Car brands according to the state program. Which crossovers in Russia will be given a preferential loan?

The recent crisis in the country has significantly worsened the situation in the automobile market.

Due to lower wages, layoffs, and higher prices, the demand for new cars has decreased.

To support the automotive industry of the Russian Federation, the state decided to resume the car lending program with the help of banks.

If you want to save on interest rates when buying a car on credit, we suggest you consider the terms and benefits of the state car loan program for 2019.

State car loan is a preferential loan for the purchase of a car of domestic and foreign production. Previously, the demand for domestic cars had decreased significantly. To improve performance, it was decided to develop a state program of preferential car loans.

What is the state car loan program? The main principle is that the government subsidizes interest rates for banks.

The goal is to stimulate demand for cars assembled in the Russian Federation. With the help of such a program, car enthusiasts obtain a car loan on favorable terms and at reduced rates.

A program for providing loans for the purchase of cars on special terms was developed in 2009. Implementation began in 2012. The subsidy quickly began to gain popularity, and sales of domestic vehicles increased.

The preferential car loan program began in 2015 and continued in 2016, 2017, 2018 and 2019 (it is currently planned to run until 2020). It is planned to sell 58.35 thousand cars on credit on special terms.

Compared to programs of previous years, the bank interest rate on a preferential loan decreased by 6.7%. A one-time discount of 10% on the cost of the car has been added.

It is provided under the “First Car” program (for citizens who purchase a vehicle for the first time), as well as the “Family Car” program (for families with two or more minor children).

Some car dealerships and banks do not reduce the loan interest on new cars offered under the program, but proportionally reduce the cost of the car itself.

Let's consider the conditions of the state car loan program.

Video: Preferential car loan program

1. Preferential car loans include cars worth up to 1,450,000 rubles. Previously, this cost was one million rubles.
2. The down payment requirements were abolished, in contrast to the earlier ones - 20% of the cost of the car (at the discretion of the bank and dealer).
3. The car must be produced in the Russian Federation in 2016-2019.
4. A loan for the purchase of a car with state support is issued in rubles. Banks can impose life and health insurance on the borrower.
5. The loan is taken for a period of no more than three years.
6. The car did not previously have registration and owner as an individual.
7. The discount is fixed at 6.7%.
8. There is a 10% discount on the cost of the car under the “First Car” and “Family Car” programs. You can also buy a car with maternity capital for a family with two or more children.
9. Calculation of the lending rate: the difference between the initial rate and the government subsidy for it.
10. Only urgent interest on a car loan is reimbursed.
11. The car is purchased in the showrooms of official brand representatives.
12. Cash compensation is not provided. The state does not return anything and does not pay extra to the borrower directly.

The state pays part of the down payment for the driver, providing a 10% discount on the price of the car. If you subtract 10% from the maximum cost of 1,450,000 rubles, you get 145,000 rubles. Very significant.

The discount is available under either the Family Car or First Car program. Discounts cannot be combined.

A significant drawback of the program: limited selection of cars and the number that can be purchased.

Typically, banks allow the purchase of only one car, despite the fact that this is not regulated by law.

But applying to the bank to obtain a second preferential car loan will likely be followed by a refusal.

Participating banks put forward their lending conditions taking into account the conditions of the State program:

• provide car loans only to citizens of the Russian Federation;
• age group 21-65 years;
• good credit history;
• absence of children in women under six months of age;
• constant source of income;
• the minimum down payment can be 15% of the price of the car;
• the bank determines the interest rate on the loan and reduces it by the amount of subsidization;
• Each bank sets the minimum loan amount itself.

The main list of conditions for preferential car loans from banks usually looks almost the same. But additional conditions and percentages may be different:

• lending rate (the real interest rate on a car loan is calculated from it);
• minimum car loan term;
• minimum amount;
• requirements for length of service at the current place of work;
• registration requirements at the place of receipt of a car loan.

Let's take a closer look at some government support programs:

List of cars

The list of domestic and foreign cars that are eligible for preferential car loans has expanded.

It includes SUVs, trucks, minibuses that weigh no more than 3.5 tons, budget cars:

• Chevrolet Niva;
• Chevrolet Aveo;
• Chevrolet Cobalt;
• some Citroens;
• Ford Focus (not in all trim levels);
• Hyundai Solaris;
• Kia Rio;
• Lada Granta, Lada Kalina and others;
• Mazda 3;
• Mitsubishi Lancer;
• some Opel, Peugeot, Renault, Skoda;
• Toyota Corolla;
• all Bogdan models;
• UAZ, ZAZ.

