Requirements and documents for a loan

√ Citizenship of the Russian Federation;
√ Age from 20 years, on the date of loan repayment, age should not exceed 85 years;
√ Official employment (permanent income) at the main place of work for at least the last 4 months;
√ Actual residence in the region where the Bank’s division is present;
√ Permanent registration (at least the last 4 months in the territory of one locality of the Russian Federation);
√ It is prohibited to issue several loans for the purchase of a vehicle within one day.

Documents for granting a loan

√ Passport;
√ Documents confirming deferment from military service / military ID (only for males of military age);
√ For categories of clients: seafarers working on transport or special vessels under contract with shipping companies or crewing agencies, additionally submit one of the following documents:

Certificate in form 2-NDFL / bank account statement confirming receipt of allowance or salary;
- a copy of the service contract / current contract or work book, in the absence of a work book, contracts for the last 6 months.

For modification with a full set of documents, the following is additionally provided:

√ Documents confirming income;
Proof of income from your main place of work is required:

• 2NDFL certificate or certificate in the Bank form / tax return for the past year containing information on income (less expenses) (provided by individuals employed as individual entrepreneurs);
  . 2NDFL certificate confirming part-time income, when it is taken into account in calculating the lending limit;
  . tax return in form 3NDFL indicating income (less expenses) from leasing real estate / vehicle / business activity, when taken into account in calculating the lending limit.

√ Documents confirming employment;
Proof of employment at your main place of work is required:
. a copy of the work record book (certified by a notary or a responsible employee of the HR department of the last place of work);
. GPC agreement (except for agency agreements, if there is no entry in the work book);
. certificate of registration of individual entrepreneurs (provided by individuals employed as individual entrepreneurs);
. a bank account statement confirming receipt of alimony payments and/or a pension certificate and a bank account statement confirming receipt of a pension (provided regardless of the selected modification, when this income is taken into account in calculating the credit limit);

Additional documents:

√ second document of your choice (driver’s license, international passport, Taxpayer Identification Number, military ID, pension certificate).

Insurance

• A CASCO insurance contract can be concluded with any insurance company established in accordance with the legislation of the Russian Federation and carrying out the corresponding type of insurance activity
• Email address for providing a vehicle insurance contract against the risks of “damage” and “theft” (CASCO insurance contract) and a receipt for payment of the CASCO policy:

Dear Clients! When sending a CASCO insurance contract and a receipt for payment for the CASCO policy to the Bank's email address, we kindly ask you to indicate your details in the subject line of the letter, for example:
“Extension of CASCO, Ivan Ivanovich Ivanov, passport: series 0000 number 0000000.”

Reminders

Insurance program AutoZashchita Mini PJSC SK Rosgosstrakh179 KB Rules for insuring financial risks of vehicle owners SPAO RESO-Garantiya385 KB Rules for insurance of financial risks of individuals. persons LLC SK "Soglasie"438 KB Borrower's instructions for insurance of Capital Life Life Insurance LLC207 KB Borrower's instructions for insurance _IJSC "VSK"122 KB Borrower's memo on insurance _Insurance program "Instead of CASCO2"199 KB Borrower's memo on insurance _Insurance program "Instead of CASCO"199 KB Borrower's instructions for insurance LLC IC "Soglasie-Vita"109 KB Borrower's memo on insurance of AlfaStrakhovanie JSC113 KB Rules of voluntary insurance of SK Cardiff LLC616 KB Voluntary insurance programs of SK Cardiff LLC228 KB Voluntary insurance programs of Capital Life Insurance LLC.413 KB

In this part of the article, we will consider various Lada finance loan programs in the context of three leading banking institutions and their conditions. In other words, we will give a complete answer to the question: lada finance on credit: conditions, interest and bank programs.

Rusfinancebank

ST2/(All models)

• The amount of down payment required for making a down payment is from 70%;
• The period for which funds are provided for a car loan can vary from 24 months to 60 months;
• The rate is 8.5%;
• It is a mandatory condition for the borrower to purchase life insurance.

