Rate for the state car loan program. List of cars under the state support car loan program

31.01.202327.05.2017

Stimulating the auto industry and the lending market are the main goals of the state program of preferential car loans. The state compensates part of the interest rate on car loans to banks to make them more affordable for borrowers. Which banks and on what conditions issue preferential loans for the purchase of a car - in our review.

State program of preferential car loans: results and forecasts

The Russian government has extended the preferential car loan program for 2017. The total amount of funding for the program is 10 billion rubles. The program is aimed at stabilizing the volume of production and sales of cars, preserving jobs and employment of employees of automobile manufacturing enterprises and related industries, creating attractive conditions for purchasing cars on credit, the Cabinet of Ministers specified.
It is expected that at least 350 thousand cars will be sold under the program on credit at a preferential rate. At the end of 2016, within the framework of the preferential car loan program, with a plan of 270 thousand units of equipment at a preferential credit rate, 324 thousand passenger cars were sold, which was 20% more than the plan.

« The first results are obvious: every third car that is sold on the market is due to state support. All this applies specifically to Russian production, Russian assembly. Imported cars are not subsidized. Our bestsellers are Avtovaz cars - LADA, KIA, HYUNDAI, VOLKSWAGEN, RENAULT. We proceed from the fact that those companies that promptly launched import substitution programs are winning and dominating the market today due to this“, noted the Minister of Industry and Trade of the Russian Federation Denis Manturov.

Conditions of the state program of preferential car loans in 2017

The maximum cost of a car sold under the program has been increased from 1.15 million rubles to 1.45 million rubles. In 2015, the maximum cost of a car under this program was limited to 1 million rubles, and in 2016 - 1.15 million rubles.

In 2017, preferential loan agreements are concluded on the following terms: loans issued in rubles from January 1, 2017 to December 31, 2017 inclusive for the purchase of new cars manufactured in 2016 or 2017. The cost of the car does not exceed 1.45 million rubles, and its total weight is 3.5 tons.

The loan is secured by collateral for the purchased car; an advance payment of at least 20% of its cost is required. The loan term is no more than 36 months. The discount on a car loan will be 6.7%. Thus, with an average car loan rate of 16.2% on preferential terms, it will drop to 9.5%.

Preferential car loans in 2017, offers from Russian banks

Table “Car loans with state support in Russian banks”

	Bank, loan	Min. bid	Max. sum	Max. term
	Vkabank, State Program		920 thousand rubles
	Energy Bank "Avtohit State Program"		920 thousand rubles
	Bank "Soyuz", "Classical State Program"		920 thousand rubles
	Bank "Khlynov", "State Program"		920 thousand rubles
	Niko-bank, "State Program"		920 thousand rubles
	Chelyabinvestbank, “State program for a passenger car”		920 thousand rubles
	Bank "Soyuz", "Two State Program Documents"		920 thousand rubles
	Tatsotsbank, "State Program"		920 thousand rubles
	Kurskprombank, "State Program"		920 thousand rubles
	Svyaz-Bank, State Program		920 thousand rubles

Data: May 2017

Lowest rate

From 6.83% per annum in rubles - on loan "State program" in Vkabank.

The rate can reach 13% per annum. This range of rates is relevant when applying for CASCO insurance when purchasing a new car.
In the absence of CASCO, the rate will be from 13% to 15% per annum in rubles.
The loan amount is up to 80% of the amount of the purchased car. But the cost of a car on a car loan with state support should not exceed 1.15 million rubles.
The minimum down payment is 20% of the cost of the purchased car.
The state subsidy program applies to new domestic and foreign passenger cars, 2016-2017. release, costing up to 1.15 million rubles and weighing up to 3.5 tons.
The loan is provided for a period of up to 3 years, in an amount not exceeding 920 thousand rubles.
Requirements for the borrower: age (18-60 years, up to 55 years for women on the date of loan repayment), permanent registration at the place where the loan was received, length of service at the last place of work - 24 months, proof of income (certificate 2-NDFL).
No commissions
Available to pensioners and individual entrepreneurs.

Possibility to choose a repayment method

provided for on loan "Avtohit State Program" at Energobank.

