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What Programs Of Preferential Car Loans With & Nbsp; State Support Can Be Used In 2020

What Programs Of Preferential Car Loans With & Nbsp; State Support Can Be Used In 2020
What Programs Of Preferential Car Loans With & Nbsp; State Support Can Be Used In 2020
Video: What Programs Of Preferential Car Loans With & Nbsp; State Support Can Be Used In 2020
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At the end of 2019, sales of new passenger cars and light commercial vehicles in the Russian market fell by 2.3% - to 1 million 759 thousand units. But the downturn could have been even worse had it not been for the preferential car loan programs for individuals, as well as subsidies for organizations. Government support was able to spur sales in basic price segments and slow down the decline in demand.

In the coming year, the market will not be left without subsidies - these are the benefits that will be available to buyers and manufacturers in 2020.

Private buyers in 2020 they will be able to take advantage of one of two preferential car loan programs: First Car and Family Car.

  • Program "The first car" intended for buyers who register a car for the first time.

  • Program "Family car" valid for families with two or more children.

  • Under the terms of both programs, the client receives a discount on a car in the amount of 10% of the purchase price (for residents of the Far East - 25%): the state transfers this amount to the bank against the down payment on the car loan.
  • The programs apply only to new Russian-made cars with a price not exceeding one million rubles. You need to purchase a car only from an authorized dealer.

  • The programs cover the entire range of Datsun, Lad (including Chevrolet Niva) and UAZ brands. In addition, some configurations of Hyundai Cret and Solaris, KiRio, Nissan Terrano, Renault Duster, Kaptur, Logan and Sandero, SkodRapid and Volkswagen Polo can be purchased using preferential lending programs.

The government allocated 5 billion rubles for the implementation of the First / Family Car programs in 2020 - almost half as much as a year ago. Experts predict that if the demand for cars that meet the requirements remains at last year's level, then this money will run out in May.

Corporate clients can count on state benefits under the programs “Russian tractor”, “Russian farmer” and “Svoe delo”.

  • As in the programs for individuals, the subsidy goes towards the down payment on car loans. The size of the privilege can reach 12.5%, but not more than 625 thousand rubles per one piece of equipment.

  • Benefits for the program "Russian tractor" are provided to organizations that conclude a lease agreement for the purchase of KamAZ long-haul truck tractors.

  • "Russian farmer" - a leasing subsidy program for organizations recognized as agricultural producers.

  • Program "Your business" suitable for small and medium-sized businesses.

  • Lessees under these programs can be legal entities and individual entrepreneurs, information about which is entered in the "Unified Register of Small and Medium Enterprises".
  • Customers planning to lease a new car with a base chassis release date no earlier than December 1, 2018 can expect a discount. Leasing term - from 1 to 3 years. The amount of the initial payment is from 10 to 50%.

At the beginning of the year, the government approved a new mechanism for subsidizing leasing, within the framework of which, from January 27 to February 27, the selection of applications from leasing organizations for participation in the program will take place. The current list of leasing companies will be announced in March, and agreements with them are to be signed in April.

In 2020, 9.8 billion rubles were allocated from the budget to finance leasing programs. Another 18.7 and 18.5 billion are planned for 2021 and 2022, respectively. Almost 80% of these funds will go to support leasing programs in the automotive industry.

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