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For citizens with a consistently high income, buying a car is a common event. Those who want to save money can get a discount, for example, by purchasing a car for cash. But the budget of a family with three or more children is unlikely to withstand such purchases. Can they count on state support in this matter? Has the Ministry of Industry and Trade of the Russian Federation planned the state program "Automobile for large family» in 2019?
Does the program work
The goal of government measures to ensure the availability of car purchases is state support for the domestic auto industry. The facts show that the situation in this segment has not yet stabilized. Scales state support depend on market conditions. It can be assumed that as soon as it begins to stabilize, the need for subsidies will not be so acute. Consequently, some activities will be reduced. If it is not possible to master the situation, most likely they will be extended again. According to Denis Mansurov, the head of the Ministry of Industry and Trade of the Russian Federation, the following preferential car loan programs will operate in 2019:
- « family car»;
Both programs began operating in July 2017 and continued for the current year.
What kind of car can you get
The Family Car Program benefits not only Russian car industry. For families with children, this is a real opportunity to buy a car. This scheme applies not only to passenger cars, but also to commercial vehicles. The only limitation is that the cost of the purchased car should not exceed 1.45 million rubles. For comparison, by the time the preferential car loan program was launched in 2014, the upper limit was 750,000 rubles.
Specified price range covers an extensive list of cars that can be purchased with state support: almost all models manufactured at AvtoVAZ, and most economy class foreign cars, collected by factories located on the territory of the Russian Federation. Often these cars are minimum equipment. In addition, the title of such a car must be issued no earlier than 12/1/2017. 
The government is ready to allocate 6 billion rubles for the implementation of the program. According to some forecasts, this measure will increase sales to 60,000 vehicles.
Program conditions
According to the preliminary conditions of the Family Car state program, families who:
- Have two or more children under the age of 18.
- Did not have a car or already had, but in 2017-2018 there were no other car loan agreements concluded.
It doesn't matter if they are natural or adopted children. As soon as the eldest of two children reaches the age of 18, his family loses the right to benefits. However, if he enters a secondary school or university for full-time education, and even on the budget, the benefit will last until the student is 23 years old.
But parents will not be able to use the program:
- registered in different regions;
- having permanent residence outside Russia;
- those who have not formalized their relationship in accordance with the requirements of the law (“not scheduled”).
In 2019, unlike the previous year, subsidies were canceled interest rate for this car loan. Only the discount on the cost of the car indicated above is valid. The term of the loan is 36 months. The borrower does not need to pay any taxes for using a preferential avkredit.
Required documents
To participate in the program, you must provide:
- Russian citizen's passport permanent registration and registered children or their birth certificates;
- driver's license of the parent on whom the car is issued.
In addition, as in the case of obtaining a regular car loan, you must provide a document confirming official employment and work experience at last place at least 4 months. As a rule, the age of the borrower is limited to 65 years. But there may be additional conditions that depend on the bank in which the soft loan is issued.
Car for a large family: Video
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 emphasized that out of 300 models on the market, 77 can be purchased at 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).
A new state program launched in July 2017 - "Family Car" - is beneficial for both automakers and families who would like to buy a brand new car. For several years now, the state has been stimulating sales of cars made in Russia with the help of a preferential car loan program. The extension of this state program for 2017 was announced in May. However, recently the Russian government decided to launch several more preferential programs based on the program of preferential loans, one of them is the “Family Car”. “Family car” - what the new state program of 2017 offers Russians, how to use it, what advantages it gives compared to the standard car loan benefit.
Conditions of the standard program of preferential car loans in 2017
Let us briefly recall what are the rules for preferential car loans in Russia in 2017. The essence of this program is not even to help buyers of new cars, although they also benefit, but to help Russian automobile factories in the sale of their products. After the economic problems that acutely confronted the inhabitants of the country in 2014, the car market suffered quite significantly. Someone abandoned plans to acquire new car due to problems with work or falling incomes, markedly increased prices also played a role. Some have opted for more affordable used cars without being able to buy a new one. Automakers began to feel a little feverish, and the state decided to help them.
The preferential car loan program, which was tested after the 2008 crisis, returned to the country, and in 2017, after some amendments, its rules were as follows:
- Under the program of preferential car loans, you can purchase only automobile, made in Russia.
- The car must be produced during the last two years.
- The value of a new car must not exceed 1.45 million rubles.
- The vehicle must be vehicle category “B”.
Any cars that are produced in Russia fall under the program. Including the products of factories that assemble foreign brands in our country.
Thus, the list of cars that fall under preferential car loan in 2017 looks like this:
- Hyundai- a lot of models that fall into the cost limit,
- Kia
- Renault- many models that fall under the cost limit,
- Skoda- many models that fall under the cost limit,
- Lada- many models that fall under the cost limit,
- UAZ- many models that fall under the cost limit,
- Nissan X-Trail
- Mazda CX-5- in the minimum configuration,
- Volkswagen Tiguan first generation - in the minimum configuration,
- Ford Kuga- in the minimum configuration.
The essence of the benefit is that the state subsidizes the bank that issued the loan, part of the interest on the loan, namely 6.7% per annum. In this case, the maximum percentage of the bank should be equal to 18%, so that for a car buyer on a soft loan, the percentage will be equal to a maximum of 11.3%. In practice, it turns out to be even lower - from 8% per annum.
Thanks to the benefit, a car loan becomes equal in cost or even cheaper than a mortgage loan.
The term of the loan under the program is no more than three years.
"Family car" - the state program of 2017
The “Family Car” government program, launched in July 2017, offers the following bonuses to those who are eligible to use it:
- 10% discount per car and the cost of its insurance from the state budget. That is, a maximum of 145 thousand rubles, if the car is on the upper threshold - 1.45 million rubles.
- No initial deposit required.
Families with at least two minor children are eligible to take advantage of the program. To do this, in addition to having two children, the following conditions must be met:
- The father or mother of the family applying for a loan must have a driver's license.
- Specialists of the bank in which a car loan is issued with a benefit will need to provide either a passport with a mark on the presence of children, or their birth certificates.
- The recipient of the loan will have to sign an obligation not to use the benefit again for a year. In one hand - one car at a discount.
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 for favorable conditions.
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.
Conditions for buying a car state program"Family car", we have 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 outlined above, there are still a small number of undisclosed nuances in the preferential state program "Family Car".
- 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.