ST (All models)

• The size of the rate according to the down payment ranges, respectively: basic - 17%; 16%; 15%. As part of this car loan program, the RF MMT subsidy program is applied and, as of August 1, 2013, compensation from the base rate is 5.5%. In this regard, the actual interest rates according to the ranges of down payments become as follows: 11.5%; 10.5%; 9.5%;
• It is mandatory to purchase the borrower's life insurance and CASCO insurance.

ST/ LADA Granta with automatic transmission (norm+, luxury), LADA Kalina new automatic transmission (luxury)

• The size of the down payment required varies according to the following range groups: from 15% to 30%; from 30% to 50%; from 50%;
• The size of the rate according to the down payment ranges, respectively: basic - 16%; 15%; 14%. As part of this car loan program, the RF MMT subsidy program is also applied and as of August 1, 2013, compensation from the base rate is 5.5%. In this regard, the actual interest rates under this condition, according to the ranges of initial payments, become as follows: 10.5%; 9.5%; 8.5%;
• The period for which funds are provided for a car loan can vary from 12 months to 60 months;

Standard/(All Models)

• The size of the down payment required varies according to the following range groups: from 15% to 30%; from 30% to 50%; from 50%;
• The size of the rate according to the down payment ranges, respectively: basic - 19.5%; 18%; 17%. As part of this car loan program, the RF MMT subsidy program is also applied, and as of August 1, 2013, compensation from the base rate is 5.5%. In this regard, the actual interest rates under this condition, respectively, according to the ranges of initial contributions, are as follows: 14%; 12.5%; 12.5%;
• The period for which funds are provided for a car loan can vary from 12 months to 60 months;
• It is a mandatory requirement to purchase CASCO insurance.

Standard/ LADA Granta with automatic transmission (norm+, luxury), LADA Kalina new automatic transmission (luxury)

• The size of the down payment required varies according to the following range groups: from 15% to 30%; from 30% to 50%; from 50%;
• The size of the rate according to the ranges of the down payment, respectively: basic - 18%; 17%; 16%. Within the framework of this car loan program, the program of subsidizing the MPT of the Russian Federation is also used, and as of August 1, 2013, compensation from the base rate is 5.5%. In this regard, the actual interest rates under this condition, respectively, according to the ranges of initial contributions become the following: 13%; 11.5%; 10.5%;
• The period for which funds are provided for a car loan can vary from 12 months to 60 months;
• It is a mandatory requirement to purchase CASCO insurance.

Sberbank

Standard/(All Models)

• The amount of down payment required for making a down payment is from 15%;
• It is a mandatory requirement to purchase CASCO insurance.

2 documents/(All models)

• The period for which funds are provided for a car loan may vary in the following ranges: 12 months; from 13 to 36 months; from 37 to 60 months;
• The rate depends on the selected range of loan terms. As part of this car loan program, the RF MMT subsidy program is also applied (for the first two ranges of terms), and as of August 1, 2013, compensation from the base rate is 5.5%. In this regard, the actual interest rates under this condition, according to the ranges of down payments, become as follows: 8%; 9%; 15% (for a car loan for a maximum period, subsidies are not provided);
• It is a mandatory requirement to purchase CASCO insurance.

VTB 24

AutoStandard/(All models)

• The size of the down payment required varies according to the following range groups: from 15% to 25; from 25%;
• The period for which funds are provided for a car loan may vary in the following ranges: 12 months and up to 24 months; from 25 to 36 months; from 37 to 60 months;
• The rate depends on the selected range of loan terms and the size of the down payment. As part of this car loan program, the RF MMT subsidy program is also applied (for the first two ranges of terms), and as of August 1, 2013, compensation from the base rate is 5.5%. In this regard, the actual interest rates under this condition, according to the ranges of initial payments, become as follows: 9%; 9.5%; 15% (for a car loan for a maximum period, subsidies are not provided);
• It is a mandatory requirement to purchase CASCO insurance.

AutoLight/ (All models)

• The amount of down payment required for making a down payment is from 25%;
• The rate depends on the selected range of loan terms. As part of this car loan program, the RF MMT subsidy program is also applied (for the first two ranges of terms), and as of August 1, 2013, compensation from the base rate is 5.5%. In this regard, the actual interest rates under this condition, according to the ranges of initial payments, become as follows: 11.5%; 16% (with a car loan for a maximum period, subsidies are not provided);
• It is a mandatory requirement to purchase CASCO insurance.

