What is a family car state program. State program "Family car

To date, various federal programs are operating in the country aimed at improving credit conditions for purchasing cars.

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

The Family Car or First Car programs were relaunched in July 2017.

In early 2017, the First Car and Family Car programs were relaunched under the following conditions:

1. A person wishing to purchase a car had to make an initial payment equal to 20% of its value;
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 be more than 3.5 tons;
4. Lending was carried out in rubles;
5. The age of the car purchased on credit, subsidized by the state, should have been no more than a year;
6. The maximum loan term is not more than 3 years.

Separate requirements were established for borrowers - the minimum age of a person should be at least 21 years. The maximum age at the time of making the last payment is not more than 55 years.

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

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

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

Based on the 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 sold about 28,500 cars thanks to preferential terms.

Programs of preferential car loans in 2018

In 2018, the following programs will continue to operate on the territory of the Russian Federation, contributing to the preferential purchase of vehicles:

1. Program for the recycling of old cars and getting a discount on the purchase of new vehicles;
2. The program for the beneficiary of lending to borrowers who are doctors, teachers, employees of government agencies;
3. Program for the provision of cars and trucks Russian production farmers and individuals with the status of an individual entrepreneur.

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

1. The program "The first car";
2. Family car program.

The First Car program applies to individuals who purchase vehicle first.

Conditions for the purchase of vehicles in accordance with the specified program:

1. The vehicle must be produced in the country. You can buy on preferential terms and foreign brand the car, however, is assembled, it must be only on 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 person is also required to:

• The presence of citizenship of the Russian Federation;
• Possession of a driver's license;
• Lack of ownership of the car.

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

10% of the cost of purchased vehicles are paid in federal funds. The program participant may not make the first installment on the loan.

Another new program of preferential car lending is the provision of loans for the purchase of a vehicle to families that are recognized in the prescribed manner as large families.

Family Car Program 2018, conditions

The action of the federal preferential program "Family Car 2018" began on July 17 of this year.

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

The borrower must meet the following requirements:

• The presence of citizenship of the Russian Federation;
• The presence of a document confirming the right to drive a vehicle;
• Having two or more children under the age of 18;
• Lack of a vehicle purchased in 2018.

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

An exception is the admission of a child to a full-time department of a higher professional institution, and the passage of a child 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 percentage of loans is from 8 to 11 per annum, depending on the lending institution that will issue a loan under the family car 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 be a member of only one preferential state program.

Family Car Program: Which Cars Can You Buy?

Decree of the Government of the Russian Federation No. 364 dated April 16, 2015, established the basic requirements for purchased cars on the basis of the conditions of state subsidies.

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

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

Important: prerequisite participation in preferential programs - the choice of a car that is produced in the territory of the Russian Federation.

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

AvtoVAZ assembles the following car models:

• Lada (Granta, Priora, Kalina, X-Ray, Largus, 4×4);
• Cars of the Renault-Nissan concern: Almera, Setra, Tiida, Logan, Sandero, Datsun mi-DO, on-DO.

Assembly is carried out in Moscow Renault Duster.

Sollers assembles machines:

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

in Kaluga and Nizhny Novgorod collect Volkswagen and Skoda:

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

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

In the city of Taganrog, TaGAZ produces its own line of cars.

In Cherkessk, Derways produces Chinese cars.

In Kaliningrad, the Avtotor plant continues to operate.

I would like to note that based on the data provided by car dealer companies, despite the presence large selection cars not only 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 owner of the third line Lada Vesta a significant increase - 35 thousand cars were sold. Further, the leaders are closely followed by Renault.

This increased demand for specified vehicles 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 transportation of large cargoes;
• HP volume 1.6.

Second place goes to Hyundai Solaris. Fairly low cost small consumption fuel. The engine size 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 that it is a large family.

To obtain such a status, you must contact the social security authority at the 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 the family, as well as decisions judiciary about adoption;
4. Help from registration authority Form 8 on the place of residence of children and parents;
5. A document confirming that a certificate confirming the fact of a large family has not previously been issued to the second parent.

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

The resulting certificate must be submitted to the credit institution.

