Since July 2017, a number of state programs have been launched to subsidize certain categories of citizens when buying a car. By the way, these are not the first state support programs automotive market, similar projects have been successfully operating since 2014 and are in demand. This article will discuss the conditions for obtaining a loan under the state program. family car, as well as a list of cars and banks participating in it.
Among the state programs that have been replaced by new ones are recycling, buying out an old car and exchanging it for a new one. It is clear that she has already worked her way, those who wish could use it. The government decided not to cover the entire segment of the market, but to decide on targeted assistance. In particular, state subsidies when applying for a car loan vehicle were adopted for farmers (" Russian farmer”), entrepreneurs (within the framework of the state program “Own Business”), citizens who purchase a car for the first time (“First Car”) and families with children (state program “Family Car”).
It is almost always difficult for a large family to immediately purchase a car or apply for a loan for general conditions. The state, in order to support the category of citizens, issued an order according to which the family will be able to purchase a car without a down payment at a reduced rate. How does it all work and what are the differences from a regular car loan purchase? Consider below.
Features of the state program Family car in 2017
A distinctive feature of the Family Car state program from others is the ability to get a loan for favorable conditions. Judge for yourself, a 10% subsidy for the cost of a car from the state and a reduction interest rate on loans by 6.7% is of interest to consumers. Thus, a car loan issued under the state program becomes more accessible than the rest. If the spouses have long been thinking about acquiring family car, you should take a closer look at its conditions.
Conditions for buying a car under the state program
Recall the features for participation in all adopted state programs:
- The car must be produced in Russia.
- It is possible to purchase a car not older than 2016-2017.
- The cost of the car is not higher than 1450000 rubles.
- The car is purchased in the basic configuration.
- The loan term is no more than three years (36 months).
Distinctive conditions for participation in the Family Car state program are:
- A married couple raising two or more children (minors) can buy a car.
- The applicant does not have a formalized loan for the purchase of a car.
- The applicant has driver license.
- After receiving a car loan, the participant loses the right to participate in the state program again. One car is issued to one person.
- The maximum interest rate on the loan is 11.3 percent.
Agree, the conditions are more than feasible. Which banks to apply for a car loan?
Which banks issue car loans
Dealers may offer additional bonuses when buying a car. So, car concern Ford provided for its potential buyers, in addition to a guaranteed discount from the state of 10%, a reduction in the loan subsidized by the state by 6.7%, an additional discount of up to 200,000 rubles.
The exact list of banks participating in the Family Car state program is currently being formed. It is known that a number of banks have begun to issue loans. Sberbank, VTB, Bank of Moscow, Setelem Bank are among those known to a wide range of people in the state program. It became possible to issue a car loan in these institutions from July 19 this year.
Car list
At the stage of discussion of the bill, in particular, the maximum cost of cars, figures of 800-900 thousand rubles were announced. At final version The government decided to subsidize cars worth up to 1,450,000 rubles.
Subject to the state program Family car in this price category:
- LADA cars, in the configuration, are not more expensive than the established limit.
- UAZ in the configuration, no more than the established limit.
- KIA in the configuration, no more than the established limit.
- RENAWLT in the configuration, no more than the established limit.
- Ford in price segment eligible for the program.
- Nissan, as standard.
- Mazda, as standard.
LADA, KIA, FORD vehicles enjoy success among the cars presented in the list by consumers during the implementation of the Family Car state program. Maximum discounts when buying a car of these concerns, you can follow them on their official website.
How to get a car loan under the Family Car state program
Before buying a car under the state program, you should visit a car dealership and clarify whether it cooperates with credit institutions participating in the project. You can also find out on the official website of the car dealer.
Either spouse can apply for a loan. One of the conditions of the bank is the availability of rights and the absence of previously issued car loans in 2017. You can apply for a loan directly in the salon, where bank employees are often present or in a branch of a credit institution.
It is advisable to compare the conditions offered before submitting documents different banks, estimate the percentage of overpayment under the contract, the interest rate. Find out if you can change your insurance company over time.
Often, automakers have additional discounts, there are promotions that, when combined with a state subsidy, will help you buy a car most profitably.
To apply for a loan to purchase a car under the Family Car state program, you will need:
- passport
- driver's license
- certificates 2-personal income tax on the salary of spouses
- birth certificates of children
The list provided is not final. The exact list of documents is specified in a particular bank. After submitting all the documents, the bank will check the accuracy of the information provided and make a decision.
Benefits of participating in the state program
An additional bonus when participating in the Family Car state program, which distinguishes it from the previously existing ones, is the absence of the need to make an initial contribution. Its introduction is undertaken by the state, contributing 10% of the cost of a car on a loan.
The state subsidy when buying a car does not apply to additional fees that the bank imposes on the buyer. Those. insurance will have to be paid by the car owner himself.
In addition to contacting a credit institution, it is possible to apply for a loan directly at a car dealership. In this case, the buyer will be able to save time.
