Last year, by Decree of the Government of the Russian Federation dated July 26, 2018 No. 870, the State program of preferential car loans was officially extended until 2020, so you can take advantage of a preferential car loan secured by government subsidies for the purchase of cars in the form of a 10% discount on the original cost in 2019. This program for subsidizing car loans has been operating in Russia for almost 5 years and in total about 15 billion rubles have been allocated for it. The main goal of this program is to support consumer demand for vehicles produced by the domestic automotive industry, as well as by foreign automakers who have built their own automobile plants in Russia.

Every year, over 5 billion rubles are allocated from the federal budget to provide and implement the preferential state program. The state program of preferential car loans contributed to the growth of consumer activity in Russian car markets, allowing for the sale of more than 45,000 cars in Russia, more than 5,000 of which were sold in the Far East.

Conditions of a car loan under the state subsidy program

The state program of preferential car loans operates within certain conditions:

• The cost of the car does not exceed 1,450,000 rubles.
• The weight of the vehicle is no more than 3.5 tons.
• The repayment period for the car loan is no more than 3 years.
• The down payment is NOT required from 2019.
• The car is not registered and was not owned by any individual.
• No more than 12 months should pass from the date of issue to the execution of the purchase and sale agreement.
• The car must be assembled on the territory of the Russian Federation.

The state lending program involves the bank providing a discount on the payment of the initial loan payment in the amount of 10% of the cost of the purchased car with subsequent reimbursement of costs from the federal budget (the discount has been increased to 25% of the cost of the purchased car in the Far Eastern Federal District for the state programs “First Car” and “ Family car"). The purchased vehicle acts as collateral.

In 2019, the state program of preferential lending allows you to purchase a car of both Russian and foreign brands assembled on the territory of the Russian Federation; these conditions include more than 50 models of various brands

List of cars under the state support car loan program

• LADA (Vesta, Xray, Kalina, Granta, Largus, Lada 4x4).
• UAZ (Patriot, Hunter, Pickup).
• Citroen C4 sedan.
• Datsun (mi-do, on-do).
• Ford (Focus, Mondeo, Kuga, EcoSport, Fiesta).
• Hyundai (Solaris, Elantra, i40, Tucson, Creta).
• KIA (Rio, Ceed, Ceed SW, Cerato, Optima, Picanto, Soul, Sportage).
• Mazda (3, 6, CX-5).
• Mitsubishi Outlander.
• Nissan (Almera, Terrano, Qashqai, Sentra).
• Peugeot 408 Renault (Duster, Kaptur, Logan, Sandero, Sandero Stepway).
• SsangYong Actyon.
• Skoda (Superb, Rapid, Octavia, Octavia Combi, Yeti).
• Toyota (Camry, RAV4).
• Volkswagen (Polo, Jetta).
• Brilliance (H230, H530, V5).
• Chery Tiggo (5, FL).
• Geely Emgrand (7, GT, X7).
• Hawtai Boliger.
• Lifan (Smily, Solano, X50, X60).

Please note that this is an incomplete list; it may include other vehicles that meet the conditions of the state program of preferential lending in terms of price, weight, etc.

Who can buy a car on credit under the preferential car loan program?

Today, every citizen of the Russian Federation, from 21 to 65 years old, can become a participant in the state subsidy credit program. What you will need for this:

• Russian passport, with a mark of registration in the area where it is planned to draw up a contract for the purchase of a car;
• A second identification document (for example, a driver's license);
• Certificate 2-NDFL for the last three months of work. In this case, the work experience must be at least 1 year;
• A copy of the employment contract;
• A copy of the work book.

The list may be supplemented with other items - each bank sets its own conditions. Or, conversely, the terms of the loan may be simplified. But the buyer may be the reason for refusal to issue a preferential car loan.

Which banks participate in the preferential car loan program?

The state program of preferential car loans puts forward quite stringent requirements for participating banks, among the main requirements:

• 50% of the bank's shares were to be under the control of the Russian government
• authorized capital exceeding 70 billion rubles

As of 2019, about 90 banks provide preferential car loans to the population, here is a list of some of them:

• Rosselkhozbank;
• Uralsib;
• Gazprombank;
• Rusfinance Bank;
• Bank "Orient Express".

If we analyze last year’s statistics, there are three leaders at the finish line of the car loan market:

• The first place is occupied by Rusfinance Bank. He rightfully deserved this place of honor because the total volume of loans issued for six months amounted to 21.6 billion rubles;
• Second place belongs to VTB Bank - the volume of loans for the purchase of cars for the same period amounted to 20.6 billion rubles;

Each bank has its own advantages that “attract” customers, so over the past few years, many banks have begun to offer preferential loans for car purchases, where more favorable conditions are created for customers on additional banking services and products.

