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Car loan with state support, list of car conditions. Preferential car loan rate with state support and list of cars

A car is no longer a luxury, and most Russian citizens strive to have their own vehicle. In times of crisis, purchasing a car becomes problematic for many. That's why on financial market There is such a financial product as a car loan.

The state program for subsidizing car loans in 2017-2018 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 covered by state support? next year? We will try to answer these and some other questions in this article.

The car loan subsidy program for 2018 is not yet available. But since its launch in 2009, the program has been extended for many years in a row. Therefore, it is likely that it will be extended into 2018. We are monitoring this situation and if the program is extended, we will immediately make changes to this page. At the same time, two other preferential lending programs will operate in 2018: and.

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 car through this program will be given 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.

Where is the program active?

Today, the preferential car loan program is successfully operating 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.

Conditions of the car loan subsidy program in 2017

In order to purchase a car on credit under the preferential car loan program in 2017, you need to familiarize yourself with its terms:

1. The cost of a car purchased on credit should be no more than 1 million 150 rubles.
2. The age of the car is no more than 1 year.
3. Vehicle weight – no more than 3.5 tons.
4. The car must not be registered.
5. The amount of the down payment is at least 15% of the cost of the purchased car.
6. Loan term – no more than 3 years.

Car loan subsidy program in 2017: list of cars

In 2017, the list of cars that will participate in the preferential car loan program will expand. Next year, not only budget cars, but also SUVs will become available.

We suggest that you familiarize yourself with sample list cars participating in the state program of subsidized car loans:



Requirements of banks for borrowers

When applying to a bank to obtain a car loan, you will need to clarify the list necessary 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, Sberbank, Rosselkhozbank, as well as from the Bank of Moscow, Unicredit Bank, Rosbank and other credit organizations.

In 2014 the most profitable loans 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 participating banks state program preferential car loans in the table below:

Preferential car loans in Russian banks for a period of three years in rubles


How to calculate the interest rate on a preferential car loan

Please note that the government subsidy program does not create clearly defined conditions for each credit institution. The state has put forward requirements for calculating interest on car loans and subsidizes exclusively term loans.

As already mentioned, the interest rate on the loan directly depends on the established refinancing rate of the Central Bank of the Russian Federation. Calculations are made using the following formula:

C = D – 2/3 X P, where:
C – unknown interest rate of the borrower on the loan,
D – current interest on this type of lending,
R – established refinancing rate by the Central Bank of the Russian Federation.

For example: the rate for a car loan is 20%, for the state support program - 10.67%. Accordingly, C = 20 – (14 x 2/3).

Preferential car loans in 2017: pros and cons

Before taking out a car loan, you need to think about what advantages and disadvantages the government program for subsidizing car loans has in 2017.

The “advantages” of subsidized car loans are as follows:

1. The opportunity to purchase a car of a specific model at a reduced interest rate.
2. You can buy a car of both Russian and foreign origin.
3. Big choice banks participating in the preferential car loan program, which offer various conditions.
4. A small down payment for a car - from 15% of the cost.

The “disadvantages” of subsidized car loans are as follows:

1. Short loan period - three years.
2. A car cannot cost more than 1 million 150 thousand rubles.
3. You can only buy new car.
4. Lending – only in rubles.

Update 05/12/2017

Russian Prime Minister Dmitry Medvedev signed a decree according to which preferential car loan programs, as well as preferential leasing of wheeled Vehicle extended for 2017. There are relevant documents on the website of the Russian government (dated May 3 and May 7).

The maximum cost of a car sold under the preferential car loan program has been increased - from 1.15 million to 1.45 million rubles. IN Russian government They believe that such a measure will make it possible to compensate for the rise in car prices, as well as expand the list of brands and models of vehicles. At the same time, the maximum discount on a preferential car loan in the current year can be no more than 6.7 percentage points of the loan rate.

In addition, it became known that about 10 billion rubles will be spent on financing the program. It is expected that at least 350 thousand cars will be sold at the discounted rate of the program.