In addition to the certificate, the borrower must submit:

1. A certificate confirming the right to drive a car. Please note that in the case when 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 the work experience;
4. Family income information.
5. Car loan under the Family Car program, an overview 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 the current and last year	1 450 000	5 %
RusFinanceBank	3 years	20 %	Cars of the current and last year	1 450 000	11,5%
UniCredit	3 years	10 %	Car partners of the current and last year	1 450 000	11 %

Today, preferential auto insurance is carried out by the following banks on the following conditions:

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

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

Additionally, the applicant must submit:

1. A certificate confirming the right to drive a vehicle;
2. Documents about education.

To receive credit in Rusfinancebank should be submitted:

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

In the event that the interested person cannot provide a certificate, the potential borrower may submit:

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

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

• A completed application in the form of a bank;
• Copies of identity documents. With the participation of the guarantor, the documents are submitted to them.

The work of the Government of the Russian Federation to stimulate the economic activity of citizens is a complex and multifaceted process. An example of it is the state support program "Family Car". The essence of the event is to assist citizens raising two or more children in acquiring motor vehicle for family use. But this is only the "first plan". The impact of the program on the domestic market is much deeper.

Let's consider how to take advantage of the preference, for whom it is being implemented, what gives people and the country as a whole.

Legal basis

The conditions of the Family Car program have changed several times. The developers strive to cover as many citizens of the Russian Federation as possible with events.

Measures to help families purchase a car were approved by Decree of the Government of the Russian Federation No. 808 dated 07/07/17. The effect of the normative act was extended for 2018, which shows the effectiveness of investing funds from the treasury. However, major changes have been made to the decree that expand the opportunities for program participants.

Download for viewing and printing:

It is allowed to take advantage of the state program several times, subject to the applicant's compliance with the requirements.

Attention: from 2018, income tax is not charged from the state subsidy for the purchase of a car.

Why are events designed?

The essence of the program is to provide financial support to buyers of domestic auto industry products. The developer's logic is as follows:

• families raising two or more minors cannot always allocate money to buy a car;
• parents need a car to organize a normal life for children;
• a small amount of assistance from the treasury removes part of the financial burden from the parents, therefore, they will try to invest in the necessary transport;
• stimulated in this way:
  • activities of parents to improve the lives of children;
  • the activity of financial institutions issuing car loans;
  • production of the domestic automobile industry.

For information: one, in fact, financial injection from the budget affects several economic sectors at once.

Do you need on the subject? and our lawyers will contact you shortly.

Basic conditions

The state supports families in which minors are brought up. Moreover, parents must have Russian citizenship. According to the program, there must be two or more children. The following offspring are taken into account:

• native;
• adopted;
• wards.

A mother or father who falls under the following criteria can declare their desire to become a member of the state program:

• those who are officially married;
• having a driver's license;
• raising two or more offspring:
  • minors;
  • up to 23 years of age, full-time students;
• issued a loan in a financial institution working with the budget.

Assistance is provided under the following conditions:

• the purchased vehicles were manufactured in the territory of the Russian Federation;
• its cost does not exceed 1.45 million rubles;
• weight is limited to 3.5 tons;
• age - no more than a year.

Important: the budget covers 10% of the cost of the car. The calculation includes only the "body" of the loan. Interest does not apply.

For example, if a family wants to buy a car for 1.0 million rubles, then they will receive 100,000.0 rubles from the budget. And for the remaining 900,000.0 r. will have to take out a loan. On the main debt, of course, interest and insurance payments will be accrued. Buyers will have to cover them themselves.

Which vehicles are eligible for the state program

The regulations specify a limit on the cost of the car. It should be borne in mind that the price is formed taking into account the payment of insurance. In 2018, the list of vehicles has been expanded. It included some inexpensive SUVs, since not everyone is satisfied with low-budget cars.

Thus, under the criteria of the state program fall following models:

• Polo and Jetta, manufactured by Volkswagen;
• SUV from Hyundai Tucson, as well as more small models firms: Solaris and Elantra;
• most Ford and Kio models;
• domestically assembled cars from Lada, UAZ and Renault-Nissan;
• Octavia and Rapid, assembled at Skoda factories.

Hint: applicants for state aid need to be interested in the salons about the conditions for the sale of certain models.

Features of the implementation of activities

To understand how to use the privilege, it is necessary to understand the methodology for implementing the Decree of the Government of the Russian Federation. The developers have come up with a mechanism that can interest not only buyers, but also manufacturers. Its essence is as follows:

1. The contract with the state for participation in the program is concluded:
   • enterprises carrying out assembly within the Russian Federation;
   • sales firms.
2. The former implement the contract through their own car dealerships, the latter also carry out work to provide citizens with privileges.