Prospects for the state program of preferential lending for car purchases

After manufacturers and car dealerships earned good profits, they had to reduce their level, preferring a more even strategy for selling cars. This had to be done due to the emerging threat of market saturation. But if we take into account the production of cars in the budget price category, included in the list of car loan cars from the state in 2019 (with state support), then the desire to take out a loan on favorable terms is unlikely to disappear among Russian citizens. A significant role in maintaining demand is played by the reduction of interest rates in most banks.

Today, car loan market trends suggest that after 2020 the government subsidy program will be extended. This is due to the following reasons.

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From 2017, a preferential car loan program developed by the Ministry of Industry and Trade and the Government of the Russian Federation comes into force.
The list of cars that participants in the 2017 preferential car loan program can purchase includes:

The list is not yet final; it is only known that only cars in a more “modest” configuration will be available under the preferential car loan program.

• Dawoo: NeXia, Matiz;
• Citroen C4;
• Ford Focus;
• Hyundai Solaris;
• Kia: Rio, Seed;
• Lada;
• Mitsubishi Lancer;
• Nissan: Almera, Tiida;
• Opel Astra;
• Renault: Duster, Logan, Sandero;
• Skoda: Octavia, Fabia;
• Toyota Corolla;
• Volkswagen Polo;

The list is not yet final; it is only known that only cars in a more “modest” configuration will be available under the preferential car loan program. The maximum cost of the car has also not been finally established - from 1,150,000 to 1,450,000.

In a nutshell, the state, represented by the Central Bank, will pay the creditor bank 2/3 of the interest rate on the loan for the purchased car. The remaining third of the rate will have to be paid to the buyer of the car. Considering the considerable cost of even the most inexpensive car and the “appetites” of the creditor banks, the amount of assistance in the end will also be considerable - on a national scale.
Not all banks will participate in the new preferential car loan program. So far, the following financial organizations have been approved for participation:

The state, represented by the Central Bank, will pay the creditor bank 2/3 of the interest rate on the loan for the purchased car.

1. "Sberbank".
2. VTB 24.
3. "URALSIB".
4. "UniCredit Bank".

However, this list is expanding.

How to buy a car with a preferential car loan

Citizens of the Russian Federation from 21 to 65 years old can participate in this program, that is, purchase a car on credit at a reduced interest rate. But the bank has the right to refuse a potential client with a bad credit history.
A necessary condition for obtaining the right to a preferential car loan is to provide the bank participating in the program with the following documents:

• passport of a citizen of the Russian Federation;
• personal income tax certificate2 on the income of an individual;
• employment history.

In this case, there is no need to search for the required bank; it is possible to submit applications to several banking organizations at once - their branches will be opened directly at car dealerships. A potential buyer will have the opportunity to independently choose the bank whose offer suits him best.

Preferential lending is possible without a down payment for a car. It is not yet known what the counter conditions on the part of the banks may be.
In addition, some banks, after considering the application, in some cases may pay CASCO insurance as a bonus.
The new law on preferential car loans with state support is included as a component of measures aimed at developing the domestic automotive industry. These include:

The new law on preferential car loans is included as a component of measures aimed at developing the domestic automotive industry.

1. designed to provide a discount to people purchasing a car for the first time. The program provides for a discount of 60,000 rubles when purchasing a new car of a certain price category.
2. The Russian Tractor program offers favorable conditions for the purchase of freight vehicles.
3. involves providing discounts on cars to families with at least three children.
4. The Social Worker program will provide assistance in purchasing a car to low-paid employees working in the social sector.

It seems premature to judge the advantages and disadvantages of the 2017 preferential car loan program. To do this, it is necessary for the program to “work” for at least one year. And what kind of profits it will bring with it can be shown by impartial statistics, because all forecasts, as they say, are “written with a pitchfork.”
Considering the many similar government programs that aim to simultaneously make life easier for low-paid segments of the population and support manufacturers of domestic equipment, all these programs take on the appearance of a PR move on the part of the state - after all, their actual budget is ridiculously small on a national scale.

Chapter:

Let us remind you that, according to the government decree, the maximum cost of a car that can be purchased on credit under special conditions in 2017 is from 1,150,000 to 1,450,000 rubles. Thus, the number of not only available models has increased, but also trim levels - some cars have now become more attractive for purchase under the program, since previously only their “empty” basic versions were included in the list.

