Today, there are various federal programs across the country aimed at improving credit conditions for purchasing cars.

Preferential car loan programs began operating in Russia in 2009. However, in 2013, the programs covering the purchase of vehicles on preferential terms were terminated due to the unstable economic situation in the country.

Programs " Family car" or "First Car" resumed in July 2017.

At the beginning of 2017, the First Car and Family Car programs were renewed under the following conditions:

1. A person wishing to purchase a car had to make a down payment equal to 20% of its cost;
2. The maximum subsidized amount provided under a preferential loan could not be more than 750,000 rubles;
3. A car purchased under the terms of the program could not weigh more than 3.5 tons;
4. Lending was carried out in rubles;
5. The age of a car purchased on a government-subsidized loan had to be no more than a year;
6. The maximum loan period is no more than 3 years.

Separate requirements were established for borrowers - the minimum age of a person had to be at least 21 years. The maximum age at the time of making the last payment is no more than 55 years.

At the end of the year, the following statistics were generated, prepared by the Ministry of Industry and Trade: during the year, thanks to the federal program, 324,000 cars were purchased.

It should be noted that this indicator exceeded the predicted result by 20%.

The National Bureau of Credit History (NBKI) has prepared its reports, according to which the number of loans issued for the purchase of vehicles in 2016. increased by 44%.

Based on data provided by AVTOVAZ, the number of cars sold under preferential programs amounted to 50% of the number of cars produced.

KIA provided data according to which, thanks to preferential programs in 2016, sales of their cars increased by 25%. Hyundai realized thanks to preferential conditions about 28,500 cars.

Preferential car loan programs in 2018

In 2018, the following programs will continue to operate in the Russian Federation to facilitate the preferential purchase of vehicles:

1. A program for recycling old cars and receiving a discount on the purchase of new vehicles;
2. A program for preferential lending to borrowers who are doctors, teachers, and government employees;
3. Program to provide cars and trucks Russian production farmers and individuals with the status of individual entrepreneurs.

In 2017, two new preferential programs were launched aimed at purchasing cars on preferential terms from banking organizations:

1. First Car Program;
2. Family Car Program.

The First Car program applies to individuals who purchase a vehicle for the first time.

Conditions for purchasing transport in accordance with the specified program:

1. The vehicle must be manufactured in the country. You can purchase on preferential terms and foreign stamp the car, however, is assembled, it must only be in the territory of the Russian Federation;
2. The car must not be older than 2016;
3. The maximum cost of the purchased car cannot be more than 1,450,000 rubles;
4. The maximum loan term cannot exceed 3 years.

The following requirements are also imposed on the person:

• Availability of Russian citizenship;
• Possession of a driver's license;
• Lack of ownership of the vehicle.

Program participants have the opportunity to take out a loan at a lower interest rate (about 8–11% per annum).

10% of the cost of purchased transport is paid by federal in cash. The program participant may not make the down payment on the loan.

One more new program preferential car lending is the provision of loans for the purchase vehicle families who are recognized as in the prescribed manner with many children.

Family Car 2018 program, conditions

The federal preferential program “Family Car 2018” began on July 17 of this year.

In order for the family to participate in state program, she must first of all be recognized as having many children. The procedure for obtaining the appropriate status is provided for by legislative documents of representative bodies (dumas, assemblies, parliaments) of the relevant regions. The status is confirmed by a certificate large family.

The borrower must meet the following requirements:

• Availability of Russian citizenship;
• Availability of a document confirming the right to drive a vehicle;
• The presence of two or more children who have not reached the age of 18;
• Lack of a vehicle purchased in 2018.

note: If at least one of the children in the family is 18 years old, then the family loses the right to participate in this program.

An exception is when a child enrolls in a full-time department of a higher professional institution, and when the child undergoes military service in the army.

A family can purchase a car manufactured in 2017 or 2018.

The maximum cost of such a vehicle should not exceed 1.45 million rubles.

The usual lending percentage ranges from 8 to 11 per annum, depending on the credit institution that will issue a family car loan under the program.

The state covers 10% of the cost of the purchased car.

Please note that a family that has the status of a large family and has not previously purchased a vehicle can participate in only one preferential government program.