A little earlier, there were reports that government measures to support demand for vehicles ensured the sale of more than 171 thousand cars in the first quarter of 2017, which is half of total number sold vehicles.

According to the National Bureau of Credit History (NBKI), the number of cars purchased on credit in the first quarter of 2017 amounted to 126,300 units (+23.6% compared to the same period in 2016).

In 2016, thanks to state support, it was possible to sell 737 thousand cars with a total investment in the program of 66.9 billion rubles. As a result, 1.489 million cars were sold last year.

In 2017, as stated in the Ministry of Industry and Trade, the emphasis of state support will shift in favor of the passenger vehicle segment. It is expected that new support measures will be taken within the framework of preferential leasing and preferential car loans, which will be implemented with the help of banks and companies, including:

· “Russian farmer”;

· "Russian tractor";

· “Your own business.”

The state will allocate 62.3 billion rubles to support the Russian automobile industry. The Ministry of Industry and Trade expects that thanks to this it will be possible to sell about 750 thousand cars.

List of crossovers that can be purchased under a preferential car loan program

In 2017, the state support program included more than twenty crossover models, the cost of which cannot exceed 1.45 million rubles. Among them:

· Hyundai Creta (all trim levels);
· Renault Duster (all trim levels);
· Renault Kaptur (all trim levels);
· Lada 4x4 (all configurations);
· Chevrolet Niva (all configurations);
· Nissan X-Trail;
· Nissan Qashqai;
· Kia Soul;
· Kia Sportage;
· Ford Kuga;
· Mazda CX-5;
· Volkswagen Tiguan;
· Lifan X60;
· Geely Emgrand X7;
· Chery Tiggo 2, 3 and 5.

Thus, in 2017, more cars were included in the preferential car loan program. In addition, under the terms of the program, you can now purchase cars in different trim levels, and not just the basic one.

New rules for preferential car loans in 2017

In conclusion, we propose to summarize the new rules for preferential car loans in 2017:

1. You can purchase a new passenger car on credit at a car dealership (year of manufacture – 2016-2017).

2. The maximum loan term is up to 3 years (the car is collateral for the loan).

3. The interest rate has been reduced to 6.7% for the buyer (relative to the bank's interest rate).

4. The maximum cost of a car under the terms of the program is 1.45 million rubles.

5. The list of foreign and Russian-made crossovers has been expanded.

We would like to add that you can find out all the details about the preferential car loan program for 2017 directly at car dealerships in your city.

Update 10/15/2017

In Russia, until the end of 2017, two new programs to support the automotive industry will be in effect:

1. . Allows families with two or more minor children to buy a car on preferential terms.

2. . Allows people who have never owned a car to buy a car at a discount.

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 production and sales of automobiles, preserving jobs and employment workers of automobile manufacturing enterprises and related industries, creating attractive conditions for purchasing cars on credit, the Cabinet of Ministers clarified.
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 timely 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, for 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 on 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. That's why overall size The interest paid on such a loan is higher.
  • 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.
  • Transfer fees apply Money 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.
  • Advantage of this loan the fact 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 new state program launched in July 2017 - “Family Car” - is beneficial to both automakers and families who would like to purchase a brand new car. For several years now, the state has been stimulating sales of cars produced in Russia through a preferential car loan program. The extension of this government program into 2017 was announced in May. However, the other day the Russian government decided to launch several more preferential programs based on the soft loan program, one of which turns out to be “Family Car”. “Family car” - what the new 2017 state program offers Russians, how to use it, what advantages it provides compared to the standard car loan benefit.

Conditions of the standard preferential car loan program in 2017

Let us briefly recall what the rules are for preferential car loans in Russia in 2017. The essence of this program is not even to help buyers of new cars, although they also benefit, but to help Russian automobile factories in selling their products. After the economic problems that acutely faced the country's residents in 2014, the car market suffered quite significantly. Some people abandoned plans to purchase a new car due to problems with work or a drop in income; noticeably increased prices also played a role. Some people opted for more affordable used cars without being able to buy a new one. Automakers began to feel somewhat feverish, and the state decided to help them.