In practice, the work is carried out as follows:

1. The buyer declares the desire to receive preference in the showroom.
2. The seller informs the person about the currently available preferential offers.
3. If citizens fall under the terms of the "Family Car" events, they are invited to write an application.
4. The appeal must be documented.
5. Car dealership employees send a package of documents to the government agency with which the company has signed an agreement.
6. Civil servants check the compliance of the applicant's data with regulatory requirements.
7. The answer is sent to the person within a month: by letter or SMS.

Hint: you can only get state aid if you have a car loan. That is, money from the treasury goes to a banking institution.

What documents are required

An applicant for a preference must confirm full compliance with the regulatory requirements (listed above). This will require the following documents:

• passport of a citizen of the Russian Federation;
• certificates of minor offspring about the birth (at least two);
• adoption court decision;
• the decision of the guardianship authority to place the child in the family;
• marriage certificate or a document confirming the absence of a spouse.

In some situations, more information will be required. For example, a single mother is obliged to confirm the status with a certificate from the registry office stating that the father is entered from her words (for each offspring). If children from different marriages are brought up in the family, then you will have to confirm the change of the mother's surname with evidence of a break in the previous bonds. For a young person under 23 years of age, receiving full-time education, a certificate is taken from an educational institution.

Attention! Authorities are required to verify the following information:

• the existence of legal ties between parents and children under the Family Code;
• lack of court decisions on the abolition or restriction of parental rights;
• residence of minors with mom and dad;
• otherwise.

In addition, civil servants find out from banks if the family has an outstanding car loan. Under the terms of the program, such assistance is not provided.

The Decree spells out another important limitation. The applicant is obliged to live in Russia for at least three years. This fact is also verified. An applicant for assistance can proactively confirm the fact of residence in the country with a relevant certificate (taken from the department of the Federal Migration Service).

How many times can I get state aid to buy a car

The government limited the parents to only one factor - the repayment term of the car loan. As soon as that is fully repaid, people will be able to issue a new car with the participation of the state. Applicants will be able to receive assistance from the budget many times under the following conditions:

• the absence of outstanding debt on the previous loan;
• the presence of two minors in the family.

Hint: grown children do not count towards state aid. The developers believe that they themselves can already qualify for participation in the state program, for example,.

Legal features and risks

A bank provides a loan for the purchase of a car. The Government of the Russian Federation limits the parties to the contract with a contract term of three years. At the same time, the state body that signed the agreement with the bank also acts as a guarantor of the loan repayment.

Therefore, a citizen is somewhat limited in his rights:

• some financial institutions require a written commitment not to issue other loans during the period of the contract;
• the financial history of the applicant is carefully checked;
• government agencies control the implementation of the loan contract.

Attention: if before the day the loan is repaid, citizens are deprived of parental rights, then state aid will have to be returned to judicial order.

Recycling program

Reduce cost new car citizens can through the trade-in offer. Its essence is to sell an old car to a recycling company. Such events are held on the territory of the Russian Federation also at the initiative of the Government. The goal is to renew the vehicle fleet and increase road safety.

Developers and enterprises operating in the domestic market have agreed to implement two different proposals for citizens:

• complete disposal;
• trade-in - purchases for the purpose of resale.

Carry out communication with customers car dealerships. They offer citizens discounts on new models, subject to the delivery of an old car. At the same time, the following requirements are imposed on the vehicle (TC):

• age not more than:
  • 10 years for disposal;
  • 6 years for resale;
• the owner is the only one;
• condition is normal.

The government has set quotas for the use of public money for the implementation of recycling activities. Up to 30% of all financing is allocated to the passenger segment. It is recommended to provide a discount to citizens up to 50.0 thousand rubles. The specific amount is determined by the employees of the salon and depends on the model, condition and period of use of the vehicle.

How to dispose of an old car

Reception of the vehicle is carried out in a car dealership or at a recycling company. The only condition is the acquisition of a new model included in the program at the enterprise. Cash for trade-in and disposal of funds are not issued. The owner needs to prepare:

• passport of a citizen of the Russian Federation;
• technical certificate;
• a certificate from the traffic police on deregistration of the car (otherwise you will have to pay for additional services).