AutoExpress/(All models)

• The size of the down payment required varies according to the following range groups: from 15% to 25; from 25% to 40%; from 40%;
• The period for which funds are provided for a car loan may vary in the following ranges: 12 months and up to 36 months; from 37 to 60 months;
• The rate depends on the selected range of loan terms and the size of the down payment. As part of this car loan program, the RF MMT subsidy program is also applied (for the first two ranges of terms), and as of August 1, 2013, compensation from the base rate is 5.5%. In this regard, the base/actual interest rates under this condition, according to the ranges of down payments, become as follows: base - 18%; 17%; 16.5% and actual - 12.5%; 11.5%; eleven%;
• It is a mandatory requirement to purchase CASCO insurance.

AutoExpress without CASCO/ (All models)

• The amount of down payment required for making a down payment is from 30%;
• The period for which funds are provided for a car loan may vary in the following ranges: 12 months and up to 36 months; from 37 to 60 months;
• The rate depends on the selected range of loan terms. As part of this car loan program, the RF MMT subsidy program is also applied (for the first two ranges of terms), and as of August 1, 2013, compensation from the base rate is 5.5%. In this regard, the actual interest rates under this condition, according to the ranges of initial payments, become as follows: 16%; 23% (with a car loan for a maximum period, subsidies are not provided).

Study the programs presented and their conditions and make the right choice.

LADA Finance is a car loan program provided by PJSC AvtoVAZ with the participation of partner banks. This credit program is valid for everyone in the Russian Federation that cooperates with partner banks.

ADVANTAGES OF LADA FINANCE:

• Low interest rates on loans
• Optimal down payment
• Convenient car loan terms
• Quick response on the decision to issue a loan

6 SIMPLE STEPS

Notify the car dealership manager of your intention to buy a car under the LADA Finance program.

Contact a specialist at your partner bank to get a preliminary decision on the possibility of purchasing a Lada car on credit.

If the bank's response is positive, the car dealership manager will open a purchase account for you (for certain configurations, a subsidy is provided by AvtoVAZ OJSC).

Give the received invoice to a specialist in the credit department of your partner bank.

Execute an agreement to purchase a car on credit under the LADA Finance program.

The final stage is payment of the down payment. Now you can PICK UP YOUR NEW CAR!

Program conditions

Read more...

Program	First payment, %	Bank rate, %	Loan term, months	Insurance conditions	Commission
LADA Special	20 - 39	8.9	12-36	CASCO, SG	absent
	from 40	7.9	12-36
LADA Special (FAVORABLE lending)	20 - 39	8.9	12-36	CASCO, SG	absent
	from 40	7.9	12-36
LADA Special 6.9 (Government program)	30 - 39	6.9	12-36	CASCO, SG	absent
LADA Special 6.9 (FAVORABLE lending)	30 - 39	6.9	12-36	CASCO, SG	absent
AutoStandard (Basic conditions)	from 20	16.9	12-60	CASCO	absent
AutoStandard (Government program)	from 0	10	12-36	CASCO	absent
AutoStandard (FAVORABLE lending)	from 0	10	12-36	CASCO	absent
	from 20	16.9	42-60
AutoExpress (Basic conditions)	from 20	16.9	12-60	CASCO	absent
AutoExpress (Government program)	from 20	10	12-36	CASCO	absent
AutoExpress (FAVORABLE lending)	from 20	10 / 16.9	12-36 / 42-60	CASCO	absent
AutoExpress without CASCO (Basic conditions)	from 30	16.9	42-60		absent
AutoExpress without CASCO (Government program)	from 30	10	12-36		absent
AutoExpress without CASCO (FAVORABLE lending)	from 30	10 / 16.9	12-36 / 37-60		absent
Autoexpress (all models) (Basic conditions)	from 30	16.2	37-60	SJ	absent
Autoexpress (all models) (Government program)	from 30	9.5	12-36	SJ	absent
Autoexpress (all models) (FAVORABLE lending)	from 30	9.5	12-36	SJ	absent

To apply for a loan from VTB Bank under the LADA Finance program you must:

• Be a citizen of the Russian Federation;
• Be over 21 years of age and under 60 years of age;
• Be officially employed in the Russian Federation for at least 3 months;
• Have a total work experience of at least 1 year;
• Have an average monthly income of at least 10 thousand rubles;
• Have an average monthly income based on each family member - at least 8 thousand rubles;
• Do not have a negative credit history;
• Do not have children under 6 months (for women).