It is better to view the complete list of cars on the bank’s website. Typically, a preferential car loan includes cars with a minimum configuration.

They receive a car loan under the state program in several stages:

The person to whom the vehicle will be registered applies to receive a loan.. The applicant has the right to transfer control of the car to another authorized person. Contact the selected credit institution.

The deadline for processing documents is set by the bank itself. The process takes 1-3 months. An application for a car loan is processed within a few days. The verification time depends on the form of lending.

List of required documents

Most banks are regulated by the following documents:

• application for a car loan;
• passport of a citizen of the Russian Federation;
• driver license;
• certificate 2-NDFL containing information on wages for the last 3 months;
• a document confirming the official place of work and work experience of more than a year (a certified copy of the employment contract or work record book).

A more accurate list should be found on the website of the bank you choose.. Sometimes they are additionally asked to provide a Taxpayer Identification Number (TIN), a certificate of pension insurance, a military ID, a foreign passport, a marriage certificate, and a copy of the spouse’s passport.

The list of banks providing car loans under the state program includes:

• VTB 24;
• Rosbank;
• Rusfinance Bank;
• Sethelem;
• Uralsib;
• PrimSotsBank;
• Mitsubishi Bank;
• Volkswagen Bank and others.

Banking institutions have the right to determine the actual interest that the buyer must pay and adjust some other conditions. The percentage usually does not exceed 20%.

On the bank website you can find a calculator that will allow you to calculate the amount of overpayment and monthly contributions.

Some banking institutions may work with certain car dealerships and may not provide loans for certain car models.

Do you get a car loan with no down payment and a low interest rate?

The essence of the car loan program without a down payment is that the applicant receives a loan for the minimum period with a high interest rate.

Thus, banks try to minimize the possibility of non-payment of the amount. But with state support, rates are significantly reduced, since the state guarantees benefits and compensates for the interest rate of 6.7%.

Also, under the “Family Car” and “First Car” programs, a 10% discount is provided, so the buyer has to pay less.

This is a rate that will allow you to overpay the least amount over the contractual loan period.

Some manufacturers may offer their own benefit programs that can be combined with government ones.

You need to ask your banking institution about the possibility of subsequent resale of the vehicle or change of insurance.

But you shouldn't make your choice based solely on the favorable interest rate.. You should start from the car model you need and use it to look for the most favorable conditions available in different banks. The car has been in use for more than one year.

Is it possible to get a 10% discount without taking out a loan?

Government benefit programs do not apply to persons who buy cars with cash. You can't get a discount without a loan.

But there is another option. The discount provided by the state is very significant. You should carefully consider the possibility of purchasing a car on credit.

If you have enough money to buy a car, you can take out a car loan for a minimum period with a maximum down payment. And then the overpayment will be minimal.

When purchasing a car on credit under any car loan program, you need to take into account the additional costs that will be needed to maintain the new purchase: registration, costs of gasoline, oil, maintenance and the need for annual CASCO insurance, compulsory motor liability insurance.

In 2017, the state car loan support program continued to operate. It is aimed at supporting the automotive industry. With the help of banks, state support for car loans helps Russians purchase new and used cars. Let's take a closer look at the conditions.

The state program for subsidizing car loans is a kind of financial assistance to car manufacturers and residents of the country, from the government and the Ministry of Industry and Trade.

Its purpose is:

• support for Russian automotive manufacturers and enterprises that assemble foreign cars;
• development of the domestic car market;
• improving the economic situation in the country;
• meeting the growing demand for new cars.

Conditions of the state support program for car loans in 2017

The terms of the program changed in 2017:

• the cost of a car that is eligible for preferential lending has been increased to 1.45 million rubles;
• the size of the down payment has been reduced to 20%, and governments plan to completely abolish it;
• The list of cars eligible for preferential lending has been expanded. SUVs and other popular models were added to the budget ones. A list of such cars is presented below. But each bank independently selects cars for lending with government subsidies;
• The loan is issued in rubles and does not include additional commissions or fees. However, banks may strongly offer insurance programs, which affects the cost of the loan;
• maximum loan term - 3 years;
• the discount on a loan with state support has become fixed and amounts to 6.7%;
• families with two or more children are allowed to purchase a car using maternity capital;
• It is planned to introduce new targeted loan programs for the purchase of new cars with attractive conditions.