It is issued under standard conditions - for a period of up to 3 years, for an amount of up to 920 thousand rubles (with a maximum cost of the car - 1.15 million rubles and a minimum down payment of 20% of the cost of the purchased car).
An important advantage is the ability to choose the method of loan repayment - differentiated or annuity payments.
The first option is not so profitable for the borrower: with an annuity, the lion's share of payments in the first years is interest, but the body of the debt, on the contrary, decreases very slowly. Therefore, the total amount of interest paid on such a loan is greater.
The rate will depend on the down payment and will range from 7.33% to 8.33% per annum. + 3% to the base rate - in the absence of CASCO prolongation; + 1% for individual entrepreneurs, founders and/or owners of 50% or more shares/shares in the authorized capital of the employing company.
A fee is charged for transferring funds to a car dealership in the amount of 0.5-1% of the loan amount (min. - 20 rubles, max. - 1,500 rubles).
Requirements for the borrower: age (21-62 years, up to 57 years for women on the date of loan repayment), permanent registration at the place where the loan was received, length of service at the last place of work - 4 months, proof of income (not required for a down payment of 30% ).

Choose a loan repayment method - differentiated or annuity payments

also possible with a loan "State program" at Kurskprombank.

The loan is provided for a period of up to 3 years, in an amount of 55 thousand rubles, at an interest rate of 8.5-10.5% per annum in rubles.

It is possible to register a car as the property of a third party (it is necessary to involve him as a co-borrower).
Requirements for the borrower: age (21 years - 65 years), permanent registration at the place where the loan was received, length of service at the last place of work - 6 months, proof of income.
The advantage of this loan is that it can be repaid in differentiated payments, which is beneficial to the borrower.

Without proof of income and with a minimum of documents

you can get a loan “Two State Program Documents”.

Loan term - up to 3 years, amount - up to 920 thousand rubles, rate - 8-10% per annum in rubles (personal insurance does not affect the rate), minimum down payment - 20% of the cost of the car.
No proof of income is required.
Documents: passport and a second one of your choice (foreign passport/driver's license/military ID).
Requirements for the borrower: age (22 years - 65 years), permanent registration at the place where the loan was received, length of service at the last place of work - 3 months, total - 1 year.

A preferential car loan with state support is a real chance for many Russian citizens to get a long-awaited car on more favorable terms. But before applying for such a loan, you should familiarize yourself with its terms, as well as the list of cars that are eligible for the program.

What is the essence of the proposal?

The 2020 state program of preferential car loans was created to increase demand for domestic cars. State support was in effect earlier, but this year the list of banks and models that became available to buyers was expanded.

The essence of the program is to provide discounts on the purchase of certain cars. So, if the regular rate when applying for a car loan is 15.5 percent, then participation in the state program allows you to reduce it to 10%. Such a reduction is possible thanks to compensation of part of the funds by the state. As a result, the borrower pays less than 70% of the refinancing rate of the Central Bank of the Russian Federation.

It is known that the greatest peak in the popularity of car loans occurred in 2011, but after the tightening of the conditions of financial institutions, as well as an increase in rates, the service began to be in less demand. But even today, the loan interest rate is not fixed and depends on many factors - the brand of the car, the banking institution (lender), as well as the period for which the loan is issued.

In which regions does the program work?

State support for preferential car loans is provided in many cities, including Nizhny Novgorod, Moscow, Volgograd, Novosibirsk, Rostov-on-Don, Chelyabinsk and others. Special conditions were in effect previously, and in 2020 they were extended.

When choosing a suitable offer, the borrower must take into account that the rate depends on many factors - the period of the loan, the size of the advance payment, as well as the volume of documents provided to the lender for consideration. The cost is also influenced by the availability of insurance - MTPL and CASCO.

Old program conditions

Previously, to purchase a car on credit under the state program, the following registration conditions were in effect:

The car is up to a year old.
The price of a car purchased on credit should be up to 1.15 million rubles.
Vehicle weight - up to 3.5 tons.
The amount of the advance payment is from 15% of the price of the car.
The term for which a preferential car loan is issued is up to 3 years.
The car does not have to be registered.

List of cars included in the program

In 2017, the options for buyers expanded, because the list of cars under the preferential lending program became significantly larger. It includes not only budget cars, but also SUVs. Thus, the following brands and models take part in the state program:

Chevrolet (Cruz, Aveo, Cobalt).
Citroen (C4, C-Elysee).
Daewoo (Nexia, Matiz).
Ford Focus.
Hyundai Solaris.
Kia (Ria, Sid).
Lada (Granta, Kalina, Priora, Lagrus, Samara, 4x4).
Renault (Duster, Logan, Sandero).
Skoda (Octavia, Fabia).

