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Are you waiting for replenishment and thinking, how will you transport everyone in a cramped Lada, but there is no money to buy a new car? No problem! Under the program, buyers are provided with a 20% down payment subsidy (until July 2022 it was 10%). Residents of the Far Eastern Federal District receive a 25% discount on the cost of a car for buying new cars on credit up to one million rubles.
Why was the Family Car program created?
Another state program is aimed at subsidizing car loans in order to improve demand and help future borrowers. The program was launched back in 2015 to increase the performance of domestic cars and cars assembled in Our Country. Over the years, it was reoriented to foreign cars, but not all. The second goal of the program is to help families with two or more children buy a car faster and more profitably.
In other words, a car loan with state assistance is an opportunity to purchase a vehicle at a set interest rate, but with a subsidy from the state.
Conditions of the program “Family car”
In order to become a member of the program, there are several conditions:
- One or more children under the age of 18.
- Borrower has a driver’s license.
- The presence of a passport of a citizen of the Federation.
- Absence in 2020-2021 other loan agreements for the purchase of a car.
The mass of the purchased car should not exceed 3,5 tons, and the cost – 2 rubles (until July 000 it was 000 million rubles). The car must be new, not previously registered with the traffic police – 2022 or 1,5 release. The date of issue of the PTS is no earlier than December 2020, 2021.
Also, the program is suitable only for those who, starting from 2020 and in 2021, did not conclude other loan agreements for the purchase of a car.
Dates
The “Family Car” preferential program appeared in 2015.
The term of the Family Car program has been extended until the end of 2023. The budget for the current year for the state program “Family Car” is 10,2 billion rubles.
The size of the discount for recipients of preferential car loans in 2022 has changed: residents of the Far East can count on a 25% discount, and everyone else can count on a 20% discount.
Which cars are eligible for the program
- Lada Granta (sedan, liftback hatchback, station wagon, Cross, training), Vesta (sedan, Cross, SW, CNG, Sport), XRAY (Cross), Largus (station wagon, Cross, van).
- Niva (Off-Road, Legend).
- UAZ (Patriot, Hunter, Pickup, Profi, SGR).
- All GAS models that fall under tonnage and cost criteria.
- The program includes all Evolute electric vehicles manufactured at the Motorinvest plant in Lipetsk. With an increased discount of 35% (but not more than 925 thousand rubles).
List of documents required for registration
- Passport of a citizen of the Federation;
- Driver’s license;
- Help in the form of a bank or 2-NDFL. It is provided if you wish to reduce the rate or in the case of a loan exceeding 1 million rubles (a condition of some banks, not all);
- Employment book or employment contract (at the request of the bank);
- Documents of the spouse (provided only in case of guarantee);
- An entry in the passport in the column “Children” or birth certificates of children;
- Confirm the absence of other cars purchased on credit in 2021-2022 by taking a certificate from the traffic police.
Which banks are participating in the program?
- “Rusfinance Bank”;
- “Setelem Bank”;
- “VTB 24”;
- “UniCredit Bank”;
- “RADIOTECHBANK”;
- “TatSotsBank”;
- “SAROVBIZNESBANK”;
- “Sovcombank”;
- Bank Zenith;
- Bank “Saint Petersburg”;
- SOYUZ Bank;
- Bank “Investment Capital”;
- Bank PSA Finance;
- FastBank;
- Gazprombank;
- Design Bureau “Verkhnevolzhsky”;
- Credit Europe Bank;
- Metcombank;
- Raiffeisenbank;
- Rosbank;
- Sberbank of Our Country;
- Sviaz-Bank;
- Uralsib;
- Volkswagen Bank RUS;
- Energobank.
In which regions is the promotion valid?
The car loan subsidy program is popular in large cities. You can become a participant in Volgograd, Yekaterinburg, Kazan, Moscow, Nizhny Novgorod, Novosibirsk, Omsk, Rostov-on-Don, St. Petersburg, Samara, Ufa, Chelyabinsk, as well as in the Far East region.
Step-by-step instructions for receiving a car
First you need to choose a car suitable for the state program (the list is above). This stage is carried out with the salon manager. Then the Partner Bank creates a preliminary calculation, tells about all the conditions.
If the client is satisfied with everything, he transfers all the necessary documents, information and draws up an application. The decision is made after the bank checks the birth certificates of children and the client’s credit history.
If approved, the signing of the contract of sale follows. If the client rents his car in trade-in – an assignment agreement.
Next steps:
- Registration of CASCO insurance.
- Making an initial deposit.
- Signing a loan agreement.
As soon as the funds are credited to the account of the car dealership, the manager can put the car at the disposal of the applicant. Funds under the loan agreement are received the next day after financing, the subsidy is transferred on the second day.
After the purchase, the client registers the car with the traffic police, and gives the original PTS-ki to the bank, where the document will be stored until the loan is fully repaid.