The loan program for the purchase of a car with state support has been in effect since 2015. Its essence is that citizens who purchase cars of certain brands and models and meet the conditions of one of the programs are provided with subsidies from the federal budget to reduce the interest rate or a one-time discount of 10% of the cost of the car.

Program participants do not receive funds directly. The program has two goals: to stimulate automobile production in the country and to provide high-quality transport to those citizens who would find it difficult to buy it on their own.

The state program does not apply to all cars, but only those that meet the following conditions:

• cost - no more than 1.5 million rubles;
• produced only in Russia;
• release date - no later than 2016-2017;
• permitted maximum weight - no more than 3.5 tons;
• the car is purchased only from official dealers;
• The car did not previously have registration records and did not have an owner as an individual.

State programs for purchasing a car

Since the target audience of the preferential lending program is people of different social and family status, several programs have been developed with different conditions for participation.

"Your own business"

It has been in effect since June 2017 and is aimed at supporting small and medium-sized businesses. Entrepreneurs and legal entities can receive a discount when leasing domestically assembled cars, the maximum amount being 12.5%.

The car must be manufactured no later than 2017 and be equipped with GLONASS. The duration of the leasing agreement is from 1 to 3 years, down payment amount - from 10 to 50%. The maximum subsidy for one object of the leasing agreement is 625 thousand rubles.

We talked more about the state program “Your Business” in.

"First car"

Valid since 2017 and applies to those who have not yet owned a car, while the presence of a moped or motorcycle will not be an obstacle to participation. The applicant will be given a discount of 10% of the cost of the car; it can only be received once in a lifetime. The subsidy can be used as a down payment or to reduce the amount of your car loan.

If a car is purchased for cash, you cannot participate in the program. It should be borne in mind that the budget allocated for subsidies is limited; when it is exhausted, this state program for the current year will cease.

"Family Car"

This program was launched in 2015, allowing families with at least two minor children to receive a 10% discount. At the same time, the maximum cost of the purchased vehicle is 1.45 million rubles. The subsidy is paid only once for each parent, that is, both mom and dad can afford a car under this state program.

The discount is only available when purchasing a car on credit, It can be used both as a down payment and to pay off part of the debt. The maximum down payment amount under the program is 85% of the cost of the car. Unfortunately, in 2018 the budget allocated for the program was almost exhausted.

Important! If the borrower meets the conditions at the same time, you cannot use both of them; you will have to choose only one.

Terms

Conditions of the “Own Business” program for purchasing a car:

1. the applicant is a legal entity or individual entrepreneur, a representative of a small and medium-sized business;
2. income must be sufficient to repay payments under the leasing agreement;
3. good credit history, without outstanding debts or cases of long-term arrears.

Conditions of the state program “First Car”:

1. the applicant has not previously owned a car; the presence of a motorcycle or moped is not an obstacle;
2. category B license;
3. citizenship of the Russian Federation;
4. good credit history;
5. constant income, work experience at the last place of work for at least 6 months.

Terms and conditions of the Family Car program:

1. two or more children under 18 years of age;
2. driver's license category B;
3. absence of other cars purchased on credit in 2017-2018;
4. citizenship of the Russian Federation;
5. good credit history;
6. official employment, at the last place of work for at least 4 months.

List of salons and banks where you can take out a loan

To apply for a loan with help from the state, you can contact several banks:

Each of these credit institutions has a list of partner car dealerships, which is periodically updated or supplemented; current information can be found on the website of a specific bank. Another option is to contact a dealership that sells a car brand that participates in government-supported lending and find out which banks they cooperate with.

What cars are eligible for the benefit?