The list also includes models of other brands - Mazda, Mitsubishi. Opel, Peugeot, Toyota, Volkswagen, VAZ and Bogdan.

What are the requirements?

When applying for a preferential car loan, it is worth clarifying the requirements that banks impose on clients. As a rule, they differ little from the conditions relevant for obtaining a consumer loan. The main requirements are Russian citizenship, as well as the borrower’s age ranging from 21 to 65 years. In addition, a client of a banking institution must be registered in one of the regions of the Russian Federation and be officially employed for 3 months or more.

Getting a preferential car loan is possible if you provide an advance payment of 15% or more. Another important condition is the presence of a “clean” credit history. If you previously had problems with other banks, you may be denied a preferential car loan service.

Please note that borrower requirements may vary between financial institutions. In the process of completing all documents, you must familiarize yourself with the terms of debt payment and hidden interest (if any).

Which banks offer the service?

It is worth remembering that not all financial institutions cooperate with the state on preferential car loans. Financial institutions providing this service include Rosselkhozbank, Sberbank, Rosbank, VTB-24 and other credit institutions. Before making your final choice, you should familiarize yourself with the conditions of each bank, as they may vary. The only thing that remains common is the currency of the loan (it is issued in rubles).

Below we consider the conditions of some banking institutions:

Sberbank issues loans for domestic cars and foreign cars. The interest rate ranges from 14.5 to 17%. The upper “limit” of the loan is 600 thousand rubles. Requirements: 6 months of work experience, proof of income and age over 21 years. Advance payment - from 15%.
VTB-24 issues up to a million rubles at 10% per annum for the purchase of domestic and foreign cars. The advance payment must be from 20%. The lender's requirements include the borrower's age 21-65 years, permanent registration, work experience of 12 months and a salary of 20 thousand rubles. In addition, the client must provide at least 2 contact numbers for communication.
Gazprombank issues a preferential car loan at 7.5% and issues an amount of up to 510 thousand rubles. The car or real estate itself is accepted as collateral. Taking out CASCO insurance with annual renewal is a prerequisite. Advance payment of 20% and above.
Raiffeisenbank issues loans for Russian and foreign cars at 11.83% per year. The maximum amount you can count on is 510 thousand rubles. In this case, the client must be at least 24 years old. The first payment is from 15% of the price of the car.

No less favorable conditions are offered by other financial institutions - Loko-Bank, Uralsib, Metokombank and others.

When applying for a preferential car loan, it is worth considering that there are no clear rules for a specific organization. Government agencies have issued a formula by which calculations are made, and subsidies are provided only for term loans.

The lending rate is directly dependent on the Central Bank refinancing percentage, and the calculation is made using a simple formula. So, to calculate the interest rate, it is necessary to subtract the product “2/3” and the refinancing rate from the current interest on this type of loan. For better understanding, let's give an example. If a bank issues car loans at a rate of 22% per annum, in the preferential car loan program this percentage is lower - 22 - (14*2/3) = 12.67%.

Advantages and disadvantages of the service

The preferential car loan provided to car owners in 2020 has its own nuances. The advantages of the service include:

The opportunity to obtain a vehicle of the model you are interested in at a lower interest rate.
Availability of not only Russian cars, but also foreign-made cars.
The choice of banking institutions that are part of the program is wide enough to find the most suitable option.
The down payment is relatively small and amounts to 15% of the cost of the car.

Despite the large number of positive qualities, one cannot help but highlight a number of negative features:

The loan period is relatively short, which creates certain difficulties in repaying a car loan.
The car should have a price of no more than 1.45 million rubles.
You can only buy a new car.
The service is provided only in national currency.

What changes took place in 2017?

The Prime Minister of Russia signed a decree according to which preferential car loans, valid in 2016, were extended into 2017. The necessary documents are publicly available on the government website. The main innovations include an increase in the cost of an affordable car. If earlier this parameter was 1.15 million rubles, now it has increased by 300 thousand. The decision is due to the desire to compensate for the current increase in the cost of machines.