The advantages of the state support program for car loans are obvious:

• the state compensates banks for the income lost from rate cuts;
• car enthusiasts - the opportunity to purchase a new car at a rate reduced by 6.7%.

Some car dealerships and banking institutions working under the state program offer new cars without reducing the interest rate. Sellers proportionally reduce the price of the car, which also looks attractive.

List of cars under the state program in 2017

Only certain cars take part in the state car loan support program. List of cars 2017:

Conditions for obtaining a car loan with state support

The conditions for obtaining car loans with government support are the same for all banks:

• car loans are issued only in rubles;
• loan funds are allocated only for the purchase of a car from the list above. The cost of such a car is no more than 1.45 million rubles, and its weight is up to 3.5 tons;
• Only cars registered to a legal entity and manufactured less than a year ago can be purchased under this program;
• down payment - 20%;
• loan term - up to 36 months.

At the same time, banking institutions retain the right to make adjustments and offer more favorable lending conditions for clients. However, they cannot: change the maximum interest rate, the size of the advance payment, or other requirements both for terms and for overpayments.

Who will receive a car loan with government support?

General requirements for borrowers:

• Russian citizenship;
• age - 25-65 years;
• official employment within the last 6 months, as confirmed by an official certificate;
• confirmation of solvency in the form of a certificate of income;
• positive credit history, no debts or arrears on previous loans.

Loyal conditions of state support are attractive. But not all car enthusiasts will be able to take advantage of them. Some people will be denied a car loan with state support. This will happen to those who:

• do not meet program requirements;
• did not provide the necessary documents;
• has a negative credit history.

Also, loans will be denied to women with children under 6 months.

The package of documents provided by the borrower will be reviewed within 2-5 days. If at least one requirement is not satisfied, the car loan will be denied.

List of banks participating in the preferential auto-credit program

In 2017, over 90 banks are implementing car loan programs with state support. As noted above, the bank is given the right to independently make adjustments to the lending conditions. Therefore, the banks’ offers differ, as do the advantages. Clients are allowed to repay the loan early, there are no commissions, etc.

Conditions of 10 attractive car loan programs with state support:

The state car loan support program makes buying cars affordable. Therefore, the number of borrowers who take advantage of this opportunity is constantly growing.

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

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

Conditions of a car loan under the state subsidy program

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

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

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

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

List of cars under the state support car loan program

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

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

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

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

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

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

Which banks participate in the preferential car loan program?

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

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

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

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

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

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

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

Prospects for the state program of preferential lending for car purchases

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

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

1. Unfavorable macroeconomic situation in the country.
2. A growing percentage of non-repayments on loans taken to purchase a car.
3. The state car loan program achieves the goals set by the government, that is, it shows its effectiveness.

According to the Autostat agency, half of the cars purchased in Russia last year were purchased on credit. And the share of credit cars in the total volume of the Russian car market continues to grow, crossing the mark of 50.3% of the total number of vehicles sold. Domestic banks willingly issue car loans, because, firstly, the car remains pledged to the credit institution, and secondly, statistics suggest that the situation with overdue car loans in Russia is significantly lower than in the consumer lending sector without collateral or collateral.

On May 11, 2017, following a meeting of the Government of the country, it was decided to extend the current program for preferential car loans until the end of 2017, both in order to support the Russian Automotive Industry and consumers in their plans to take out and buy a new car. Decree of the Government of the Russian Federation of May 3, 2017 No. 514. The implementation of the program requires 11 billion rubles and will approximately allow Russians to buy 350 thousand cars.

Why is the program so popular and relevant? We are talking about car enthusiasts who buy a car through official dealers, in car dealerships and are forced, according to the proposed plans, to choose only from the proposed options, both a specific bank and subsidized models. The state compensates 2/3 of the Central Bank's refinancing rate, which today amounts to 9.45% per annum. Is this too much? The average discount exceeds 6% of the payment amount, which is quite significant for a borrower with any income.

The government approved a preferential car loan in 2017

Restrictions for those planning to use assistance from the state have changed today:

1. The cost of the car should not exceed 1.45 million rubles.
2. Weight is limited to 3.5 tons.
3. The production date of the car is limited to two years - 2016 or 2017.
4. The maximum term of the loan agreement should not exceed 36 months.
5. It is required to make an initial payment from your own funds in the amount of at least 20% of the cost of the vehicle.
6. The vehicle acts as collateral, the title remains in the bank until final settlement as a security measure.
7. The initial bank rate should not exceed 18% per year.
8. The required mandatory registration of a CASCO insurance policy seriously increases the price of a car; an MTPL policy will not be required to apply for a loan - it is purchased at the latter’s discretion.