Family Car Program: what cars can be purchased

Decree of the Government of the Russian Federation No. 364 of 04/16/2015, the basic requirements for purchased cars are established based on the conditions of state subsidies.

The cost of this car should not exceed 1,450,000 rubles in 2018.

The total weight of the vehicle should not exceed 3.5 tons.

Important: prerequisite participation in preferential programs - choosing a car that is manufactured in the Russian Federation.

Today, the country collects following cars, which are available on a preferential loan:

AvtoVAZ assembles following models auto:

• Lada (Granta, Priora, Kalina, X-Ray, Largus, 4x4);
• Renault-Nissan cars: Almera, Setra, Tiida, Logan, Sandero, Datsun mi-DO, on-DO.

In Moscow they carry out Renault assembly Duster.

Sollers assembles cars:

• UAZ Patriot, Pickup, Hunter in Ulyanovsk;
• Ford Focus, Mondeo, Explorer, Kuga in St. Petersburg and Tatarstan.

In Kaluga and Nizhny Novgorod assembled by Volkswagen and Skoda:

• Tuguan, Tuareg, Polo, Caddy;
• Octavia, Rapid, Yeti.

In St. Petersburg they produce: Hyundai, Kia, Nissan, Toyota.

In Taganrog, TaGAZ produces its own line of cars.

In Cherkessk, Derways produces Chinese cars.

The Avtotor plant continues to operate in Kaliningrad.

I would like to note that based on the data provided by car dealer companies, despite the presence large selection not only cars Russian stamps, but also foreign cars, the leading place is still occupied by Lada (140 thousand cars). The most common model is LADA Granta, as well as Vesta. Kia and Hyundai finished second and third overall.

In the first half of 2017, the leader among foreign cars was Kia Rio(46 thousand), beating even Grant (but not all of AvtoVAZ). The third place holder Lada Vesta a significant increase - 35 thousand cars were sold. Next, Renault closely follows the leaders.

This increased demand for specified cars quite explainable. They are quite comfortable, each of these models can be comparable to a foreign car, however, Maintenance much cheaper.

Among family cars, the leading position is occupied by Lada Largus. The choice of this machine is justified by the following factors:

• Enough a budget option(which is important for the family);
• Large capacity;
• Manual Transmission;
• Possibility of transporting large loads;
• HP volume 1.6.

Second place Hyundai Solaris. Fairly low cost low consumption fuel. The engine displacement is 1.4, acceleration to 100 km/h occurs in 12 seconds.

The procedure for processing documents under the “Family Car” program

In order for a family to become a participant in the program, it must prepare information about whether it has many children.

To obtain this status, you should contact the social security authority at your place of residence.

The following documents should be submitted to the structure:

1. Completed application;
2. Passport of one of the parents;
3. Documents confirming the birth of three or more children in a family, as well as decisions of judicial authorities on adoption;
4. Certificate from the registration authority, Form 8, about the place of residence of children and parents;
5. A document confirming that a certificate confirming the fact of a large family was not previously issued to the second parent.

Important: Documents are reviewed no more than one month after submitting all information. After the expiration of the specified period, a certificate is issued.

The received certificate must be presented to the credit institution.

In addition to the certificate, the borrower must provide:

1. A certificate confirming the right to drive a car. Please note that if the borrower does not have such a document, he can receive it before the end of the year to participate in the program;
2. Passport;
3. Documents confirming work experience;
4. Information about family income level.
5. Car loan under the Family Car program, review of banks

Name of the bank	Maturity	Down payment amount	Car requirements	Maximum loan amount (RUB)	Bet size
VTB 24	3 years	0 %	New car of current and last year	1 450 000	5 %
RusFinanceBank	3 years	20 %	Cars of current and last year	1 450 000	11,5%
UniCredit	3 years	10 %	Car of current and last year partners	1 450 000	11 %

Today, preferential car insurance is provided by the following banks on the following conditions:

To obtain a loan from VTB 24 Bank, the interested person will need to submit the following documents:

1. A completed application form (the application form can be filled out on the bank’s official website or car showroom, with which the banking organization cooperates under a preferential program);
2. A document that confirms income for the 6 months preceding the application. As a rule, applicants submit Form 2 of personal income tax. It is acceptable to submit information on a certificate approved by the bank or a bank account statement.