The government expects that manufacturers will be able to sell at least 350 thousand cars on credit on preferential terms (for 3 years at 8-10% per annum). It is obvious that crossovers will occupy a significant share of them - according to the results of the first quarter of 2017, this segment surpassed the B-class in popularity. And buyers have plenty to choose from.

Thus, the preferential list included absolutely all configurations of the country’s current crossover - Hyundai Creta. From the base one for 789,900 rubles to the top one - with a 2-liter 150-horsepower engine, 4x4 formula and automatic - for 1,199,900. By the way, it is already available for 969,900 rubles - with a manual transmission and a 1.6 engine.

The list also includes the second most popular SUV - Renault Duster with a starting price of 639,000 rubles. You can even take out top-end all-wheel drive versions with a 2.0 petrol engine (143 hp) and an automatic transmission for 1,019,990 on credit under special conditions and a 1.5-liter diesel unit (109 hp) for 1,009,990.

By the way, I easily fit within the designated framework and Renault Captur- with all-wheel drive, automatic transmission 4 and the same two-liter gasoline engine, it is priced at 1,179,990 rubles.

About the domestic all-terrain vehicle Lada 4x4 and his "step-relative" Chevrolet Niva Needless to say, thanks to low prices, they were always sold on credit with benefits. The most expensive three-door Lada now costs 558,900 rubles, the five-door - 603,900. The Russian-American car has slightly higher prices - up to 732,500. The same applies to both models UAZ - "Patriot" And "Hunter", which sell for a maximum of 1,055,000 and 679,990 rubles, respectively.

Naturally, popular “Chinese” are also on the list (we’ll keep silent about the unpopular ones). In particular, Lifan X60(costs up to 919,900 rubles for a car with a 1.8 engine and a CVT), Geely Emgrand X7(up to 986,000 - with a 2.4 engine and automatic transmission) and three Chery SUVs at once. The most expensive of them will cost 1,179,900 rubles - Chery Tiggo 5 in the luxury version with a 2-liter engine and CVT. Tiggo 3 is sold at a price of up to 909,900 rubles, and Tiggo 2- up to 889,900.

Fans of real "crooks" can choose Suzuki Jimny- the most expensive one costs up to 1,259,950 rubles, and the rest of the adherents of the philosophy of the Japanese brand are left with four versions of the crossover SX4 with a 1.6 engine, including all-wheel drive - for a maximum of 1,339,000 rubles.

There is plenty for fans to choose from Nissan. The brand's most popular crossover Qashqai costs from 985,000 rubles and the required amount includes no less than 20 model trim levels - up to Le Roof with a 2-liter engine (144 hp) and a continuously variable transmission. There are also all-wheel drive versions with the same engine and transmission, but in a simpler version - at prices from 1,373,000 to 1,417,000 rubles. You can also purchase all possible versions of the “Japanese” Duster - Terrano, including top-end all-wheel drive with automatic transmission for 1,220,000 rubles. In addition, three front-wheel drive variants are available with the incentive. Nissan X-Trail.

Fully within the "limit" Kia Soul, even the "" 204-horsepower version of which - 1.6 GDI - is priced at 1,369,000 rubles. But at Sportage The first four configurations are available - including with a 2-liter engine (150 hp) and an automatic transmission.

The situation is similar with Ford. Here you can choose from the entire line Ecosport with a maximum price of 1,215,000 rubles (including all-wheel drive and automatic transmission), but Kuga Only the starting configuration with a 2.5 engine (150 hp) and automatic transmission 6 was included in the program.

Same thing with Mazda CX-5, whose price “limit” included two front-wheel drive versions with “mechanics” and “automatic” (1,450,000).

The only one remaining on the list was Volkswagen complete set of "old" Tiguan Trend & Fun with 1.4 TSI engine (122 hp) and manual transmission. But the cheapest one costs from 1,459,000 rubles, but it is possible that the manufacturer will drop 10 thousand so that this model is included in the preferential list.

The same thought arises when analyzing the proposal according to Skoda Yeti, whose “limit” included all versions except the top-end all-wheel drive, which costs 1,469,000 rubles.

By the way, getting into the coveted list was previously a reason for manufacturers and distributors to slightly reduce prices. Time will tell how it will be this time.

The car loan co-financing program for the purchase of a personal car has been operating in Russia for several years. The program was introduced with the aim of activating consumer behavior in the automobile market. The first issue of car loans with state subsidies was implemented in 2012. The government allocated financial assistance in the amount of 5 billion rubles. Several billion rubles are allocated annually for the implementation of the credit program.

