Preferential car loans - problem solving

Concessional car loans are a subsidized program, which has enjoyed a stable popularity in the vast expanses of Russia since the very beginning of its existence (namely, since 2009). If you consider its terms, it becomes clear - when buying a car loan, taking part in it, the interest rate will be reduced by about 2/3 of the refinancing rate. Such a decline in value was made possible by a subsidy provided by the state. At present, car loans in Russia are in a phase of recovery - the number of banks that provide similar services is increasing day by day. Each such bank has its own loan product, adapted to the terms of the program.

However, in general, each such program, involving preferential car loans, must meet the following criteria:

  • The cost of the car should not exceed 600 000 rubles.
  • Auto - only produced by the Russian Federation.
  • Loans are granted only for cars that have not been in use.
  • The rate for preferential car loans is calculated based on the rate of the lending bank. It differs from the refinancing rate by 2/3.
  • Such a loan may have a validity period not exceeding 36 months.
  • The initial payment must not be less than 15% of the price of the selected car.
  • The machine must be adequately insured for the risks of CASCO and OSAGO.

It is also necessary to remember that there are banks ready to subsidize the purchase of a vehicle, which, in addition to the minimum requirements set forth in the program, put forward some of their own additional conditions. These include: the availability of additional income (except for the minimum level of the annual income of a potential borrower), a certain age, the consent of the spouse for a car loan and much more. All the subtleties can be learned by contacting the bank.

The list of cars that can participate in the state program is constantly supplemented, and conditions for preferential car loans are only getting better.

Preferential car loans: a list of cars that can be purchased:

  • Brands of domestic cars: GAZ, VAZ, IZH, UAZ, TaGaz;
  • Vehicles of foreign manufacturers that produced in the Russian Federation: Chevrolet Cruze, Chevrolet Niva, Kia Spectra, Ford Focus, Fiat Albea, Renault Logan, Fiat Ducato, Fiat Doblo, Skoda Octavia, Skoda Fabia, Hyundai Accent, Hyundai Sonata, Renault Sandero , Peugeot 308 and others.

Preferential car loans are considered by many a very profitable transaction, due to the fact that it is much cheaper than buying a vehicle through the car salon. In this regard, if the dream car is on the list, you can safely go to the bank and make out a preferential loan for the purchase of the car. Nevertheless, before entering into a loan agreement, it will be necessary to visit several credit institutions. This is due to the fact that the conditions can be quite noticeable. Always worth looking for a more advantageous offer! After all, there may be an option that even car dealerships can provide a fairly low interest rate!

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