• Hyundai: Hyundai Solaris, Elantra, i40, Tucson, Creta;
• KIA: Kia Rio, Cerato;
• Renault: Renault Duster, Kaptur, Logan, Sandero, Sandero Stepway;
• Mazda: 6, CX-5;
• Nissan: Almera, Terrano, Qashqai, Sentra;
• Ford: Focus, Mondeo, Ford Kuga, EcoSport, Fiesta;
• Skoda: Skoda Octavia, Superb, Octavia Combi, Yeti, Skoda Rapid;
• Toyota: Camry, RAV4;
• Lifan: Smily, Solano, X50, X60;
• UAZ: UAZ Patriot, Hunter, Pickup;
• AvtoVAZ: Lada Kalina, Granta, Vesta, Largus;
• Chevrolet Niva;
• Citroen C4 sedan;
• Datsun: mi-do, on-do;
• Mitsubishi Outlander;
• SsangYong Actyon;
• Geely: Emgrand7, GT, X7;
• Volkswaggen: Polo, Jetta, Tiguan.

Registration procedure

For that To take out a car loan with government support, you just need to follow a few simple steps:

List of required documents

1. Application for a car loan with state support.
2. Passport of a citizen of the Russian Federation.
3. Driver's license.
4. Certificate 2-NDFL, which contains information about wages.
5. Documents confirming the possibility of participation in the selected state program:
   • for the “First Car” program - a certificate from the traffic police confirming that the applicant does not own a car;
   • for “Family car” - birth certificate of two or more children;
   • for “Own business” - an extract from the Unified State Register of Legal Entities or Unified State Register of Individual Entrepreneurs.
6. A certified copy of the employment contract or work record book.

Pros and cons

In fact, there is one plus and it is very significant: the possibility of obtaining a car loan at a significant discount For some families, this is the only way to get a modern, safe and comfortable car.

The program has enough disadvantages:

• limited selection of car brands and models, there is a price ceiling;
• Receiving a preferential car loan is not available in all banks;
• the program ends for each year when the budget runs out, so you may simply not be able to make it in time;
• You cannot use government support if you buy a car with your own funds;
• additional costs for the borrower's life insurance and CASCO insurance.

What other programs are there?

For those citizens who do not qualify for one of the government-supported lending programs, there is the opportunity to take advantage of a subsidy under another program.

Disposal

The project began in 2010. Owners of cars, trucks, special equipment and buses can hand over their old car and receive a discount from 50 to 350 thousand, depending on the make and model.

The car can be of any year, brand and country of manufacture, but all technical components and assemblies must be available. Received money can only be spent on a new Russian-assembled car.

We invite you to watch a video about: while residents of not all regions can, at the federal level a bill allowing this has not been adopted. Not all families will be able to add family capital to purchase a new car, but only those with many children or those raising a disabled child after the second or subsequent child turns 3 years old.

The car must be new, domestically assembled, and be registered as joint shared ownership with the child. It cannot be sold for 3 years after purchase.

The car loan program with state support has been in effect relatively recently and is designed to fulfill two main goals: stimulating demand for cars produced in Russia and providing citizens with new, high-quality and safe cars. The stable demand for participation in state car loan programs shows that despite some disadvantages, this offer is relevant for many Russians.

Main programs: will help you purchase your first car, as well as family transport for parents with two or more children. The government discount will be 10%.

aimed at small and medium-sized businesses, it provides a discount of up to 12.5% ​​on leasing a car.

There are also recycling programs; a car can be traded in, and in some regions you can spend part of your maternity capital on it. With state support, you can only purchase new Russian-assembled cars produced no later than 2016-2017.

I thought I couldn't afford to buy a new car, but I ended up buying it.

anonymous motorist

First, I chose a used foreign car and read a bunch of articles about the shortcomings of different models. Closing another pop-up window with a used car for the price of a one-room apartment, I decided to look at new Russian cars.

Lada is, of course, not a Mercedes, but it will withstand three years of use. Therefore, I found out about government support, studied loan offers and drove my Lada Vesta straight from the car dealership, which I don’t regret yet.

Therefore, I will tell you how to buy a new car with the help of the state and a consumer loan and not overpay.

Voice from the bank: a lot of loans

To buy a car, the author of this article used not only a car loan: he made part of the down payment for the car using a consumer loan. A car loan gave the author the opportunity to receive support from the state, and a consumer loan - to take out a car loan on favorable terms. After buying a car, the author combined the loans into one and was able to reduce the monthly payment burden.