List of cars that can be purchased under the state preferential subsidy program

What do we have as a result? Quite a decent list of cars from various manufacturers, presented with a large set of useful options in each of the offered options. There is plenty for the average car enthusiast to choose from.

Below are the brands and models of passenger cars that can be advantageously obtained on credit in 2017:

1. Citroen C-Elysee
2. Citroen C4
3. Daewoo Nexia
4. Daewoo Matiz
5. Ford Focus
6. KIA Rio
7. KIA Cee'd
8. LADA Samara
9. LADA Priora
10. LADA Largus
11. LADA Kalina
12. LADA Granta
13. LADA 4-4
14. Mazda3
15. Mitsubishi Lancer
16. Nissan Tiida
17. Nissan Note
18. Nissan Almera
19. Opel Astra
20. Peugeot 408
21. Peugeot 301
22. Volkswagen Polo
23. Skoda Octavia
24. Skoda Fabia
25. Toyota Corolla
26. Hyundai Solaris
27. Renault Sandero
28. Renault Logan
29. Renault Duster
30. Chevrolet Niva
31. Chevrolet Cruze
32. Chevrolet Cobalt
33. Chevrolet Aveo

How can I get a preferential car loan for a car listed in the list? There are two options:

1. Having chosen a model in the showroom, contact the credit manager to continue processing the loan with approval of the application;
2. The second option is to submit an application directly to a bank that is part of the government subsidy program. Approved application => execution of a sales contract => and you receive the car.

What if the selected model/make of the manufacturer does not qualify for the current Program? Look for reduced interest rates in special offers and ongoing internal promotions at car dealers. Remember: the cheaper the cost of the car, the more significant state support will be in value terms for you.

Preferential car loan with state support in 2017, conditions and list of cars.

The state program for subsidizing car loans in 2017 is a program that was developed to increase demand for domestically produced cars. In 2017, state support for car loans for new and used cars through banks will continue.

What will state subsidies for car loans be like in 2017? Which banks will participate in the program? Which cars are eligible for state support next year? We will try to answer these and some other questions in this article.

Preferential car loan with state support in 2017. What is the essence of preferential car loans?

The main goal of the state support program is to help the Russian automobile industry to increase demand for domestic cars. Customers who purchase a vehicle through this program will receive a discount.

Thus, if the standard interest rate is, for example, 15.5%, then if you participate in the program, the rate will be reduced to 10%. The state assumes responsibility to compensate the borrower for part of the payments on the car loan. This means that the car buyer will pay the bank less than 2/3 of the Central Bank refinancing rate.

Let us recall that the peak in demand for purchasing cars on credit was observed in 2011. After banks tightened requirements for borrowers and also increased loan rates, demand began to fall sharply. In general, the interest rate depends on many conditions, including the specific bank, car brand or loan term.

Preferential car loan with state support in 2017.Where is the program active?

Today, the preferential car loan program successfully operates in large Russian cities - Moscow, Nizhny Novgorod, Novosibirsk, Volgograd, Yekaterinburg, Kazan, Samara, Ufa, Chelyabinsk, as well as in Rostov-on-Don, St. Petersburg, Omsk and many others. Subsidizing car loans will continue to operate in these cities in 2017.

Please note that when choosing from a variety of offers, the borrower needs to take into account that the more documents he provides to the bank, as well as the shorter the loan repayment period and the larger the down payment, the lower the loan rate will be.

In addition, it is necessary to take into account that the total cost is also affected by the cost of CASCO or OSAGO insurance policies.

Preferential car loan with state support in 2017. Requirements of banks for borrowers

When applying to a bank to obtain a car loan, you will need to clarify the list of required documents and familiarize yourself with the requirements for borrowers. In 2017, most banks will issue car loans with state subsidies to the following borrowers:

age: 21-65 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.

Requirements for borrowers may vary slightly depending on the bank.

When concluding a loan agreement with a bank, be sure to read the repayment terms and hidden interest.

Car loan subsidy program in 2017: list of banks

You can purchase a car on credit with government support from VTB-24, Rosselkhozbank, as well as from the Bank of Moscow, Unicredit Bank, Rosbank and other credit organizations.

In 2014, the most profitable loans were offered by Gazprombank and VTB-24 Bank, Rosselkhozbank and Sberbank of Russia. It is still unknown who will become the lending leader this year.

