Family program. family car program

From March 1, 2019, the state program "Family Car" has been resumed for families with 2 or more children

Bring the kids to kindergarten, school or "drop" the wife/husband to work - this is a great help for the formation of healthy relationships in the family. However, the cost of the car makes fulfilling such desires problematic. But the state has allocated a special initiative to resolve this issue - “ family car", with which to purchase vehicle becomes much easier.

Family Car Program 2019: participation conditions

Requirements for the applicant are quite loyal:

• citizenship Russian Federation and driver's license;
• family composition includes at least two children under 18;
• for the last year the vehicle was not purchased for borrowed amounts.

Important: a person has the right to receive a car with state support once, but this prohibition applies only to a specific person. That is, a family can purchase two vehicles on preferential terms - for a spouse and for a spouse.

Requirements for the selected vehicle

In addition to ensuring compliance with the conditions of participation, when choosing a car, you will also have to pay attention to the criteria.

Additionally, it must be taken into account that not all brands of vehicles can be obtained on preferential terms. The state annually draws up a specific list. As of 2019, it includes:

	Kalina, Granta, Vesta, Largus, Lada 4×4, Xray.
	Almera, Terrano, Sentra.
	Solaris, Elantra, Creta.
	Focus, EcoSport, Fiesta.
	Rio, Cee`d, Cee`d_SW, Cerato, Soul.
	Duster, Kaptur, Logan, Sandero, Sandero Stepway.
	Patriot, Hunter, Pickup.
Mitsubishi Lancer.

Important: the acquisition is possible only with the use of borrowed funds.

Benefit amount

The amount of the discount is determined taking into account regional characteristics:

Preferential conditions are updated even when the down payment is calculated, which allows you to reduce the overall loan rate.

Instructions for participating in the initiative

Compliance with specific requirements is the primary responsibility of the applicant. To receive a discount on car purchases, you must follow a specific sequence of actions:

1. Choose a bank to apply for a loan and clarify their conditions.
2. Determine whether your candidacy meets the participation criteria and the requirements of the financial institution.
3. Visit the selected organization with a package of documents for applying.
4. Wait for the decision of the authorized structures. With a satisfactory answer, you will have to re-visit the bank to draw up an agreement.
5. After transferring funds, you need to get title papers for the car.
6. It remains to register the vehicle and transfer the documents for the car to the financial institution.

Important: registration can be made not only through a bank, but also through a car dealership.

List of documents for participation

The updated list of securities depends on the bank's requests and the status of the applicant. But in any case, the following documents will be required:

• passport of a citizen of the Russian Federation;
• SNILS and TIN;
• income statement;
• birth certificate of the child;
• written confirmation of the absence of the fact of purchase of the vehicle for the last year.

It must be understood that employees of a financial institution have the right to request additional documents if the solvency of a candidate is in doubt.

Advantages and disadvantages of using a preferential rate

Among the advantages of the considered programs, the following positions are identified:

• almost all citizens can use the service - the conditions for participation are not too demanding in relation to candidates;
• government programs are combined with commercial offers car dealerships. For example, Nissan provides its buyer with the opportunity to receive an additional discount on the Prime Numbers project, which is relevant for individual models cars. If the selected vehicle falls under the state support, then the purchaser can count on a benefit exceeding 10% of the cost of the car;
• You can repay the target loan without any restrictions. If the client decides to close the loan by paying off the balance in one payment, the bank does not interfere with this.

The benefits are pleasant and substantial enough - as they should be. But in order to make the right decision, it is important to take into account the shortcomings of the programs, among which we should highlight:

• for each year, the Government sets a limited budget for the initiative, which creates a lot of problems and pushes citizens to hurry;
• limited choice. Support for the domestic auto industry is good, but still its products are not in vain in low demand;
• not all financial institutions take part in the initiatives, which makes it even more difficult to get the desired vehicle. Therefore, before applying, it is recommended to carefully analyze the list of available organizations in order to choose the best option.

And yet, despite the obvious disadvantages, the state program is clearly popular among people who want to buy a car for the whole family - one has only to remember that the budget allocated for 2018 was spent in the first quarter. Therefore, if you want to take advantage of preferential terms in 2019, it is recommended not to delay the application for participation.

Advertising

Since July 1, state programs to support Russian car industry. There are five programs in total, one of them is intended for individuals - this is the "Family Car" program. Preferential loans, discounts for novice drivers and large families are already waiting for future car owners.

The good news is that the authorities will not leave buyers of new cars to fend for themselves. This year, 62 billion rubles have been allocated from the budget to support automakers.

It is expected that by the end of the year the Russians will buy at least 400,000 cars under state programs. Only new cars released from assembly lines in 2016 and 2017 participate. They must be assembled in Russia.

Under this program, the buyer can take a car loan for preferential terms, but not more than 1,450,000 rubles. A preferential loan can be taken without a down payment and for a period of not more than three years. At a bank rate of no more than 18%, a discount of up to 6.7%.

You can get a loan without a down payment. It may also include car insurance. But all together should not exceed 1.45 million rubles.

Maximum credit rate: 11.3% per annum. Maybe less, it depends on the bank that gives the loan. The list of participating banks is still being formed.

How many cars you can buy on preferential loans in one hand is not limited. At least a hundred. If only there was money.

According to dealers' estimates, if the above state program is in demand more than forecasted, then the state will increase funding.

As reminded by the Ministry of Industry and Trade, the maximum discounted price of a car cannot exceed 1.45 million rubles, although the initially declared amount was one million six hundred thousand rubles. No one commented on the reasons for this decline.