Contrary to publications on other information sites about the possibility of using funds maternity capital in 2017 for the purchase of a car under the Family Car state program, we inform you that this bill was not adopted. The use of mother capital for these purposes is impossible.
As always, the adoption of the law "kills two birds with one stone." On the one hand, the state develops the automotive industry and increases sales, on the other hand, it helps the population to buy cars at a discount. According to forecasts, the program plans to sell more than 90,000 vehicles. The action of the state program Family car is designed for 2017. Whether it will be extended is still unknown.
Video: Family car state program launched
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"
Government program The "Family Car" entered into force on July 1, 2017, along 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:
- a car under the "Family car" program can only be purchased on credit,
- the family must have 2 or more children under 18,
- a family member for whom a car loan is issued must have a driver's license,
- the term of the car loan should not exceed 3 years, and the interest rate should not exceed 18% per annum,
- the borrower must not buy a car in the year in which the loan is issued,
- 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, Captur,
- 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.
- The discount received will be subject to income tax. individuals, 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 showroom official dealers brand of your choice, and a car loan must be issued only in rubles.
- The buyer can only be an individual, not an organization.
- News
Moscow, July 28, 2017– KIA Motors Rus reports that since mid-July 2017, the company has joined the new State programs for subsidizing the interest rate "First Car" and "Family Car". This program applies to four models from the brand line: KIA (third generation), KIA (new, fourth generation, sales of which in Russia begin on August 1, and pre-orders are accepted from July 17), KIA and KIA 2nd generation . At the same time, the KIA family crossover became the largest and spacious car in the entire list of models covered by the new Russian state programs. Both programs provide for a 6.7% lower lending rate and the option of a zero down payment. The minimum rate for tariffs of KIA Finance Partner Banks is 6.0% under these programs.
The First Car Program is offered to licensed customers who have never owned a car before. private car(including those without car loans in 2017). The Family Car program is aimed at people who have two or more minor children and also do not have car loans in 2017. The cost of cars covered by the new state programs is limited to 1.450 million rubles. In addition to the reduced rate, the client's benefit is formed by providing a subsidy from the bank (10% of the cost of the vehicle) on account of the down payment.
Also, since mid-July 2017, KIA Finance has been offering customers a number of attractive new products when purchasing popular models - compact models family, urban crossover and business sedan, recognized as the "Car of 2017 in Russia" in its class.
The 6% on credit program1 provides for a discount on a car in the amount of 18,000 rubles for KIA, 19,000 rubles for KIA and 26,000 rubles for KIA upon signing a loan agreement for a period of 24 months and an initial payment of 60% of the cost of the car . At the request of the client, when purchasing under this KIA programs, he can also take advantage of the "KASKO in a set" offer, which compensates for the costs of a KASKO insurance policy. When purchasing KIA, the client is offered the “Insurance Package Included” program, which compensates for the costs of CASCO and OSAGO policies.
The "Insurance Package Included" offer 2 also applies to the purchase of compact crossover KIA Sportage in versions worth up to 1.450 million rubles.
Details about the operation and conditions of the new programs of state support for car loans "First Car" and "Family Car", as well as KIA offers Finance - can be found at any KIA dealership in the territory Russian Federation and also on the website.
1 Marketing rate, achieved by reducing the price of a car in the amount of 18,000 rubles. The loan is provided by Rusfinance Bank LLC General license of the Central Bank of the Russian Federation No. 1792 dated February 13, 2013 (hereinafter referred to as the Bank). The value of the annual interest rate in the client's loan agreement is 11.6% for the credit product "Indirect Classic KIA on credit" when buying a new KIA Sid car worth 919,900 rubles. from official KIA dealers. Initial payment 695,000 rubles. Loan term 36 months. Security for a loan is a pledge of a purchased car. Required condition– registration of CASCO insurance in an insurance company that meets the Bank's requirements for insurance companies and insurance conditions. It is supposed to include insurance premiums for life and health insurance of the borrower in the loan amount for the entire term of the loan agreement. The loan is repaid in equal monthly installments (except for the first and last). When repaying a loan through other credit institutions, payment systems, Russian Post, a commission is charged for the transfer of funds in accordance with the tariffs of organizations. In case of late payment of interest and repayment of the loan, the borrower is charged a fine in the amount of 0.1% of the amount of interest not paid on time and part of the outstanding loan debt for each day of delay. The offer is for informational purposes only and is not public offer(Article 437 of the Civil Code of the Russian Federation), effective from 07/20/2017. Terms and tariffs may be changed by the Bank in unilaterally. Detailed terms lending, requirements for insurance conditions and requirements for borrowers, check with managers in official dealer centers Kia or on
2 The amount of the insurance premium paid by the Client in favor of CJSC VSK (Licenses of the Central Bank of the Russian Federation - SL No. 0621, SI No. 0621 dated 11.09.2015 www.vsk.ru) is compensated by a proportional reduction in the price in the amount of a premium of 25,000 rubles. (26,000 rubles) for a car purchased on credit under a loan product under the state program of preferential car loans under the KIA Finance program, in the event that the Client concludes a car insurance agreement (in case of theft or complete destruction) and the responsibility of the car owner in the territory of the official KIA dealer in case of purchase of a new car KIA SOUL (KIA SPORTAGE) worth no more than 1,450,000 rubles from official KIA dealers
More and more Russian banks and car manufacturers are joining preferential car loan programs "Family car" And "First Car", launched this summer by the Government of Russia and the Ministry of Industry and Trade as part of Decree No. 808 of July 7, 2017. The duration of both programs is until December 31, 2017. Below are the main benefits that are provided to 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 that have been experiencing financial difficulties for a long time due to falling demand for new motor vehicles against the backdrop of a decline in real incomes of the population. As a result, during the first months of the state programs “Family” and “First Car”, car dealers in all regions of the country noted a significant increase in sales in the mass automotive segment.