For those planning to purchase a car with government support in 2017, we advise you to familiarize yourself with the list of banks participating in the state program of preferential car loans in the table below:

Car loan with state support 2017: list of cars. Is it possible to get a preferential car loan in 2017?

Subsidies are provided to credit institutions in the amount of lost income resulting from the provision of discounts when issuing loans to individuals (borrowers) for the purchase of cars and insurance of the collateral, subject to the following conditions:

Please note that the period for issuing preferential car loans is limited to December 31, 2017, i.e. in 2017 you can receive government support.

The program does not yet apply to 2018. However, you shouldn't be upset about this. The state subsidy program for car loans was first introduced in 2009 and has been extended several times. For example, the program was extended into 2017 only from May 19, 2017. Those. It is quite possible that the program will be extended into 2018.

Note. If the preferential car loan program is extended, this article will be supplemented.

Car loan with state support 2017: list of cars. What kind of discount can you get with subsidies?

The lending rate stipulated by the loan agreement is determined as the difference between the credit institution’s rate in effect on the date of loan issuance and:

two-thirds of the key rate of the Central Bank of the Russian Federation in effect on the date the loan was issued - for loan agreements concluded in 2015 or 2016;

a discount of no more than 6.7 percentage points - for loan agreements concluded in 2017.

In 2017, the discount on a soft loan is 6.7 percent.

Please note this is the maximum value. In practice, some banks may provide a smaller discount. However, this does not make much sense, because... In any case, the discount is compensated by the state.

For example, if Ulybka Bank issues car loans at 15 percent per annum, then, taking into account government support, the interest rate for the driver will be

Car loan with state support 2017: conditions and list of cars. Which cars are covered by the state support program in 2017?

Most often, drivers try to find a list of cars containing specific models and brands. However, there is no such list in the Government Decree. Listed are only the general requirements that the car must meet:

The total weight of the purchased vehicle does not exceed 3.5 tons, and its cost:

no more than 1,000 thousand rubles - for cars purchased in 2015;

no more than 1,150 thousand rubles - for cars purchased in 2016;

no more than 1,450 thousand rubles - for cars purchased in 2017;

The purchased car on the date of issue of the loan was not registered in accordance with the legislation of the Russian Federation and was not owned by any individual;

The purchased car is manufactured:

in 2015 or 2016 - for cars purchased in 2015 or 2016;

in 2016 or 2017 - for cars purchased in 2017;

The vehicle must meet the following requirements:

Cost up to 1,450,000 rubles.

The total weight does not exceed 3.5 tons. Those. We are talking about category B vehicles (both cars and trucks).

The car is new.

The car was manufactured in 2016 or 2017.

The most important factor on this list is the cost of the car. You can receive state lending support when purchasing any car whose cost does not exceed 1.45 million rubles. This list includes cars of various makes and models.

Note. If the car costs a little more than 1.45 million rubles, then you can bargain at the car dealership.

For example, let the price list of a car be 1.5 million rubles. If you know how to bargain and can reduce the cost of a car by 50,000 rubles to 1.45 million rubles, then it will be possible to buy such a car under a preferential lending program.

Those. The deciding factor is the actual cost of purchasing the car.

Car loan with state support 2017: list of cars. Conditions for obtaining a car loan under the state program?

In addition to the bank requirements for obtaining car loans, the Government Decree provides for additional restrictions:

e) the loan is secured by the pledge of the purchased car;

f) an individual has made an advance payment of at least 20 percent of the cost of the purchased car - for cars purchased in 2015 or 2016;

g) the term of the loan agreement does not exceed 36 months;

Important conditions for receiving preferential loans:

The down payment is at least 20 percent of the cost of the car. This requirement was applied until 2016; since 2017, you can take out a preferential car loan without a down payment.

The loan term is no more than 3 years.

The government support program for car loans provides a good opportunity to purchase a vehicle without a significant overpayment. We can only hope that it will be extended into next year.

Preferential car loan with state support in 2017. Last news

The Russian government has made changes to the procedure for providing subsidies for the implementation of preferential car loan programs. This is stated in the decree published on the government website.

The corresponding decree was signed by Russian Prime Minister Dmitry Medvedev. It amends Resolution No. 364 of April 16, 2015, which approved the rules for providing subsidies for preferential car loans.

According to the new changes, Russians planning to purchase a car on credit this year will be able to receive a discount of 10% of its cost. The benefit will be provided to citizens who have two or more minor children (the “Family Car” program) and those who buy a car for the first time (the “First Car” program).