• You can choose from: international passport, driver's license, insurance pension certificate, TIN certificate;
• Under the AutoStandard program, you must additionally provide a copy of the work book and a certificate of income.

Read more...

Program	First payment, %	Bank rate, %	Loan term, months	Insurance conditions	Commission
(SG 3.9) (Basic conditions)	from 20	16	42-60	CASCO, SG 3.9	absent
(SG 3.9) (Government program)	0 - 29	7.5	36	CASCO, SG 3.9	absent
	from 30	6.9	36
(SG 3.9) (FAVORABLE lending)	0 - 29	7.5	36	CASCO, SG 3.9	absent
	from 20	16	42-60
	from 30	6.9	36
(SG 3.9) (Basic conditions)	from 20	16	42-60	CASCO, SG 3.9	absent
(SG 3.9) (Government program)	0 - 29	7.5	36	CASCO, SG 3.9	absent
	from 30	6.9	36
(SG 3.9) (FAVORABLE lending)	0 - 29	7.5	36	CASCO, SG 3.9	absent
	from 20	16	42-60
	from 30	6.9	36
(SG 3.9) without CASCO (Government program)	from 30	9.7	36	SZh 3.9	absent
(SG 3.9) without CASCO (FAVORABLE lending)	from 30	9.7	36	SZh 3.9	absent
(SG 3.9) without CASCO (Government program)	from 30	9.7	36	SZh 3.9	absent
(SG 3.9) without CASCO (FAVORABLE lending)	from 30	9.7	36	SZh 3.9	absent
SG 3.9 (confirmation of income) (Government program)	from 0	6	36	CASCO, SG 3.9	absent
SG 3.9 (confirmation of income) (FAVORABLE lending)	from 0	6	36	CASCO, SG 3.9	absent
ST (Basic conditions)	20 - 29	17	42-60	CASCO, SG	absent
	30 - 49	16	42-60
	from 50	15	42-60
ST (Government program)	0 - 29	10.3	24-36	CASCO, SG	absent
	30 - 49	8.8	24-36
	from 50	7.8	24-36
ST (Basic conditions)	20 - 29	17	42-60	CASCO, SJ	absent
	30 - 49	16	42-60
	from 50	15	42-60
ST (Government program)	0 - 29	10.3	24-36	CASCO, SJ	absent
	30 - 49	8.8	24-36
	from 50	7.8	24-36
ST (FAVORABLE lending)	0 - 29	10.3	24-36	CASCO, SJ	absent
	20 - 29	17	42-60
	30 - 49	8.8 / 16	24-36 / 42-60
	from 50	7.8 / 15	24-36 / 42-60
Standard (Basic conditions)	from 20	18	42-60	CASCO	absent
Standard (Government program)	0 - 29	10.2	24-36	CASCO	absent
	30 - 49	10.2	24-36
	from 50	10.2	36
Standard (FAVORABLE lending)	0 - 29	10.2	24-36	CASCO	absent
	from 20	18	42-60
	30 - 49	10.2	24-36
	from 50	10.2	36
Standard (Basic conditions)	from 20	18	42-60	CASCO	absent
Standard (Government program)	0 - 29	10.2	24-36	CASCO	absent
	30 - 49	10.2	24-36
	from 50	10.2	36
Standard (FAVORABLE lending)	0 - 29	10.2	24-36	CASCO	absent
	from 20	18	42-60
	30 - 49	10.2	24-36
	from 50	10.2	36
Standard without CASCO (Government program)	from 30	10.2	24-36		absent
Standard without CASCO (FAVORABLE lending)	from 30	10.2	24-36		absent
Standard without CASCO (Government program)	from 30	10.2	24-36		absent
Standard without CASCO (FAVORABLE lending)	from 30	10.2	24-36		absent

To apply for a loan from Rusfinance Bank under the LADA Finance program, you must:

• Be a citizen of the Russian Federation;
• Be registered in the region where the application is submitted;
• Be over 23 years of age and under 65 years of age (at the time of loan repayment);
• Be officially employed in the Russian Federation for at least 4 months;
• Have at least two contact numbers.