Whether it is profitable to take out several loans at once in order to pay off one another is debatable. The author himself believes that a consumer loan for a car loan should be taken out only if you do not have enough funds for the down payment. Otherwise, the loan will only cause harm.

The editors agree. Better save up

Find out if you are eligible for a subsidy

The Russian Federation has a preferential car loan program: the state compensates part of the costs of a car that a car owner buys on credit. The program has been in effect since 2015 and will remain in effect until 2020, unless they decide to extend it. To qualify for the subsidy, you must meet certain requirements. There are many of them.

The state will help you buy a car if:

1. You are purchasing a car for a family with at least two minor children.
2. This is your first car, that is, no other cars have been registered in your name.

The state will not help the rest. I didn’t own a car, so I fell under the program. These are not all the requirements that need to be met to receive government support. There are others - general ones.

Credit. You must buy a car on credit, and it must be a car loan, not a consumer loan. With a car loan, the car is pledged to the bank until it is fully repaid. It's like a mortgage, only for a car. The loan term is no more than three years.

Russian citizenship and driver's license. The borrower must have Russian citizenship and a Russian driver's license.

No other car loans. In the year of purchase of the car, the borrower must not have other loan agreements for the purchase of the car.

Receiving a subsidy itself is very simple: just inform the credit manager of your desire and sign the proposed form.

Choose a car and decide on a loan

Not just any car can be bought with government support. The requirements for the vehicle are quite strict, but in my case they were of a formal nature due to a limited budget:

1. The car must weigh up to 3.5 tons and be assembled in Russia - the Kaluga Volkswagen Tiguan meets the requirements.
2. Year of manufacture - 2017 or 2018, and if the car is 2017, then the title must be issued no earlier than December 1.
3. Price - up to 1.45 million rubles.
4. The car must be from a dealership and not by trade-in.

I settled on the Lada Vesta because of the price: 677,900 rubles at the time of purchase. Kia Rio and Hyundai Solaris in comparable trim levels were at least a hundred thousand more expensive. I didn't want to overpay that amount. Plus, the station wagon body captivated me. I didn’t consider the Chinese auto industry at all.

Assessment of financial capabilities. I have taken out loans more than once and I know that this is a big burden. Therefore, before buying a car, I calculated everything so as not to overpay later.

I had an old Samara, which was registered to my father, and a white salary. I sold Samara for 120 thousand rubles, and the white salary helped me get a loan with a good interest rate.

Despite a subsidy from the state in the amount of 10% of the cost of the car - almost 68 thousand rubles, I did not have enough money. At the time of purchase, I did not know that in order to participate in the state support program it was necessary to take out a car loan, so in January 2018 I decided to take out a consumer loan in the amount of 490 thousand rubles at 13.75% per annum. I did not indicate the purpose of the loan, just for personal needs.

Later, at the car dealership, I found out that the car in the configuration and color I needed was not available. It had to be ordered and waited 2-3 months. And to receive a subsidy, it was necessary to take out a car loan directly at the dealership, so that the dealership, the bank and other participants in the chain would benefit. Moreover, a prerequisite for concluding a car loan agreement is the purchase of a comprehensive insurance policy. Considering that I would have taken out comprehensive insurance for a new car in any case, this did not upset me much.

I put the consumer loan in the box, ordered a car and waited for the manager to call. While I was waiting, I was already paying RUB 11,410 per month under the loan agreement.

Prepare documents at the car dealership

April has arrived. I was finally invited to the car dealership to complete the paperwork.

When concluding a car loan agreement, another surprise awaited me. It turns out that banks have a concept of a minimum amount that they are willing to provide on credit when buying a car. That is, you won’t be able to take out a fictitious car loan for 10 thousand rubles.

They explained to me the conditions for concluding a loan agreement for 300 thousand rubles. Taking into account the bank’s requirement for a minimum amount and my consumer loan, I bought the car under the following conditions:

1. Car loan in the amount of 303,823 rubles at 15.5% per annum with a monthly payment of 7,310 rubles.
2. Casco for cash - 18,972 rubles.
3. Maximum down payment for a car: 417,790 rubles, taking into account a subsidy of 67,790 rubles.