The transfer of the car to the trade-in salon is confirmed by the relevant act. The document is drawn up on the spot. If the transport goes for recycling, then it is taken to the enterprise. There, an act of acceptance and transfer is drawn up, which is provided to the car dealership.

Which banks work with the state budget

The state programs are designed in such a way that the following parties take part in their implementation:

• financial institutions;
• vehicle manufacturers;
• sellers of finished products;
• citizens.

Controls all the regional branch of the federal government. IN this case Ministry of Industry and Trade. But the connection of counterparties with each other is carried out by banks. It is they who allocate money to guarantee the fulfillment of the multilateral treaty. The Government of the Russian Federation works with financiers. Moreover, the conditions put forward to customers, bank employees form on the basis of agreements reached by the heads. For example, Sberbank in 2017 demanded a 15% down payment. But since the beginning of 2018 conditions have changed.

Due to the constantly changing situation in the global market, citizens need to do the following:

• in a car dealership, be interested in the list of financial institutions working with the budget;
• carefully study all proposals;
• choose the most profitable.

Hint: if at some point banks stop supporting the state, then you should wait a few months. Currently, conditions and agreements are changing very quickly.

Video about programs Family car, First car

July 29, 2018, 19:35 Mar 3, 2019 13:35

Details Category: SDA Posted on 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 bought under the new state programs is in the material of the portal

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.

Terms of participation in the "First Car" and "Family Car" programs

• Citizenship of the Russian Federation
• Having a driver's license
• No other car loan agreements entered into in 2017 (confirmed by a credit report provided by a credit bureau)
• Commitment not to enter into other loan agreements for the purchase of a car in 2017 (confirmed by written applications of borrowers submitted to a credit institution)
• Borrowers must have two or more minor children to qualify for the Family Car Program
• Only borrowers who have not previously owned a car can participate in the First Car program

Under these programs, it is possible to purchase car Russian assembly cost up to 1450 thousand rubles. The number of cars is limited, therefore, in case of high activity of buyers, the programs may end before the end of 2017.

What cars can already be bought 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, with an additional benefit when buying a car on credit for which it will amount to 20,000 rubles, taking into account all current offers, the total savings reach 260,000 rubles.

The program started on July 13th. 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.

The offer is valid for 5 models Ford Russian production:

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

Those wishing to purchase a Ford under the Family ford car"will have to provide the birth certificates of the children.

The same models can be purchased under the "First Car" program.

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

"AVTOVAZ"

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

One of the most popular cars for novice drivers and the most affordable Lada- Grant's 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 (benefit - 38,990 rubles).

For members of the "Family Car" program the best choice can 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 Lada Vesta (Classic, 549,900 rubles) is available to participants in 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 existing discounts for other car loan programs offered jointly with VTB-24 Bank, cost basic configuration will amount to only 502 thousand 200 rubles. The total savings when buying reaches 85 thousand 800 rubles.

"UAZ"

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

Volkswagen

Since the end of July, Volkswagen cars have become 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 payment for programs is from 25%, 10% of which the bank directly transfers dealer center as a discount on the customer's down payment.IN Russian line The program conditions correspond to two models: Polo sedans and Jetta.

Skoda

From July 24 Skoda cars are available under the state programs of preferential car loans "First Car" and "Family Car".The programs are combined with other current promotions of the brand, the press service of Skoda Auto Russia reports. The rate on a consumer loan provided by Volkswagen Bank Rus for a period of 12 to 36 months will be from 8.7%. Cars worth up to 1 million 450 thousand rubles and produced in Russia participate in the action. In the Skoda line, the conditions of the programs correspond to Octavia models, Yeti and Rapid.

Hyundai

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

Kia

4 Kia ​​models participate in the program:

• previous generation Rio
• new Rio
• Cerato
• Sorento

Both programs provide for a 6.7% lower lending rate and the option of a zero down payment. Kia Finance partner banks under these programs offer a minimum rate of 6.0%.

Renault

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

• Logan
• Sandero
• Sandero Stepway
• Duster
• captur

At the same time, the proposals are combined with existing programs. For example, when buying Renault Logan version Access 1.6 l with MCP-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. Purchase discount amount Renault Sandero Stepway up to 98,000 rubles, Renault Duster - 128,000 rubles and 148,000 rubles - for crossover Renault captur.