What documents do you need to have to apply for a loan:

• Russian passport (required);
• To choose from: international passport, military ID, driver’s license, insurance pension certificate, TIN certificate.

Read more...

Program	First payment, %	Bank rate, %	Loan term, months	Insurance conditions	Commission
Classic (Basic conditions)	20 - 39	18	42-60	CASCO	absent
	from 40	17.67	42-60
Classic (Government program)	20 - 39	11.08	24-36	CASCO	absent
	from 40	11	24-36
Classic (FAVORABLE lending)	20 - 39	11.08 / 18	24-36 / 42-60	CASCO	absent
	from 40	11 / 17.67	24-36 / 42-60
Classic without CASCO (Government program)	from 30	11.08	24-36		absent
Classic without CASCO (FAVORABLE lending)	from 30	11.08	24-36		absent

In the article:

Government car loan programs help citizens purchase a new car on favorable terms. In 2018, you can buy a Lada Vesta under the state program with a discount or zero interest rate. In 2018, there are two state programs under which you can purchase cars from AvtoVAZ.

Conditions for purchasing Lada Vesta on credit

In 2018, there are two state programs for the purchase of Lada Vesta - this is the family car project and the first car project.

An adult citizen of the Russian Federation with a valid driver's license can buy a Lada Vesta under the state program. The buyer must not have any existing or paid off auto loans in the current year.

• An individual with two or more minor children can buy a Lada Vesta under the state family car program. To confirm this fact, when applying for a loan, you will need to provide their birth certificates or your own passport in which the children are entered.
• You can buy a Lada Vesta as your first car under the state program as your first car. The project is designed to allow you to purchase your first personal vehicle.

Obtaining a CASCO insurance policy is mandatory in any case and is issued at the buyer’s expense. You can buy a Lada Vesta under the state program only on credit. State projects are not designed for the purchase of property for cash and are designed for citizens to purchase exclusively new cars produced in Russia. You can only buy cars manufactured in 2016/2018. The buyer has the right to independently choose the equipment of the desired car model.

Keep in mind that when issuing a loan under the state program for the purchase of a Lada Vesta as their first car, the company relies only on the conscience of the buyer. Banks will be able to check whether a consumer has loans for the purchase of a vehicle for any period, but they will not be able to find out the number of cars owned by a particular person. Giving false statements does not entail liability under the terms of the loan agreement for the purchase of a new car.

Parameters of the state program in 2018

When purchasing a Lada Vesta of any configuration under the state program available in 2018, the buyer receives a 10% discount. The car will definitely cost less, you can save 55,490 rubles on a basic Lada Vesta, and the maximum benefit on a fully equipped Lada Vesta is 78,840 rubles.

You can get a Lada Vesta on credit without a down payment or you can pay any possible amount up to 90% of the purchase price.

The repayment period for a car loan under the state program in 2018 can be from 1 to 5 years. The interest rate depends on the bank through which the loan is issued. For a down payment of more than 10% of the cost of the car, the rate at some banks may be 0%. State programs for purchasing Lada Vesta on credit allow you to purchase a car at a very favorable price on the best terms.

You can get a loan for a Lada Vesta car under the state program at any AvtoVAZ dealer in the desired region of the country.

Conclusion

In addition to the Lada Vesta, other cars of domestic and foreign production can be purchased under the 2018 state program, provided that they are assembled exclusively at factories in Russia. Each government program has restrictions on the number of cars sold. So, if the permissible number of cars is issued on credit before the completion date of the project, then this program will cease to operate ahead of schedule.