Additionally, the applicant must submit:

1. A certificate confirming the right to drive a vehicle;
2. Education documents.

To receive credit funds in Rusfinancebank should be submitted:

1. Identity document;
2. Driver's license.

In the event that the interested party cannot provide identification, the potential borrower may submit:

• SNILS;
• Identification number assigned by the tax service;
• International passport.

UniCredit Bank provides a loan upon provision of the following information:

• Completed application according to the bank form;
• Copies of identification documents. With the participation of the guarantor, the documents are presented to them.

The state periodically introduces new programs to help the population of certain categories and strata. One of these was the “Family Car” program on June 02, 2019, the conditions of which allow families with 2 or more children to receive a car with a 10% discount. The state program provides a list of cars of the most popular brands - both budget and mid-size, and also has certain conditions of participation for families, which we will discuss below.

About the state program "Family car"

The state program "Family car" came into effect on July 1, 2017, together with the related state program - "First car". They both provide nearly identical capabilities with significantly different capabilities. Meanwhile, most often you can decide for yourself which program you qualify for and choose the one that is more interesting for you.

The state program "Family Car" for 2019 provides the opportunity to purchase a car at a discount for families (more precisely, their members) with minor children for up to 3 years on favorable terms.

What are the conditions for purchasing a car under the program?

Overall, the terms and conditions of the Family Car program are not very strict and can be met by many families. Here is a comprehensive list of them:

1. a car under the “Family Car” program can only be purchased on credit,
2. the family must have 2 or more children under 18 years of age,
3. the family member for whom the car loan is issued must have driver's license,
4. The term of the car loan should not exceed 3 years, and interest rate should not exceed 18% per annum,
5. the borrower must not buy a car in the year in which the loan is issued,
6. The down payment on a car loan must be at least 20%.

In addition to the above, the buyer, of course, must satisfy the bank’s conditions: have Russian citizenship, have a stable income, be suitable in age and other parameters that depend on the specific bank.

There are also separate conditions for the chosen car, which must fall under the preferential car loan program.

What are the benefits of a "Family Car"?

As we noted above, benefit program"Family Car" 2019 provides a subsidy for the purchase of a car for your family in the amount of 10% of its cost, excluding interest on the loan. The discount can be repaid by the state both towards the down payment and when calculating the car loan payment amounts.

It should be remembered, however, that you cannot participate in several government programs at once when purchasing the same car - in this case, the discounts simply will not be cumulative. You also cannot hand in your old car under the trade-in program to purchase a new car.

But there is also good news. The Family Car program does not exclude the possibility of using maternity capital to purchase a new car. At the same time, the maternity capital program itself provides for the possibility of purchasing a new car using these funds.

How to apply for a loan with state support in 2019?

Buying a car through this program is easy. This is a standard procedure for purchasing a credit car with the small nuance that you will first need to select a car and a car dealership that fall under the program, and then wait a short time for the subsidy to be approved.

We have listed the conditions for buying a car under the Family Car state program above. All that remains is to collect all the documents, submit them for approval to the selected bank and receive approval.

By the way, be careful when searching for a suitable car dealership and bank - not all of them participate in the state program.

What cars are eligible for the program?

"Family Car" Works for Almost Everyone domestic cars, which includes the currently famous Lada Vesta, as well as for a number of foreign cars assembled (or produced) in Russia. This means that you can buy a car with a very wide choice.

In particular, here is a list of cars that fall under the Family Car program:

• Nissan Almera, Qashqai, Sentra,
• Datsun all models,
• Ford Focus,
• Citroen C4,
• Hyundai Solaris, Creta, i40, Elantra,
• Kia Rio, Sid, Picanto, Cerato, Soul, Sportage,
• Mazda 3, 6, CX-5,
• Mitsubishi Outlander,
• Renault Logan, Sandero, Duster, Captur,
• Skoda Rapid, Octavia, Yeti,
• Toyota Camry,
• Volkswagen Polo, Jetta.

Also, many models of the Chinese automobile industry fall under the program.

The main condition for cars included in the “Family Car” state program is that they must be new, not used, the weight of the car must be no more than 3.5 tons, the year of production of the car must be no earlier than 2016, and the cost of the car must not be more than 1,450,000 rubles.