The preferential car loan program, tested after the 2008 crisis, returned to the country, and in 2017, after some amendments, its rules turned out to be as follows:

  • Under the preferential car loan program, you can only purchase automobile, made in Russia.
  • The car must be produced over the past two years.
  • The cost of a new car should not exceed 1.45 million rubles.
  • The car must belong to vehicle category “B”.

The program covers any cars that are produced in Russia. Including products from factories that assemble foreign brands in our country.

Thus, the list of cars that are eligible for a preferential car loan in 2017 looks like this:

  • Hyundai- many models that fall within the cost limit,
  • Kia
  • Renault- many models that fall under the cost limit,
  • Skoda- many models that fall under the cost limit,
  • Lada- many models that fall under the cost limit,
  • UAZ- many models that fall under the cost limit,
  • Nissan X-Trail
  • Mazda CX-5- in a minimum configuration,
  • Volkswagen Tiguan first generation - in the minimum configuration,
  • Ford Kuga- in a minimum configuration.

The essence of the benefit is that the state subsidizes the bank that issued the loan, part of the interest on the loan, namely 6.7% per annum. In this case, the maximum bank percentage should be equal to 18%, so for the buyer of a car on a preferential loan, the percentage will be equal to a maximum of 11.3%. In practice, it turns out to be lower - from 8% per annum.

Thanks to the incentive, a car loan becomes equal in cost or even cheaper than a mortgage loan.

The loan term under the program is no more than three years.

“Family car” - state program 2017

The state program “Family Car”, launched in July 2017, offers the following bonuses to those who are eligible to take advantage of it:

  • 10% discount for the car and the cost of its insurance due to state budget. That is, a maximum of 145 thousand rubles, if the car costs at the upper threshold - 1.45 million rubles.
  • No down payment required.

Families with at least two minor children are eligible to take advantage of the program. To do this, in addition to having two children, the following conditions must be met:

  • The father or mother of the family applying for a loan must have a driver's license.
  • Specialists of the bank where a car loan with a discount is issued will need to provide either a passport with a note about the presence of children, or their birth certificate.
  • The loan recipient will have to sign an undertaking not to use the benefit again within a year. One car per person at a discount.

The MAS Motors salon actively cooperates with many credit institutions Russia (more than three dozen partner banks). Thanks to borrowed funds, buyers have access to significantly more the lineup cars of foreign and domestic production than only with your own accumulated money.

Potential clients are offered not only standard credit products (consumer and car loans), but also Trade-In programs, installment plans, and government subsidies.

Terms and conditions of the First Car program

The new initiative to increase demand for new cars builds on the already existing programs state support. According to preliminary data, the state is ready to allocate up to 7.5 billion rubles. to support car loans. Below are only General requirements without taking into account any specific lending products of individual banks that will issue loans to the public.

Requirements for the vehicle being financed
  1. The cost of the car cannot be higher than 1.45 million rubles. (the amount fully corresponds to the updated parameters general program government subsidies for the purchase of new cars);
  2. Only new cars are credited (the year of manufacture must be at least 2016).
  3. The car must be assembled in Russia.
Buyer requirements
  1. The program makes the only mandatory requirement - the car purchased must be the owner’s first. This fact will be checked through the traffic police (whether the applicant has previously taken out a car in his name) and through the Credit History Bureau (whether he has taken out a car loan in his name);
  2. There are no age or income restrictions;
  3. State support applies only to citizens of the Russian Federation.
  4. The buyer must have a driver's license in hand.
Other parameters and restrictions of car loans under the First Car program
  1. Minimum down payment – ​​20%; it is possible without a down payment, but then the right to a discount on it is lost;
  2. The loan term cannot exceed 36 months (3 years);
  3. The bank's rate on a car loan should not exceed 18% per annum.

In the article:

The state car loan program was specially developed back in 2009 and is aimed at stimulating citizens of the country to buy domestic cars, as well as Russian-assembled cars. The essence of the car loan subsidy under the state program in 2018 is to provide favorable conditions for the purchase new car. To become a participant in the promotion, you must meet the necessary requirements.