Russians with average incomes buy domestically produced cars. Not everyone has enough money to buy a foreign car. Therefore, the main choice in Russia falls on the well-known AvtoVAZ. But at this plant it is also impossible to buy a car that is too cheap. Therefore, future car owners are looking for ways to buy a car inexpensively, including the Lada Vesta. Let's find out what AvtoVAZ promotions currently exist and how you can save on buying a modern new car.

Family car program

The maximum benefit can be obtained through the state program, which is designed for a first and family car. This opportunity allows you to buy a Lada car and receive a 10% discount on the full price. In this case, a car loan is issued in a preferential form without a mandatory down payment.

You can use the programs if you have a valid driver’s license and no other car loans for the past or current year. The condition for purchasing a first car under the program is that you have never owned a car. You can also buy a “Family Car” if you have more than two children under 18 years of age. In this case, the bank must present the children’s birth certificates or the passport in which they are registered.

For example, if you purchase a new Lada Granta, the benefit can be up to 83 thousand rubles. It depends on the selected vehicle configuration. If you buy Vesta SV Cross, then the benefit is even greater, and in the maximum configuration it will be about 160 thousand rubles. For other cars the prices are comparable to those listed; the more expensive, the greater the benefit. Details can be found at the AvtoVAZ dealership or showroom at your place of residence.

Lada Finance

The Lada Finance car loan program is carried out by the AvtoVAZ plant together with partner banks. You can buy a car under the Lada Finance program at an official dealer showroom in any region of Russia where there are offices of partner banks.

Benefits of the program:

1. The loan rate is lower than the main offers of partner banks.
2. Small down payment.
3. Convenient loan terms.
4. Quick decision on granting a loan.

How Lada Finance works

To take advantage of this car loan program, you need to follow 6 simple steps:

1. Select a car. Visit the official Lada dealer showroom in your region and choose a car.
2. Notify the seller. Tell the dealership consultant that you are buying a car through the Lada Finance program.
3. Assess opportunities. Contact the partner bank with a request for a loan under this program and wait for a preliminary decision.
4. Get an invoice. If the decision is positive, you will receive an invoice for the purchase from the dealership specialist, taking into account the provision of a subsidy from the AvtoVAZ plant. It is issued for a specific configuration.
5. Transfer the account to the bank partner. Give the finished invoice to a loan processing specialist.
6. Registration of the contract. Contact your partner bank to complete documents for a loan under the Lada Finance program.

Program conditions

If you carefully study the rules of this program, you will see the following. Loans are issued in the following banks:

1. Sovcombank.
2. Setelem Bank.
3. Rusfinance Bank.

Of these, the first payment is zero under certain conditions only at Sovcombank. Other banks do not have a zero fee. Bank interest rates for car loans range from 11.5 to 16.8%. Loan terms can be chosen from 6 months to 6 years.

In some cases, compulsory life insurance, a CASCO policy, or both are required. Therefore, when concluding a contract, you need to carefully read the terms and conditions. For such purposes, it is better to take with you an experienced person who knows all the intricacies of car loans.

Requirements and documents

Each bank has its own requirements for the provision of documents and other conditions.

Bank	Requirements for loan applicants	Required documents
Sovcombank	Citizenship of the Russian Federation, permanent registration, age 20-65 years, employment for at least 3 months	Russian Federation passport, application, copy of the passport, one of the documents: international passport, car license, SNILS, INN, military ID. Certificate of income, copy of work record book
VTB	Citizenship, registration, age 21-60 years, work experience for more than a year, income more than 10 thousand rubles	The list of documents does not differ from the previous bank, only a military ID is missing
Setelem Bank	Citizenship, registration, age 22-65 years, work experience more than 3 months	All papers are the same as those of Sovcombank
Rusfinance Bank	Citizenship, registration, two phone numbers, work experience more than 4 months, age 23-65 years	All the listed documents are required, except income certificates

Lada in a taxi

The program provides for the expansion and renewal of the taxi fleet for new and existing Yandex Taxi partners located in Russia. It applies to almost all brands of cars produced by AvtoVAZ.