This year's program offers a reduced interest rate and an expanded list of commercial banks involved in government co-financing. In 2017, the preferential rate was reduced by an average of 6.5%. According to the forecasts of the developers of the subsidy strategy, about 400,000 cars will be purchased using preferential lending funds in the coming year. It is reliably known that the current government projects for the recycling and exchange of cars within the framework of trade-ins will be curtailed.

A car loan under the state program involves the following conditions of participation:

• The list of models includes cars whose cost< 1 450 000 рублей (прошлогодняя программа государственного субсидирования предполагала лимит суммы займа в 1 миллион рублей);
• no down payment (previously, to get a car on credit under the state program, you first had to pay 1/5 of its cost);
• The loan period is no more than 3 years.

On July 1 of this year, options started within the framework of the car loan subsidy program - "First car" and "Family car".

Interesting! If you purchase a car under the terms of these programs, you can qualify for a discount of up to 10% of the cost of the car. The 2017 state car loan program “Family Car” received support from the Ministry of Industry and Trade in the amount of 3.75 billion rubles.

In addition, the state program of preferential car loans exempts the borrower from additional fees. For example, if you take out a car loan from VTB 24 with government subsidies in 2017, the bank may try to impose life and health insurance. Under the terms of the program, the borrower may refuse to provide these options.

The terms of the subsidy allow you to purchase both new cars at car dealerships and used ones. According to the provisions of programs on state support for car loans, the car must be produced in Russia. In order to help the borrower navigate the list of models, we present extended list:

The list of cars changes annually. The car must fall under the “passenger car” category, that is, have no more than seven seats, and the curb weight should not exceed 3.5 tons. The list of cars can be revised at the request of the creditor organization.

Purchasing a new or used car using a state car loan is carried out through loans from commercial banks. Compared to the initial waves of the program, the list of credit institutions has expanded significantly - more than 90 banks offer to take out a car loan with state support in 2017 (the list of main organizations is below).

At the moment, the full state car loan program for 2017, including the “Family car” and “First car” subprograms, is being implemented in all major banks, among which:

Preferential lending can be provided by subsidiaries of automakers' financial institutions. For example, the Toyota company has a division in Russia, Toyota Bank, which provides loans to car owners. Information about corporate credit programs is posted in car dealerships and on the websites of car manufacturers.

Also, car loans are issued by subsidiaries of insurance companies. For example, Rosgosstrakh Bank provides a car loan and supplements it with advantageous offers for insuring the purchased car.

Interesting! Participation in the “First Car”, “Family Car”, “Large Family” programs allows borrowers to pay part of the loan from maternity capital, the amount of which this year exceeds 450 thousand rubles.

Requirements for borrowers

The state-supported car loan program imposes standard requirements on potential participants. The conditions are almost identical to those put forward by banks when issuing a consumer loan. The borrower must not be older than 65 years, but not younger than 21. It is necessary to have permanent registration at the place where the concessional loan was received. The bank's initial rate on a car loan should not be more than eighteen percent.

The loan must be repaid no later than thirty-six months from the date of issue. The purchased car must be produced no earlier than 2016. Program participants are deprived of the right to receive other preferential loans during the year.

Participants in the First Car program must be no older than thirty years of age. Also, under this program, you must provide a certificate confirming the absence of previously purchased movable equipment (as confirmation that the car is indeed the first).

The Ministries of Industry and Trade, together with the government of the Russian Federation, as promised, are beginning to streamline their developments regarding future measures to support the Russian automotive industry in 2017. However, adjustments to the list of benefits and, apparently, the volume of government funding will occur “along the way,” depending on the current situation. Experts summarize: if the market begins to decline by the end of the year, government support will be strengthened, and if there is no decline, then part of the finances will be directed to other industries.

This uncertainty is due to the fact that opinions on the possibilities of the car market, according to different expert estimates, vary. However, there is no talk of a complete abolition of state support. On the contrary, at the moment 13 government programs have been developed, of which three “new” and one “old” will allow you to take advantage of benefits when purchasing a new domestically produced passenger car or one assembled in Russia. What exactly will the state offer us (perhaps some adjustments will still occur)?

State support programs for the purchase of a new car in 2017

Program " "

It is proposed to spend 6 billion rubles of state subsidies on those cars that will be purchased by novice drivers as their first car. It is proposed to set the discount amount at 60 thousand rubles, which will allow the sale of 100 thousand new Russian-assembled cars within the framework of the program. However, this program also has limitations: the driver’s age must be no more than 30 years, and the cost of the car must not exceed 800 thousand rubles. It is also proposed to compensate the first installment of the auto insurance program.