I have 200 thousand rubles left from the first loan. Here I would like to note that without a consumer loan, I would basically not be able to buy a car. With his help, I was also able to make the maximum down payment on my car loan.

In total, I paid 18,649 rubles a month for a new car under two loan agreements.

Return insurance

Of the 300 thousand rubles of borrowed funds for a car loan, 43,713 rubles were insurance and SMS information. I decided to refuse them and terminated the life insurance and GAP insurance contracts. By law, this can be done during the so-called “cooling off period” - the time when the policyholder has the right to cancel the contract and return the insurance premium in full. from the moment of conclusion of the contract.

With life insurance it is clear: in addition to commissions from the insurance company, the bank receives confidence that nothing will happen to the borrower and that he will repay the loan on time. GAP insurance service. allows the client, in case of loss of the car, to receive compensation for the difference between its original cost and the amount of compensation under comprehensive insurance.

It is best to send the documents to the insurance company by registered mail with a list of the contents. Such a letter will confirm exactly what and when you sent. You can also take the documents to the insurance company branch yourself and ask the employee to put a stamp on your copy indicating receipt of the application. But registered mail is a less time-consuming method, so I settled on it.

Each application must be accompanied by a copy of the insurance contract and a copy of your passport. In order for the insurance company to transfer money to the card, you must indicate in the application the details for transferring the payment.

30 days after the insurance company received my applications, 100% of the cost of insurance was returned to my card: 12,202 rubles for GAP insurance and 27,311 rubles for life insurance.

Combine loans if there are several of them

If for some reason you had to take out several loans to buy a car, they should be combined into one consumer loan. This became my next goal.

To do this, in August 2018, I submitted an application to the bank and selected the best consumer loan terms for myself. I had to take out a loan for a million rubles, but with a fixed interest rate of 11.7%. I again collected certificates from the employer and agreed to insurance for 5,300 rubles. It included protection of loved ones, protection of funds on bank cards and protection of the home.

I told the loan specialist everything as it is: that I was taking this amount to repay loans from other banks taken out at a higher interest rate. I don’t know whether this played any role, but I received the loan. My credit load temporarily increased by another 22,210 rubles per month.

I immediately repaid my previous loans: I paid 450 thousand rubles for a consumer loan and 250 thousand for a car loan. And he wrote another application: for a refund of 4,200 rubles for SMS notification under a car loan agreement. This was the last return for imposed services.

In total, I spent 700 thousand rubles out of the million I received to pay off previous contracts. I have 540 thousand rubles left: 300 thousand unused funds from the last loan, 200 thousand from the first consumer loan and 40 thousand insurance returns.

I couldn’t resist and left 200 thousand rubles for personal needs so that I could finally finish the repairs. The balance of 340 thousand rubles was used for early repayment of the loan.

How much did my car cost in the end?

At the time of writing, I have the car I want, my house is in order and a loan in the amount of 660 thousand rubles.

As of December, we can say that taking into account 120,000 rubles from the sale of the old car, I have already paid 286,886 rubles for the car under three loan agreements before and after refinancing. I returned the money for insurance.

Now I continue to pay 14,568 rubles per month. If I had not decided to complete the repairs, the monthly payment would have been 10,149 rubles. It's not cheap, but I bought it myself.

Briefly: where did I get the money and where did it go?

The cost of a new car is 677,900 RUR.

My preliminary calculations in January 2018:

• own funds - 120,000 RUR;
• subsidy - 67,790 RUR;
• consumer loan - 490,110 RUR, payment 11,410 RUR / month.

I bought a car in April 2018.

Spent:

• for comprehensive insurance - 18,972 RUR;
• for compulsory motor liability insurance and registration - 6000 RUR;
• for repayment of a consumer loan for 3 months - 34,022 RUR.

I took out a car loan for 303,823 RUR, payment 7310 RUR/month.

Returned money:

• for life insurance - 27,311 RUR;
• for GAP insurance - 12,202 RUR.

There are 201,115 RUR left on hand, loan payments are 18,649 RUR/month.

I decided to refinance my loans in August 2018 and took out a large loan - 1,000,000 RUR, payment 22,210 RUR / month. plus insurance 5300 RUR.