You can buy a car under the “Lada in Taxi” program at an official dealer’s showroom through a leasing company or under a contract. You need to select a car, notify the seller about it, and receive confirmation that you are a Yandex Taxi partner. To do this, you need to provide the service contract number, as well as the CLID number. After this, all that remains is to formalize the contract and receive the car at the LADA dealer showroom.

Program conditions

Buyers can be legal entities and businessmen who have registered individual entrepreneurs and are partners of Yandex Taxi. The program is valid in all regions of Russia where there is a Lada dealer. Special conditions are provided for new Lada models. The validity period of this program changes periodically and may be extended. Details can be found at the dealership.

Trade-in program

Trade-in is a fast and convenient way to exchange a used car for a new car. To do this, you don’t need to think about how to sell a car. Lada dealership workers will take care of this problem. In addition, Trade-in participants will receive a favorable offer to purchase a new car.

List of documents required from the buyer:

1. Russian Federation passport.
2. The original title, in which the vehicle has been owned for more than 6 months.
3. Original registration certificate.
4. A copy of the PTS of an old car.
5. Document on registration of a used car for the consumer.

Documents from the car dealership:

1. Contract of sale.
2. The act of acceptance and transfer.

These offers may be limited in time and number of cars. Details should be clarified with the Lada dealer employees.

Loan with buyback

AvtoVAZ offers customers the opportunity to take out a car on credit with the option of repurchase. Favorable car loan conditions and Buy Back are a unique offer from a Lada dealer. The program was created with the joint participation of VTB Bank, and is valid for Lada X-Ray, Vesta, Granta cars. However, conditions are subject to change and it is recommended that you check with your authorized dealer.

For example, for a Lada XRay car, the terms of the car loan and the calculation may be as follows:

1. The cost of the car is 609 thousand rubles.
2. Loan term – 3 years.
3. Down payment – ​​56.2%.
4. Interest rate – 13.1%.
5. The amount of the last payment is 40%.
6. Monthly payment – ​​3 thousand rubles.

At the end of the program, the car owner can:

• pay the rest and take the car to yourself;
• give the car to a car dealership for half the price and buy a new car;
• extend payment terms.

The Lada dealer makes maximum use of market tools that attract customers. The average time to own a car purchased new in Russia is 4 years. Therefore, AvtoVAZ is introducing a Buy Back system for new Lada models. The system is convenient for customers who frequently update cars and buy new models.

Lada in Leasing

This is a quick and convenient way to buy a Lada car for business, saving working capital. You can choose a convenient leasing and payment term, get a quick decision with a small package of documents. Leasing participants from a Lada dealer have the right to include accessories and insurance in payments. Legal entities and individual entrepreneurs can become participants.

Partners of Lada Leasing:

1. LC Europlan.
2. CONTROL leasing.
3. Baltic leasing.
4. Reso-Leasing.
5. Sberbank Leasing.
6. VTB Leasing.
7. Major Leasing.

You can buy a car under the Leasing program at Lada car dealerships in regions of the Russian Federation where there are representative offices of partners. It is enough to inform the seller, wait for approval, draw up an agreement and receive the car.

Advantages of the Leasing program:

1. Preservation of working finances.
2. Optimization of income taxes.
3. VAT return.
4. Using accelerated depreciation, reducing property taxes.
5. Possibility of recording a car on the balance sheet of the Lessor or recipient.
6. Opportunity to get a car at the lowest cost at the end of the Leasing program.

EcoGas program

AvtoVAZ invites customers to take advantage of an advantageous offer under the terms of the Ecogas program, which was created by the Russian Government. It was approved by Resolution No. 667 of July 12, 2016. According to the document, the AvtoVAZ plant, which produces cars running on natural gas, is provided with subsidies. The same benefits are provided to other similar enterprises in Russia.

The Lada Largus and Vesta models fall under the Ecogas program. The maximum benefit that can be received under the EcoGas program is 115 thousand rubles.

Other AvtoVAZ promotions

From time to time, the plant holds seasonal promotions for certain car models. For example, a discount may be provided in a certain month on XRay Cross, Lada Vesta SV Cross. Cars can be sold under the Lada Leasing program with a profit of up to 40 thousand rubles. Spring and autumn sales are held.