Nuances of the program

Despite all the advantages and completeness of the information that we outlined above, there are still a small number of undisclosed nuances left in the preferential state program “Family Car”.

• Despite the fact that the opportunity to purchase cars on credit under the program is provided for a family, nothing prohibits taking two cars: one for the husband, the second for the wife, provided, of course, that both of them have driver’s licenses.
• You will have to pay personal income tax on the discount received, because, according to the Tax Code, the subsidy provided by the state is the income of citizens.
• The opportunity to buy a car on credit under the state program is provided by many banks, among which there are famous ones (their list is constantly changing, so it is better to check with the car dealership or by choosing the conditions you like in a specific bank regarding the fact of its participation in the state program). However, Sberbank does not participate in this program.
• A car to participate in the "Family Car" program must be purchased only at the dealership official dealers of the brand you have chosen, and the car loan must be issued only in rubles.
• The buyer can only be individual, not an organization.

Purchasing cars at the MAS Motors showroom is very profitable, because we work not only with new cars, but also with used cars, we provide everything Required documents for the "Trade-In" program, purchasing cars in installments and on credit. Government subsidy programs (government compensation for part of the interest on loans) deserve special attention. The latter include new projects of the Ministry of Industry and Trade:

1. "First Car"
2. "Family Car"

ABOUT latest program below.

Since July 2017, the state has allocated 7.5 billion rubles. for the implementation of all state programs for subsidizing the purchase of cars manufactured in Russia.

Terms and conditions of the Family Car program

All government subsidy programs are based on Government Resolution No. 364 of April 16, 2015. It changes and is supplemented every year. This happened in 2017. The next amendments were made by Resolution No. 808 on July 7, 2017. According to the latter, additional benefits appear for certain categories of the population, namely for families with at least two children and for those who are buying a car for the first time in their lives.

Loans are provided by banks for standard conditions, but part of the interest on the loan is paid by the state itself, provided that the bank complies mandatory requirements program (has no shares in the authorized capital foreign companies, is connected to a unified credit history system, has no debts, other subsidies, etc.).

The subsidy amount under the Family Car program is 10% of the cost of the car.

Requirements for the car

1. In 2017, the subsidy program received an updated limit on the cost of the car. It cannot exceed 1 million rubles.
2. The car must be produced in Russia (not only AvtoVAZ products fall under these requirements, but also foreign manufacturers whose factories operate in the Russian Federation, providing virtually full cycle auto production).
3. The year of manufacture of the product cannot be lower than 2016 (as required by the current amendments to the 2017 regulation).
4. The car can only be new (that is, it was not owned by private individuals and was not registered before the current transaction).
5. Full mass technical means should not exceed 3.5 tons.

Recipient requirements

1. There are no fixed requirements for the age or income of citizens (that is, any citizen who has reached the age of majority can apply for a subsidy, but the bank can impose its own requirements on borrowers).
2. The main requirement of the Family Car program is the presence of two or more minor children.
3. The buyer is a citizen of the Russian Federation.
4. The borrower must have a driver's license.
5. After receiving the subsidy, the buyer undertakes not to purchase other cars on credit for a year.

Other parameters and restrictions of car loans under the Family Car program

1. When purchasing a car on credit with a subsidy, the borrower must make at least 20% of the cost of the car as a down payment.
2. The maximum loan repayment period cannot exceed 36 months.
3. The maximum loan rate, which is taken into account in calculating the one-time compensation, cannot exceed 18% (that is, the bank can set a percentage higher, but the subsidy will be calculated only from 18%).
4. The loan discount compensated by the subsidy cannot be more than 6.7% (previously the limit was calculated as 2/3 of the key rate of the Central Bank of the Russian Federation).

Benefits received under the program

• If the recipient and the bank meet the conditions of the program, then the state will compensate 10% of full price car (up to 145 thousand, according to the conditions stated above).

How to get

In order to take advantage of this “Family Car” program, you need to visit the MAS Motors office and contact a loan specialist. We will select the most advantageous offer among several dozen partner credit institutions. You can start from the office of your favorite bank, we, in turn, will provide all the necessary documents.