative base

The state program of assistance for the purchase of the first car with July 1, 2017... The measures are regulated by the Decree of the Government of the Russian Federation No. 808 dated 07.07.17. The document describes the conditions and methods of work of counterparties participating in the implementation of this state program.

Download for viewing and printing:

The essence of the activities is as follows:

1. The government is committed to providing assistance to citizens who meet certain criteria.
2. Funding is allocated to banks, which commit to lending to buyers.
3. Transport manufacturers provide production results and shopping centers for banks to work with clients.
4. The deal is guaranteed by the state through regional authorities and financiers.

Important: state aid funds are not handed out and are not transferred to the recipient's account. They are sent to the lender helping to purchase the first car. Important: from 01.01.2018 to regulatory framework there have been changes. Thus, the marginal cost of a vehicle was increased to one and a half million rubles. And the amount of support is not included in the tax base.

On the goals of the state program

The efforts of the Government of the Russian Federation are aimed at a comprehensive impact on the market in order to stimulate its activity. Officials try to use financial assets in such a way as to spur several economic segments at the same time. State programs to support car buyers (there are several of them) are designed in such a way as to stimulate:

• the population to use financial resources and improve their lives;
• banking institutions;
• domestic producers vehicles;
• enterprises providing training in driving skills.

Thus, budget money affects the economy as a whole. People take out loans, banks and businesses make a profit. In addition, there is another important goal. It consists of renovation of the vehicle fleet and reduction of emergency risks on the roads... The government calculated that a small grant from the budget would help thousands of people buy their first car. And having experienced the pleasure and comfort of using it, citizens will continue to allocate funds for transport.

Conditions for participation in the state program

Multidirectional events contain criteria for all participants. These are assumed to be the target areas of their development. So, to motor vehicles(TS) the following requirements are imposed:

• production must be localized on the territory of Russia by at least 50%;
• the car must be released one year before the sale and purchase transaction.

Attention: state support cannot be used to purchase a used vehicle. The car must be new.

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Who can use the privilege

Participants are also subject to stringent requirements. State aid according to the laws of the country is allocated exclusively to citizens of Russia. Foreigners will not be able to use budget funds, even if they are residents of the Russian Federation. In addition, the developers of the Resolution introduced the following criteria for participation in the state program in relation to applicants:

• availability of a driver's license;
• no other car loan in the year of circulation.

The applicant's driver's license guarantees that the loan will not be issued to a minor. Such rights are not granted. And the requirement that there is no other loan guarantees that the loan will be repaid on time. In this way, the state and banks protect themselves from loss of funds.

Which banks to apply to

According to the rules for the implementation of the state program, the powers of state structures include reaching an agreement with financiers. Banks are included in the work after signing a contract with the structure, which is entrusted with the implementation of activities on the ground. In practice, this means the following:

1. It is necessary to inquire in the salons about proposals with state participation.
2. When applying for a car loan at a bank, also ask if the institution participates in the state program for the purchase of the first car.

The specific list of financial institutions with which the budget works depends on the region of residence. In addition, agreements are constantly changing. You need to ask about the offers that are in force at the time of contact, indicating the state program for the purchase of the first vehicle.

Hint: agreements are drawn up both with large banks with state participation (Sberbank, VTB-24) and with small regional institutions.

Algorithm of actions of an applicant for state aid

An applicant for budget funds must understand that such funds are allocated solely on the basis of normative documents... The decision on financing will be made by civil servants. And they act strictly according to the instructions:

1. The government decree lists regulatory requirements that are deciphered in internal acts.
2. The civil servant is obliged to fulfill each item. What does it mean to study the documentation for compliance with the requirements.
3. A positive decision is made if the applicant fully complies with the norms of the acts.

Attention: compliance with the requirements must be documented.

What documents will be required

The list of specific securities follows logically from the listed regulatory criteria. You will have to provide:

• a copy of the passport (proves the presence of Russian citizenship);
• a copy of the driver's license;
• certificate of absence of obligations for other loans for the current year;
• information from the traffic police that previously the transport for the applicant was not registered.

Attention: the above papers are needed only for registration of subsidies from the budget.

In addition, banking institutions require the submission of documents for a loan. Each structure has its own list. But a passport is required. They also often require confirmation of solvency in the form of income certificates. Some financial institutions are insured with the consent of the spouse to obtain a loan.

Hint: The bank will require a statement from the credit bureau. Naturally, it should contain only positive information.

