order to maintain demand for the purchase of cars of domestic producer in 2009, the legislature has developed a state program for car loans.For the realization of this project in 2012 it was sent to more than three billion rubles.This state program will positively affect the recovery purchasing activity in the Russian market, but at the same time all the banks and want to buy a car under this program must meet the established criteria.
conditions the state program subsidizing
program of state support for the car loan provides for mandatory implementation of a number of conditions:
- The subsidy applies only to domestic cars.
- Bank should participate in the state program.
- maximum amount for which the owner can count - 600 thousand rubles.
- When a soft loan is necessary to make a contribution of 15%.
- Loan term - 36 months.
- Interest rate - 6%.
requirements for banks
State Program provides car loans to credit institutions the opportunity to give subsidies only if 50% of the authorized capital of the bank owned "Central Bank" or the Russian Federation.This requirement must be fulfilled in respect of the credit institution subsidiaries.In addition, the bank must have a wide network of branches covering all the regions of the Russian Federation.
If the bank meets all the above conditions, the month he gets the required funds from the budget in the amount of 2/3 of the refinancing rate, "the Central Bank".Due to these revenues reached a general lowering of the rates to 8%.State program for car loans due to this fact provoked great demand for cars of domestic brands.Another advantage of the state program is an optional insurance "CASCO".
For some state program for car loans 2013-2014.?
In order to get a soft loan, for example, "Sberbank of Russia", and in other commercial banks, too, must meet the following requirements:
- age from 21 years and up to 65 years.
- A passport of a Russian citizen with registration (permanent or temporary) in the region in which you plan to purchase.
- work experience of the borrower must be at least a year.
- Have statement of earnings over the past three months.
- work book should contain a record of the employment contract and be certified by the employer.
- borrower's income per month must be at least ten thousand rubles.
- After repayment of the monthly payment for each family member must be not less than 8000 rubles.
State program for car loans can not be given in the presence of questionable credit history.If you have a desire to take advantage of the subsidy, you should be aware that in the list, certified by the Ministry, there are cars of foreign and domestic production, assembled in Russia.The list contains exactly 50 models.To get on this program a vehicle assembled in the territory of the former Soviet Union, is impossible.