Requirements for participants in the subsidy program

Absolutely any citizen of the Russian Federation can become a participant in the car loan subsidy program, with registration in the subject where the purchase is planned. Banks providing such services usually impose the same conditions and requirements on borrowers. Differences may be in the list of documents provided or in the amount of the down payment, but the main requirements for the borrower include:

  • Citizenship of the Russian Federation;
  • Age from 21 to 65 years;
  • Availability of a permanent job with a minimum of 1 year of experience in the last place;
  • Confirmation of basic income by providing a certificate in form 2-NDFL;
  • Providing additional documents upon request of the bank.

The Ministry of Industry and Trade of the Russian Federation has extended the preferential car loan program for 2018.

Important nuance, which concerns almost all banks participating in the state car loan 2018 program.

The smaller the set of documents that can be provided for a car loan, the larger, as a rule, the down payment on the loan, in some cases up to 30% of total cost auto.

A refusal to issue a car loan may be due to the presence of a negative credit history. Women with children under 6 months of age will also be denied a loan.

Conditions of the state program

You can’t get a car loan under the state program for just any car; it must meet the following requirements:

  • the age of the car from the moment of assembly to the moment of purchase should not exceed one year;
  • the maximum cost of a car is 750 thousand rubles;
  • the total weight of the vehicle is no more than 3.5 tons;
  • only Russian assembly;
  • The car should not have been registered before.

If you select a model that meets the above requirements, you can safely purchase a car on credit under the state program in 2018.


Requirements for borrowers

  • maximum loan term – 3 years;
  • down payment – ​​15% of the total cost of the car.

According to the terms of the program, the state assumes the cost of paying off the loan in the amount of 2/3 of the total cost of the car. For example, if a rate of 15% is specified when applying for a loan, then in reality the borrower will pay only 8%.

On the official websites of banks that participate in the promotion, you can calculate the size of a car loan under the state program in 2018 using a loan calculator. To do this, you must check all the required fields in the appropriate section and click the calculate loan button.

Please note that the program will only show an approximate result of the expected loan amount and monthly payment. More precise conditions can be obtained by directly applying for a loan from a bank employee.

List of cars

A complete list of cars eligible for the government subsidy program can always be found on bank websites, where you can also calculate a car loan using a loan calculator.

The list of banks is not that long; it includes well-known companies, such as Sberbank, VTB, Rosbank, Bank of Moscow, Unicredit and Rosselkhozbank.

Each has its own requirements and conditions for preferential lending under the state program. If you go to the appropriate section on the site, you can find all necessary information about cars.


The list of cars is quite extensive. It mainly includes domestic cars and some foreign brands assembled in Russia.

  • Lada, almost all models and modifications;
  • UAZ, including Patriot;
  • Volga;
  • Some Niva Chevrolet models;
  • Renaud et al.

More full information you need to check with the bank’s representative office if it is not on the official website. An important condition for obtaining a car loan under the state program in 2018 is that the required model must be on a special approved list. The presented list of items is gradually updated. Compared to 2014, in 2018 it was replenished with 50 additional models.

A car loan subsidy under the state program in 2018 allows you to purchase a car from the list of cars approved by the Ministry of Industry and Trade of the Russian Federation. The program was developed only a few years ago, but has already gained popularity among Russian citizens.


Despite the fact that there was a risk of oversaturation of the market for purchased cars, this did not happen. There have been some conditions for receiving subsidies in better side. The requirements for banks from the government have been relaxed and in the near future their list will only grow. And the successful operation of the program has led to the fact that the interest rate on car loans will gradually decrease.

This program was developed taking into account the crisis, which helped preserve jobs in domestic automobile factories and increase sales volume.

Conclusion

The car loan subsidy under the state program in 2018 managed to prove its effectiveness, even despite the unstable financial situation in the country. It allows you to purchase a long-awaited car on favorable terms. Additional insurance programs will allow you to remain confident in unforeseen situations. The promotion does not require a large down payment, and the low interest rate and small monthly payments will not be burdensome for the family budget.