According to the official statement CEO IC Forum, such state support programs are not aimed at supporting ordinary people, but to finance car manufacturing companies and support banks.

All this is because the money for such programs is allocated from the state budget, and these are tax deductions from ordinary citizens. So in fact, people themselves, at their own expense, provided discounts.

To receive a discount under the Family Car program, you will need to confirm to the bank the presence of 2 or at least minor children, the discount will be approximately 10%. The bank carefully checks the client, including the credit history.

The borrower will be required to sign a commitment that he will not enter into other loan agreements for the purchase of a car in 2017. This is necessary to exclude the possibility of re-applying the discount provided under state programs.

What cars can be bought on a preferential loan in 2017?

In the simplest configuration: Nissan X-Trail, Mazda CX-5, Volkswagen Tiguan first generation Ford Kuga.

Many models and configurations: Hyundai, Kia, Renault, Skoda, Lada, UAZ.

Oh, it’s a pity, we didn’t fit into the limit a little: Toyota RAV4, Mitsubishi Outlander, Hyundai Tucson And new Volkswagen Tiguan.

You won’t be able to buy them under the preferential program if prices don’t fall.

Statistically, most in demand using the state support program Lada cars. 25% of the cars sold are accounted for by AVTOVAZ. For the plant, this is very serious - 65% of all Togliatti products are sold with discounts from the government.

Foreign brands participating in government programs to stimulate demand are sold at a discount of 30 to 50%.

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As of August 1, 2017, 360,000 cars made in Russia were sold thanks to government programs for preferential lending. Despite this, Denis Manturov, Minister of Industry and Trade, said that by the end of the year these figures are planned to increase to 670 thousand. He stressed that out of 300 models on the market, 77 can be purchased on preferential terms. This list includes: LADA (Kalina, Granta, Vesta, Largus, LADA 4×4, XRAY); models assembled on the conveyor of AVTOVAZ and LADA Izhevsk (Datsun mi-do, Datsun on-do, Nissan Almera); all UAZ models ("Hunter", "Patriot", "Pickup").

Lada Granta leads the program

Considering that the model purchased on preferential terms should be exclusively in basic configuration, the most popular among domestic novice drivers is Lada Granta, where you can pay 38 thousand 900 rubles (the price without a discount is 389 thousand 900 rubles), and families most often opt for the roomy Vesta and Largus models. On the first one, you can save almost 53 thousand rubles, purchasing it for 479 thousand 900 rubles, and on the second - 54 thousand 590 rubles (the price is 491 thousand 300 rubles).

Agree that the purchase of a car for most families in our country has always been a holiday, and funds for it have been collected for several years. It is possible to 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 "pull" such a large purchase. It was for them that the Family Car program was created, and what is it, what are the conditions for obtaining a loan, let's figure it out together.

State program "Family car"

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

In connection with the fall of the automotive industry market, the government of the Russian Federation has developed a number of state programs.

• "Vehicle for the village", aimed at helping agricultural enterprises and farmers in the purchase of agricultural machinery;
• "First car";
• "My business" target audience which are private entrepreneurs;
• "Russian Tractor", car loans for the 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 provide orders for automotive industry enterprises and to enable families with many children to purchase a car on preferential terms, the state will pay 10% of the cost of the selected vehicle. The program covers both passenger cars and commercial vehicles.
Please note that the cost of the car should not exceed the figure - 1 million 450 thousand rubles, in addition to this, the conditions of the family car program have a number of clarifications, which we will discuss below.

Which car can you choose

Car for the whole family

It should be noted that a fairly wide list of cars falls into the cost of a car specified in the conditions of car loans:

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

• almost all AvtoVAZ models;
• foreign cars falling into the economy class category of such manufacturers 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 offered cars will have a minimum configuration.

Consider the conditions

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

• the family must be eligible for the status of a "large family";
• absence of a car;
• the credit rate in the selected banking institution should not exceed 18% per annum;
• the year of manufacture of the car is 2016-2017. The purchase must be made exclusively through the salons official representatives manufacturers;
• obligatory deposit and prepayment in the amount of 20% of the cost of the car;
• the loan is issued in national currency and does not provide for additional commissions and fees. However, find out the full conditions for obtaining a car loan at a bank branch;
• the term of the contract should not exceed 3 years;
• the mass of the machine should not exceed the indicator - 3.5 tons.

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

We collect a package of documents

Changing the price of a car under the Family Car program

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

In connection with the finalization of the intricacies of the design of the "Family Car" program as part of preferential car loans, the exact package of necessary papers is not yet known. However, one document will be needed for sure - a certificate confirming the status of a "large family".
Please note that the issuance of the certificate takes 30 working days, and for this you need to contact the regional (local) department of social protection or the MFC. 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

Main requirements of banks participating in the program:

• the borrower can only be an individual;
• have citizenship of the Russian Federation and residence permit at the place of obtaining the loan;
• work experience of at least 1 year, last place employment - at least six months;
• clean credit history;
• the age of the borrower is at least 21 years old at the time of obtaining the loan, but not more than 60 years old. At the time of full repayment of the loan, the age of the borrower should not exceed 65 years.

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

Registration procedure

family car

The main stages of obtaining a loan:

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

• choose a car, taking into account all the subtleties;
• we analyze the offers of banks, choose the best option for you;
• we collect documents and send them to the branch of a banking institution with a corresponding application;
• we sign a contract of sale and make an initial 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 the loan options, and you will definitely find an acceptable option for yourself.