Conditions of the state program Family car
Program participants are entitled to 10% discount on the cost of the purchased car, which is compensated by the participating banks with state subsidies. Until December 31, 2017, citizens can take part in new state programs:
- having two or more minor children - "Family car";
- buying a car for the first time - "First Car".
The first state program for many Russians misassociated with the previously proposed program "Car for large family” (that is, for families with three or more children). Also launched by the Government credit program The “family car” has nothing to do with having a second child (for a long time, the possibility of using maternity capital to buy a car has been discussed, including in 2017).
However, all of these categories families with two or more children under 18, can take part in the new state program until December 31, 2017 and purchase a new car worth up to 1.45 million rubles on credit at a 10% discount at a preferential interest rate (and no not required).
In total, this year it is planned to implement at least 58.35 thousand cars. By Order No. 1369-r dated June 29, 2017, the Government of the Russian Federation allocated funds to the Ministry of Industry and Trade for the relevant purposes in the amount of 3.75 billion rubles. In total, over 16 thousand cars have already been sold in the first 2 months of the program (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 interest rate cut by 6.7% from the base value when buying cars manufactured in 2016 and 2017 (the maximum final rate in this case will be no more than 11.3%).
Prerequisite for the program- the borrower must not conclude other loan agreements for the purchase of a car in 2017 (including until the moment of application). 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 participants in the program, which include a discount of 10% of the cost of the car in the form of compensation from the state budget for the costs of paying the down payment. Thanks to this, families with 2 or more minor children can receive such a car loan at all. no down payment(it is paid by the state in the amount of 10% to the bank).
List of banks participating in the Family Car programs and "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 (only 15 credit institutions have been announced so far).
- Setelem Bank LLC (owned by Sberbank and specializes in automotive and consumer lending);
- PJSC "VTB24";
- Volkswagen Bank RUS LLC;
- JSC MS Bank RUS;
- PJSC "Bank Uralsib";
- PJSC NKB "Radiotechbank";
- JSC TatSotsBank;
- PJSC Sovcombank;
- PJSC Sarovbusinessbank;
- PJSC JSCB "Energobank";
- JSC RN Bank;
- LLC "PSA BANK Finance Rus";
- LLC "Rusfinance Bank";
- PJSC "Plus Bank";
- JSC "Gazbank"
In most of these participating banks, it is possible to obtain a preferential loan no down payment. Maximum term loan repayment is 36 months.
Which vehicles qualify for the program
The purchased car must be new (2016 or 2017), no more than 1.45 million rubles(including the cost of insurance) and must be assembled in Russia. These criteria include:
- the whole the lineup traditional Russian car brands who release new cars in 2016 and 2017 (LADA, UAZ);
- foreign cars assembled on the conveyors of AvtoVAZ and LADA Izhevsk ( Nissan Almera, Datsun);
- cars Chinese stamps manufactured in Karachay-Cherkessia at the Derways plant (Brilliance, Chery, Lifan, etc.);
- other foreign cars Russian production worth up to 1450000 rubles ( Chevrolet Niva, Ford cars, Renault and Nissan, several Skoda models and Volkswagen, Korean cars brands Hyundai and KIA, etc.)
More detailed information O specific models cars participating in the program of preferential car loans in 2017, check with your car dealer.
How to get a preferential car loan under the state program
For preferential purchase of a car, you must contact the car dealer of the manufacturer of interest or directly to the car lending center at the selected credit institution.
In the first case, the buyer will first need to make sure that the car dealership is cooperating with a bank participating in the car loan subsidy program (for this, you will need to check the list of partner dealers on the website of the credit institution).
Next is the procedure for obtaining preferential car loan 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) will need:
- Family Car Member will need to provide birth certificates of children containing the full name of the borrower in the fields about one of the parents (if necessary, also documents confirming the change of the borrower's last name, for example, a marriage certificate).
- customers wishing to apply for a loan under the First Car program are also waiting for traffic police database check for other vehicles.