Spent:

• for repayment of consumer loans and car loans for 4 months - 74,596 RUR;
• to repay a consumer loan - 450,000 RUR;
• for the return of the unused part of a large loan and its partial repayment - 340,628 RUR;
• to repay a car loan - 250,000 RUR;
• left for repairs - 200,000 RUR.

After refinancing I got my money back for SMS notification- 4200 RUR.

It remains to pay on loan 659,372 R, payment 14,568 R per month.

Remember

1. Before taking out a car loan, check whether you qualify for a subsidy. The conditions are difficult.
2. It is worth taking out several loans only when it is profitable and not financially burdensome. Sometimes there are no other options to buy a car.
3. As soon as possible, refinance your loan with a bank with a lower interest rate.
4. Refuse all imposed insurance and unnecessary SMS informing. This can be done during the cooling-off period without any penalty.

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 among 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 "rogues" 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 manual 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.

At dealership centers that are part of the AutoSpetsCenter Group of Companies, you can purchase cars using the state program for subsidizing car loans in 2017.

Car loan with state support 2017 – conditions

The state program for subsidizing car loans, effective in 2017, is a special program developed by the state to maintain demand for domestically produced cars (including Russian-assembled foreign cars). In 2016, thanks to state support for car loans, 737 thousand cars were sold. In 2017, about 10 billion rubles will be spent to finance the program. It is expected that it will be possible to sell at least 350 thousand cars. Under the terms of car loans under the 2017 state program, you can purchase cars in different trim levels, and not just the basic one, as was previously the case.

Advantages of the state support program for car loans

Customers purchasing a car under the state program for subsidizing car loans are provided with an additional discount and special conditions. The state takes responsibility for compensating the borrower for part of the payments on the car loan, thanks to which the buyer will pay interest less than the Central Bank refinancing rate. For example, if the standard interest rate is 15.5%, then if you participate in the state program, the rate can be reduced to 10%. The maximum discount on preferential car loans cannot be more than 6.5% of the loan rate.

Conditions of state support for car loans 2017:

• You can only purchase a new passenger car (2016 or 2017) on credit at an official dealership, manufactured in the Russian Federation;
• the maximum cost of a car under the terms of the program is 1.45 million rubles;
• loan term – up to 3 years (the car is collateral for the loan);
• the interest rate was reduced to 6.5% (relative to the bank interest rate).

Car loan with state support - a list of cars that can be purchased at ASC Group car dealerships:

• Hyundai Solaris and Hyundai Creta;
• KIA Cee'd, KIA Rio and KIA Soul;
• Nissan Almera, Nissan Note, Nissan Tiida and Nissan Qashqai;
• SKODA Rapid, SKODA Octavia and SKODA Yeti;
• Volkswagen Polo;
• Mazda3;
• Citroen C-Elysee and Citroen C4;
• Peugeot 301 and Peugeot 408;
• Mitsubishi Lancer.

When applying to a bank to obtain a car loan, you need to clarify the list of required documents and familiarize yourself with the requirements for borrowers. Requirements may vary slightly depending on the bank you choose.

Requirements for borrowers:

• age from 21 to 65 years;
• citizenship of the Russian Federation;
• availability of Russian registration;
• official employment;
• work experience – at least three months;
• down payment amount – from 15%;
• positive credit history.

Car loan with state support 2017 – list of banks:

• VTB 24;
• Sberbank;
• Rosselkhozbank;
• Bank of Moscow;
• UniCredit Bank;
• Rosbank;
• other credit organizations.

Car loan with state support 2017 – calculator (calculate interest rate):

The state support program for car loans does NOT create clear loan conditions applicable to all cases. There are only certain requirements for calculating the interest rate, which depends on the refinancing rate of the Central Bank of the Russian Federation.

C – borrower’s interest rate,

D – current interest on this type of lending,

R – established refinancing rate of the Central Bank of the Russian Federation.

Before you take out a car loan, you need to think about what advantages and disadvantages the government car loan support program has.