Nissan

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

• 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 years year within Nissan programs Finance "Prime Numbers".

Datsun

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

For example, buying on credit Datsun on-DO version of Access 2017 release worth 442 thousand rubles for Datsun program Finance, its price will be 412 thousand rubles. Additional benefit under the "Family car" program - 41 thousand 200 rubles. Thus, the total cost of the car will be 370 thousand 800 rubles. When buying on credit Datsun mi-DO version Trust-1 with mechanical box transmissions of 2017 of release worth 515 thousand rubles, under the Datsun Finance program, its price will be 475 thousand rubles. The total cost under the program "First car" (with an additional benefit - 47 thousand 500 rubles) will be 427 thousand 500 rubles.

Mitsubishi

JSC MC 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 0% loan offer for 3 years from JSC MS Bank Rus. The total benefit for the client in all programs can be up to 400 thousand rubles.

Toyota

Toyota Motor Company has joined the state programs of concessional lending "First Car" and "Family Car". The programs cover the two most popular models of the Japanese brand, the undisputed leaders in their segments: the Toyota RAV4 crossover and Toyota business sedan Camry.

Thanks to special prices and / or a trade-in discount, a client can choose from several trim levels Camry and RAV4, which are subject to state programs. For a loan under the programs "Toyota Bank" offers a special reduced rate of 9.2%, and the down payment can vary from 20% to 70%.

Cars of the plant "Derways"

Part of cars Chinese brands produced on 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 programs "First car" and "Family car" start from July 1, 2017
• Since July 1, new programs to support the automotive industry have been 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 available under new government support programs

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 01, 2019, the conditions of which allow families with 2 or more children to get a car with a 10% discount. The state program provides a list of the most popular brands- both budget and medium-sized, and also has certain conditions for 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 - "The First Car". Both of them provide almost identical capabilities with significantly different capabilities. Meanwhile, most often you can decide for yourself which program suits the conditions and choose the most interesting one for you.

The state program "Family Car" for 2019 provides an 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 buying a car under the program?

In general, the terms of the Family Car Program are not very strict and can be accommodated by many families. Here is an exhaustive 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,
3. a family member for whom a car loan is issued must have a driver's license,
4. the term of the car loan should not exceed 3 years, and the 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 meet the conditions of the bank: have Russian citizenship, have a stable income, be suitable for age and other parameters that depend on a particular 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, preferential 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 on account of the first installment, and when calculating the amounts of car loan payments.

It should be remembered, however, that you cannot participate in several state programs at once when buying the same car - in this case, discounts simply will not be added up. Also, you can't submit your old car under the trade-in program to buy a new car.

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

How to get a loan with state support in 2019?

Buying a car through this program is easy. This is a standard procedure for purchasing a loan car with the slight 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.

The conditions for buying a car under the Family Car state program are listed above. It remains only to collect all the documents, submit them for approval to the selected bank and get approval.

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

What vehicles qualify for the program?

"Family car" works for almost everyone domestic cars, which include 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 selection.

In particular, here is a list of vehicles eligible for the Family Car Program:

• Nissan Almera, Qashqai, Sentra,
• Datsun of 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, Capture,
• Skoda Rapid, Octavia, Yeti,
• Toyota Camry,
• Volkswagen Polo, Jetta.

Also, many models of the Chinese car 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 mass of the car must be no more than 3.5 tons, the year of production of the car must not be earlier than 2016, and the cost of the car must not exceed 1,450,000 rubles.

Nuances of the program

Despite all the advantages and completeness of the information that we have presented above, in preferential state program"Family car" is still a small number of undisclosed nuances.

• Despite the fact that the possibility of buying cars on credit under the program is provided for a family, nothing forbids taking two cars: one for the husband, the second for the wife, provided, of course, that both of them have driver's licenses.
• From the received discount, you will have to pay personal income tax, 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 eminent ones (their list is constantly changing, so it’s better to check at a car dealership or by choosing the conditions you like in a particular bank for the fact of his participation in the state program). However, Sberbank does not participate in this program.
• A car to participate in the "Family Car" program must be bought only in the salon of official dealers of the brand you have chosen, and a car loan must be issued only in rubles.
• The buyer can only be an individual, not an organization.