The changes also affected the interest rate formation process. Thus, in 2017, the maximum discount on the service cannot be more than 6.7% of the loan rate. An amount of about 10 billion rubles has been allocated to finance this program, and the expected volume of cars sold at a reduced price can reach 350 thousand units.

In the first three months of 2017 alone, the program sold 171 thousand units, which was half the planned number. By the way, in 2016, about 740 thousand cars were sold under the state support program.

In 2017, according to the government, passenger cars will be in great demand. In addition, it is planned to introduce new programs in the near future, for example, “Own Business” or “Russian Tractor”. In total, the authorities allocated more than 60 billion rubles for the development of domestic producers. At the same time, in 2017 it is planned to sell at least 750 thousand cars.

The updated program of state support for applying for a car loan includes more than 20 crossover models with a price of up to 1.45 million rubles. This number includes Hyundai Creta, Renault Duster and Captur, Kia Soul and Sportage, Volkswagen Tiguan, Gilly Emgrand X7, Ford Kuga, Chevrolet Niva, Cherry Tiggo and others.

Thanks to the expansion of the list, a larger number of cars in different trim levels are available to buyers.

New car loan conditions

In 2017, new conditions for obtaining a preferential loan came into force:

The car should be released in 2016, 2017.
The loan term is up to 3 years.
The maximum price of a car is 1.45 million rubles.
The list of available cars includes new crossovers.

For more details, you should contact the car dealership in your city.

Lawyer. Specialization – civil, arbitration, corporate, administrative law. More than 13 years of experience. Date: May 22, 2017. Reading time 6 min.

The main conditions of the state program for preferential lending for the purchase of a car are the requirements for the weight and cost of the car, its year of manufacture, as well as some others. Subject to these conditions, the citizen-borrower has the right to count on a discount of 6.7 percentage points

The state program, under which citizens can take out a loan to buy a car on preferential terms, started in 2009. Since then, it has been renewed more than 5 times, each time changing some of its conditions. Preferential car loans continue in 2017.

Old and new program

The current program is regulated by Decree of the Government of the Russian Federation dated April 16, 2015 No. 364, approved under the chairmanship of D. A. Medvedev. It provides for the provision of subsidies not to trade organizations, but to financial institutions that issue loans for the purchase of transport. In fact, the subsidies are intended for banks so that they do not lose their income, which they would have received without preferential lending.

The project sets itself the task of developing the automotive industry and achieving high competitiveness in the market. In 2017, it is planned to allocate 10 billion rubles, this amount will be enough for 350 thousand units. cars

The preferential car loan program is only one of three government programs aimed at stimulating demand for motor vehicles. The other two are fleet renewal and preferential leasing. In 2016 alone, more than 600 thousand vehicles were sold under these projects, about half of which were purchased by individuals on credit at a discount.

Conditions for granting subsidies

The bank is provided with subsidies under the state program only if the conditions established by the Government are met. Accordingly, the bank requires its borrower clients to comply with them.

Basic conditions of the program as of 2017:

The vehicle must weigh no more than 3.5 tons.
The cost of the car should not exceed 1.45 million rubles.
The purchased car must previously be owned by citizens.
The purchased car should not be, including previously, on.
The vehicle must be manufactured no earlier than 2016.
A pledge agreement is concluded between the bank and the borrower, the subject of which is the purchased car.
The loan agreement between the bank and the borrower is concluded for a period not exceeding 3 years.
The loan must be provided before December 31, 2017.

The preferential interest rate is defined as the difference between the existing bank lending rate for the purchase of transport for individuals and the discount which cannot be more than 6.7 percentage points.

Report from Rossiya 1 TV channel correspondents about preferential lending:

Main differences from the conditions in force in 2015 and 2016

The main positive difference from the conditions of the current state project in previous years was the increase in the cost of purchased domestic cars:

In addition, if previously, to obtain a preferential loan, a down payment of 20% of the price of the car was required, then in 2017 this condition is excluded.

Changes also occurred in the procedure for calculating subsidies - in 2015 and 2016, part of the bank’s remuneration was subject to subsidization, determined by the difference between the credit rate in force in the financial institution and 2/3 of the key rate of the Bank of Russia.