Advantages of a car loan with state support:

• the opportunity to purchase a car on credit at a reduced interest rate;
• a large selection of banks participating in the preferential car loan program;
• small down payment - from 15% of the cost of the car.

Disadvantages of a car loan with state support:

• limited loan period – up to 3 years;
• restrictions on the cost of a car - up to 1.45 million rubles;
• the opportunity to buy only a new car;
• the opportunity to take out a car loan only in Russian rubles.

A car loan with state support was developed at the federal level. Thanks to preferential conditions, car loans can be available to almost every Client who has a permanent job and receives a stable salary sufficient to repay the loan regularly and in the established amounts.

Application for a car loan with state support

A car loan is funds provided by a bank for... It is not at all necessary to make a down payment (only the bank sets the conditions), and the lending percentage will be reasonable. Also, a car loan can be classified as a group of consumer loans; it is a subtype of them. If the bank has approved the loan, then the funds can only be spent on a specific car. Moreover, the borrower will not receive the money in hand; it will immediately go to the seller’s account.

The loan can be taken in the amount of either a partial cost of the vehicle or the full amount. If the car was purchased with credit funds, then until the full amount is paid to the bank, the owner cannot donate, sell or simply exchange the car. This cannot be done without the bank's permission. In order for the bank to have at least some guarantees, the bank keeps the registration certificate. If the entire debt is paid, the owner has the right to receive a certificate.

It is important to know that if a person buys a car, then he must also purchase an MTPL policy.

Car dealerships can be directly involved in issuing loans. This way, the car dealership can draw up an agreement with the bank, which will allow them to issue a loan in the future. In this case, there will be too much paperwork that the buyer must do.

Car loans are very popular. It is enough to deposit the initial amount, which usually ranges from 20 to 30%, the rest will be done by the bank with which the agreement was concluded. A car loan has a lot of positive aspects:

1. The purchase can be completed in a short period of time. Usually the bank issues a loan quickly enough, a couple of days are enough to consider it.
2. You can choose any car. The more equity the buyer has, the more expensive the vehicle can be purchased.
3. Funds are protected. The buyer's debt will be fixed and will not be linked to inflation.

Features of car loans with state support

In 2020, the state offers two lending programs. One of them is a car loan with state support. It is a loan given by a bank on preferential terms. The main principle of the proposed preferential loan is that the state pays 2/3 of the loan refinancing rate. In principle, the result is a fairly acceptable amount that the borrower himself must pay. A car loan under the state program has advantages.

1. Any citizen has the opportunity to buy a car at a lower cost.
2. Banks have the benefit of their own development and the opportunity to earn money.
3. Dealers are encouraged to increase sales.
4. With an increase in demand for the purchase of a car, the state begins to develop the automobile industry more.

Of course, any type of lending has both its positive and negative sides.

1. When issuing loans, the bank must be sure that the person is solvent. To do this, you need to provide a number of documents that prove that the client has a large salary, and a white one at that. Work experience in one place is also taken into account.
2. The client will have to pay for the insurance themselves, since the state pays only part of the cost of the car itself.
3. You have less time to repay a car loan than when taking out a regular loan.

Conditions for receiving benefits

Any citizen of the Russian Federation can take advantage of benefits from the state. In this case, some conditions must be met:

1. A car loan is available to those citizens who want to purchase a vehicle worth no more than 1,450,000 rubles. Until some time, this amount was less and amounted to 1 million rubles.
2. The bank may require you to make a down payment, but this depends only on the bank. Now the state no longer requires making first payments.
3. If the car was released in 2017 or 2016 in Russia, then you can purchase it now and at the same time use preferential car loans.
4. The bank issues loans only in Russian rubles.
5. You are given exactly three years to repay the entire amount borrowed from the bank.
6. The car must be “from scratch”, that is, new.
7. In the Russian Federation, there are two programs that help you purchase a car. "Family Car" and "First Car". You can also use the ten percent discount that is offered when purchasing a certain brand of car.
8. Only an official dealership can help you buy a car.
9. The state transfers the funds to the seller’s account.

Typically, the bank provides a loan only for the purchase of one vehicle. But at the same time, the law does not indicate anywhere that preferential lending is provided once. Of course, you can try to contact the bank again.