What is government assistance

Government agencies undertake the following obligations:

• pay 10% of the cost of the vehicle as a down payment;
• influence the bank in order to lower the loan rate, the maximum is 11.3%(the condition is prescribed in the contract between the counterparties).

Hint: the loan is issued for a period not exceeding 36 months.

In practice, it happens as follows:

1. The applicant submits an application for the allocation of a subsidy, confirmed by documents (drawn up in a financial institution).
2. Civil servants carry out verification activities and make a decision that complies with the current legislation.
3. The citizen is notified in writing or by telephone.
4. If a positive decision is made, the money is transferred to the creditor's account.

Attention: they can refuse if the applicant does not comply with regulatory requirements or provide inaccurate information.

What kind of car can you buy

There are also certain requirements for the vehicle. They are as follows:

• cost (including insurance) - no more than 1.5 million rubles. (in 2017 it was limited to 1.45 million rubles);
• weight should not exceed 3.5 tons;
• year of release - 2017 and 2018;
• assembly of Russian localization by at least 50%.

A lot of cars fit the described criteria. For example, applicants may be interested in such models:

• Lada;
• Nissan X-Trail;
• Ford Kuga;
• Mazda CX-5;
• Kia (some configurations: Rio, Cerato or Sorento);
• Chevrolet Niva;
• Skoda;
• Ford;
• Hyundai (Creta and Solaris);
• Nissan;
• Datsun;
• Renault;
• Toyota;
• Brilliance H230;
• Geely Emgrand 7 and others.

For information: The Government of the Russian Federation expects that most of the sales will come from domestic manufacturers (UAZ, Lada).

Instructions for the buyer of the first car

Let us summarize all that has been said in the form short instructions on using the advantages of the state program. The applicant will have to do the following:

1. Choose a model that meets the requirements of the Government and your own tastes.
2. Select by survey the banking institution with the most favorable conditions participating in the state program.
3. Collect the necessary documents.
4. Draw up a contract for car loans and apply for a government subsidy.
5. Wait for an answer.
6. Checkout the purchase.
7. Register vehicle in the traffic police.
8. Pay off the loan accurately.

Is it profitable or not

The events were in effect for half of 2017. During the period, according to the calculations of specialists from the government, 58 thousand people should have taken advantage of the offer. In practice, sold 48,000 vehicles with state participation. Citizens noted the following benefits of the state program:

• financing 10% of the cost, which reduces costs;
• a preferential lending rate also reduces a person's spending;
• banking institutions do not include additional "tricky" points in the lending agreement, since they are controlled by the authorities;
• it is easier to issue a subsidy than it seemed at the preliminary stage.

But there are also critics of such budget investments. So, some citizens are still unhappy with the fact that they are required to take a loan. It is clear that lending leads to overpayments. However, the subsidy can only be obtained after the loan has been issued.

Some financiers make exorbitant demands on clients. For example, the down payment can be up to 95% of the cost of a car. And this is not suitable for young people for whom the state program has been developed. The practice of implementing the measures revealed errors and roughness. They will be corrected in the field.

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Last changes

The program has been extended for 2019.

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Video on how the concessional car loan program will work in 2018

April 5, 2018, 17:34 Mar 3, 2019 13:36

Ministry of Industry and Trade, together with the government Russian Federation, as promised, they are beginning to streamline their developments in terms of future measures to support the Russian automotive industry in 2017. However, adjustments to the list of benefits and, apparently, the amount of government funding will occur "along the way", depending on current situation... Experts summarize: if the market begins to shrink by the end of the year, state support will be strengthened, and if there is no fall, then part of the finances will be directed to other industries.

This uncertainty is due to the fact that opinions about the possibilities of the car market in different expert assessments differ. However, there is no talk of a complete cancellation of state support. On the contrary, on this moment developed by 13 government programs, of which three "new" and one "old" will allow you to take advantage of the benefits when buying a new passenger car domestic production or collected on the territory of Russia. What exactly will the state offer us (perhaps some adjustments will still occur)?

State support programs for the purchase of a new car in 2017

Program " "

It is proposed to spend 6 billion rubles in government subsidies on those cars that will be purchased by novice drivers as their first car. The amount of the discount is proposed to be set at 60 thousand rubles, which will make it possible to sell 100 thousand new cars under the program Russian assembly... However, this program also has limitations: the driver must be no more than 30 years old, and the cost of the car must be no more than 800 thousand rubles. It is also proposed to reimburse the first installment under the auto insurance program.