Additional requirements of banks

The above conditions for participation in the program are mandatory from the point of view of the Government of the Russian Federation. In turn, financial organizations that issue loans have the right to establish their own additional conditions and restrictions. For the most part, these are the requirements for borrowers:

The age of the borrower varies in each bank.
Citizenship is Russian Federation, but certain banks consider clients with foreign citizenship.
Down payment - although the Government has eliminated the requirement for prepayment, banks are playing it safe and establishing conditions for mandatory advance payment. Its size also depends on the credit policy of a particular bank.
Work experience - the borrower is required to confirm his solvency and the presence of a regular income. Typically 3 to 6 months of experience is required.
Availability of registration at the place where the loan was received.
Insurance of the purchased vehicle.

It is worth noting that the lending rate for the purchase of a car is different in all banks. However, for the loan to fall under the terms of the preferential program, this rate should not exceed 18%. In other words, the highest interest rate on a loan with state support will be 11.3% (18% - 6.7%). Accordingly, if a loan product of a particular bank is offered on general terms at a lower interest rate, then the preferential interest rate will be even lower.

Which banks lend?

The full list of banks participating in preferential lending for the purchase and sale of vehicles will be known only on May 31, 2017. This is due to the fact that until this time, credit institutions have been given time to conclude an appropriate agreement with the Ministry of Industry and Trade to subsidize car loans.

It should be noted that in order to enter into an agreement, the bank must meet certain criteria:

there must be no overdue debt to the budget, including for the return of previously received subsidies;
must not be in the process of reorganization, bankruptcy or liquidation;
among the bank’s shareholders there must be no foreigners who own more than 50% of the shares;
there is a concluded agreement with a credit history bureau.

Today we can safely say that such giants of the financial sector as the Bank of Moscow and many others will definitely participate in the renewed state project and issue concessional loans.

Which cars are eligible for benefits?

Considering that the main goal of the renewed program is the development of the Russian automotive industry, it will be possible to purchase vehicles with preferential credit conditions only if they were produced on the territory of the Russian Federation.

According to the head of the Ministry of Industry and Trade D. Manturov, the current state program is successfully coping with the task assigned to it. Almost every third car in the country is purchased through loans with state support, and all of these cars are Russian-made (assembled). The sales leader is AvtoVAZ products (Lada, Renault Duster and other models, Kia, Hyundai, etc.).

Below is a list of some cars that will be possible to purchase with a preferential loan. Naturally, its cost also depends on the configuration of the purchased machine.

Table. List of cars eligible for preferential car loans

Model	Photo	Price (thousand rubles)
		from 1 152
		from 599
		from 1 369
		from 758
		from 1 324
		from 1 264
		from 546
		From 1 407
		from 599
		from 1 459

To summarize, it should be said that the state program of preferential car loans in 2017 will not only continue to operate, but will also delight motorists with new models that have appeared due to an increase in the maximum cost of the vehicle.

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.

Car loans are also 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).

A car loan is funds provided by a bank for... It is not 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, 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 sign 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:

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.
You can choose any car. The more equity the buyer has, the more expensive the vehicle can be purchased.
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.

Any citizen has the opportunity to buy a car at a lower cost.
Banks have the benefit of their own development and the opportunity to earn money.
Dealers are encouraged to increase sales.
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.

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 high salary, and a white one at that. Work experience in one place is also taken into account.
The client will have to pay for the insurance themselves, since the state pays only part of the cost of the car itself.
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:

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.
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.
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.
The bank issues loans only in Russian rubles.
You are given exactly three years to repay the entire amount borrowed from the bank.
The car must be “from scratch”, that is, new.
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.
Only an official dealership can help you buy a car.
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:

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.
The 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);
Kia Rio;
Lada Kalina;
Lada Granta;

It is worth knowing that the car equipment is usually offered 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?

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.
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.
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.
When choosing a bank, it is worth considering that the conditions under which the loan is issued may vary significantly.
When the entire package of documents is ready, you can send the application to the bank.
After waiting for the bank’s approval, you can start preparing documents such as a car purchase and sale agreement.
In the documents, the bank indicates the initial amount that the client must deposit.
The car must be registered with the traffic police.
, after concluding an insurance and collateral agreement.
The next stage is concluding an agreement for a car loan.
When funds from the bank arrive at the seller’s account, you can take possession of the car.

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;
VTB 24;
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.