As already mentioned, the state has developed two programs: “Family Car” and “First Car”. What is included in these programs and what you can expect:

1. Family Car Program. Families can use it if they have two children, as well as more, who have not reached adulthood. They can also take advantage of an additional 10% discount.
2. "First car" program. If a person has not bought a car before, then he can use this program. A 10% discount will be significant. For example, if a car costs 1.3 million rubles, then the discount amount will be 130,000 rubles. This discount can only be obtained once when purchasing a passenger car.

What cars does it apply to?

The cost of the car is not the only limitation. It is also worth knowing that subsidized loans are carried out only for the purchase of certain cars. You need to know what dimensions and brands of cars are suitable for preferential lending. The list of cars can be found on the banks' websites. The specified weight of the purchased vehicle is no more than 3.5 tons. Banks approve loans for the following brands of cars:

• Chevrolet Niva;
• Chevrolet Cobalt;
• Citroen (but not all models are included here);
• Kia Rio;
• Lada Kalina;
• Lada Granta;

It’s worth knowing that the car’s equipment is usually the most minimal, so you need to take this into account.

Rules for applying for a car loan

To avoid confusion, applying for a loan can be divided into several stages. What needs to be done?

1. First of all, the client must choose a car. In this case, the car must meet all the requirements that must be met in order to qualify for preferential lending. The make of the car, its price, as well as the year of manufacture are what you need to pay attention to first.
2. The bank and the dealership from which the car was selected must cooperate with each other. You can find out this either at the bank or on its website, or at the salon itself.
3. If the client can use any program (“First car” or “Family car”), then he must document this. For the first program you will need a certificate, which can be obtained from the traffic police. If a person wants to use the Family Car program, then he must have a birth certificate for his children, and two must be minors.
4. When choosing a bank, it is worth considering that the conditions under which the loan is issued may vary significantly.
5. When the entire package of documents is ready, you can send the application to the bank.
6. After waiting for the bank’s approval, you can start preparing documents such as a car purchase and sale agreement.
7. In the documents, the bank indicates the initial amount that the client must deposit.
8. The car must be registered with the traffic police.
9. , after concluding an insurance and collateral agreement.
10. The next stage is concluding an agreement for a car loan.
11. When funds from the bank arrive at the seller’s account, the car can be at your disposal.

The person for whom the car will be registered is obliged to come to the bank to complete all documents. The bank has the right to determine how long it takes to collect all documents. Usually this period ranges from 1 month to 3. And the application itself can be considered in just a couple of days. It all depends on what form of lending the client needs.

List of documents to be prepared

It is possible to obtain a car loan for domestic cars provided that the client collects all the documents. Which package should I collect? Usually all banks require approximately the same documents:

• To receive a loan you need to write an application;
• passport of a citizen of the Russian Federation;
• driver's license;
• at work you need to take a salary certificate for the last three months;
• It is necessary to have a certificate stating that the client has been working at his last place of work for more than a year. You can bring a copy of your work record book or employment contract, certified by a notary.

Having chosen a bank, you should definitely familiarize yourself with the list that it requires. What other documents may be needed:

• military ID;
• certificate of insurance (pension);
• marriage certificate;

In the Russian Federation there is a list of banks that offer to take out a loan with government support:

• Rosbank;
• PrimSotsBank;
• VTB24;
• Mitsubishi Bank;
• Volkswagen Bank;
• Sethelem;
• Rosselkhozbank.

Of course, this is not a complete list. The state makes its own adjustments to the list of banks. Each organization must obtain accreditation. The bank is capable and can set the interest rate itself. As practice shows, this percentage is usually no more than 20. Most often, by going to the bank’s website, you can find a calculator that works online. There you can make all the calculations: what the monthly payment will be and the amount of overpayments. The bank determines for itself which companies and car dealerships to work with and which not.

Conclusion

If someone decides to buy a car on credit with government support, it is important to know all the nuances. Having purchased a car, additional expenses will be required. A new car needs to be maintained, which entails quite a lot of expenses. Therefore, you need to calculate in advance whether it is profitable to buy a new car or not.