The state program "Family Car" has been launched in Russia since 2015; its goal is to increase the volume of cars produced or assembled domestically. The decision of the Government in June 2019 extended the allocation of budget money for these purposes until 2020.
In 2018, 3.5 billion rubles were provided, which was enough only for the calendar quarter. This year, the program began on July 1: the state gave 10 billion rubles, of which 6 billion for loans and 4 billion for preferential leasing.
The marginal cost of cars participating in the preferential program for 2019 has been adjusted to 1 million rubles. What will be the "Family Car 2020" is not yet known.
Basic parameters of co-financing
The program can be used by citizens who have decided to buy a car in the official salons of famous foreign brands and domestic companies on credit of a commercial bank. A person who has joined the program receives a discount from the budget, which joins the down payment for the car. Residents of the Far Eastern Federal District receive a 25% discount, and 10% in the rest of the country. Obtaining a budget subsidy does not interfere with promotions and bonuses established by car dealers and car dealerships:
- surrender of the previous car to Trade-in;
- discounts and gifts of the salon (for example, CASCO, rugs, covers, winter tires);
- Own discounts for dealers.
The subsidy is granted to 1 person once in a lifetime. Divorced parents can participate in the program subject to the payment of alimony, but the privilege will be received by the one with whom the children live.
The requirements that must be met are in two parts. The first is standard for any loan. The second is determined by the state.
What do you need:
- Russian citizenship and a passport;
- Applicant's age from 18 to 65 years (remains at the discretion of commercial banks);
- "white" salary and work experience in last place of 4 months or more;
- permanent residence registration;
- confirmation of remuneration by accounting (certificate 2-NDFL);
- good credit history;
- valid driver's license;
- at least 2 children from 6 months to 18 years old, born or adopted (confirmed by marks in the passport of the parents or birth certificate);
- loan term - up to 5 years.
- the absence of other car loans for the previous and current calendar years (repaid are also taken into account);
- the date of issue of the selected vehicle by Title is not earlier than 01.01.2019, the gross weight is up to 3.5 tons (category B), and the participant in the auto program is its first owner.
So far, these parameters apply to the Family Car program for 2020.
The amount of the subsidy is not included in the base for calculating personal income tax.
The list of cars and their models
The list of cars produced undergoing final assembly in our country is established by the Ministry of Industry and Trade. At the moment it includes:
|Hyundai||Solaris, Elantra, Creta|
|Ford||Focus, EcoSport, Fiesta|
|Renault||Duster, Kaptur, Logan, Sandero, Sandero Stepway|
|Skoda||Octavia, Octavia Combi, Yeti, Rapid|
|Nissan||Almera, Terrano, Sentra|
|Geely emgrand||7, GT, X7|
|UAZ||Patriot, Hunter, Pickup|
|AvtoVAZ||Lada Kalina, Grant, Vesta, Largus, Chevrolet Niva|
To find out if the desired model is included in the list of privileged ones, it is necessary to submit documents: obsolete models are periodically discontinued, new items appear in return.
List of banks
- Setelem Bank;
- VTB 24;
- UniCredit Bank;
- Bank FinanceRus;
- RusFinance Bank;
- Plus Bank;
- Bank UralSib;
- Russian Agricultural Bank;
- Bank RUS;
- Volkswagen Bank RUS.
The full list of participating credit organizations is on the website of the Ministry of Industry and Trade.
Until the full repayment of the loan for the car, a pledge agreement is drawn up with a banking institution.
You can find out where to buy the "Family Car" in a specific region of the Russian Federation on the official websites of partner banks or their territorial branches.
In addition to CTP and CASCO, the bank can offer additional insurance, for example, life. To get the desired subsidy, it is worth initially agreeing to this condition. Then, within 14 days from the date of signing the contract, it will be possible to refuse the imposed service.
Given that in 2019 the program works half a year late, the start of the Family Car in 2020 is difficult to predict. It all depends on the economic situation in the country and the availability of financial resources in the budget.