State program "Family car" in 2021: conditions, list of cars. How to register for the program?

For many people, buying their first vehicle is a daunting task. It happens that there is not enough money for the down payment or a person is refused due to age. Sometimes banks are ready to issue money at high interest rates for a short period, without the possibility of using discounts. It is because of all this that people often put off buying their first car indefinitely.

In order to avoid such situations, an initiative has been developed that allows you to easily purchase your first car at a discount and at a reduced rate. Back in the summer of 2021, the first car program began operating in the Russian Federation. With its help, the state decided to support the domestic auto industry and motivate citizens to buy new cars. As part of the program, it was planned to sell more than 50,000 cars. Society responded positively to this initiative, so long before the end of 2017, all the cars were sold out. Having seen the positive dynamics and interest of people, the authorities decided to extend the state program for 2021, but with some changes.

How does the program work and who benefits from it?

There are different programs for car enthusiasts in Russia, including trade-in and a recycling program. However, if at the very beginning they were extremely popular, by 2021 the demand for them has dropped significantly. This is due to the fact that most car owners have already taken advantage of the offer, and the program has simply exhausted itself. In this regard, it became necessary to look for new solutions to increase the demand for domestically produced machines. So, in 2021, a completely unique idea emerged that could solve many economic problems.

Under the terms of the program, every citizen of the Russian Federation has the opportunity to buy a car on credit at a discount. For these purposes, more than 7 billion rubles were allocated from the budget.

This initiative is beneficial to motorists, banks, automakers and the state. Let's look at the main advantages of buying your first car on preferential terms.

For the state:

Stimulating the country's economy;
Renewal of citizens' vehicle fleet;
Development of car services servicing domestic cars;
Support for the banking sector.

For banks:

Increase in loan portfolio;
Possibility of implementing additional services.

For automakers:

Increasing the pace of car production;
Increased sales.

Since buying a car is a very expensive undertaking, especially if it is your first car, the benefit for car enthusiasts is obvious - for the second year in a row, young people have been getting a unique opportunity to purchase a car on credit, and at an impressive discount.

Features of the program to subsidize the purchase of a new car in the Russian Federation in 2021

In Russia, a few years ago, a project was launched to finance part of the cost of a car when buying it for the first time. The project is valid exclusively for citizens of the Russian Federation. Compensation for part of the price is provided from the state budget. Funds are distributed for the next year based on the state of the budget and planned expenses. Thus, the Government of the Russian Federation approves the extension of the program every year.

Important: the program has become popular due to the fact that the population most often purchases cars using credit funds. According to the terms of the project, it is possible to reimburse parts of the loan through government subsidies. In this regard, the program has gained great popularity among the population.

In addition to stimulating the purchase of cars for personal and family needs, the state has the goal of increasing interest in domestic cars. According to the program, it is possible to receive money from the federal budget in a certain amount only when purchasing a Russian-made vehicle.

Conditions for participation in the program for borrowers

To participate in the program, you must meet certain requirements. At first it was planned that one of the main conditions for participation would be age. According to the developers, the program is aimed at young people under the age of 30. But later this decision was revised, and the conditions for participation were softened.

Selection criteria for candidates for the first car program:

The vehicle to be registered must be the first. If at one time the borrower already owned a car, then he cannot qualify for participation in the program, even if at the moment there is no car registered to the borrower;
The borrower must have a valid driver's license category "B";
The program is valid only for Russian citizens;
The borrower must be employed and must prove his income.

The accuracy of the information provided is checked by the credit institution issuing funds for the purchase of a car and the traffic police. The bank’s security service will also check the borrower’s credit history through the BKI.

If, in all respects, a person is suitable for participation in the state program, then it should be taken into account that during the execution of the transaction, in addition to the obvious financial obligations, he will have to sign an agreement that in 2021 he will no longer purchase any vehicles on credit. The same condition was mandatory in 2021.

You can only take part in the first car promotion in 2021 once.

Categories of citizens who receive a discount on cars in 2021 in the Russian Federation

Representatives of the Ministry of Industry and Trade said that under the state subsidy program for the purchase of a car for the first time, an interest rate of 15% is provided. The Russian government offers the following conditions for issuing funds, which may vary depending on the chosen purpose of using the car:

First Car Program	Issue of funds in the amount of 60,000 rubles. when purchasing a car worth up to RUB 800,000.	If the borrower is under 30 years of age.
Family Car Program	Upon receipt of funds up to RUB 100,000. when purchasing a vehicle worth up to 1 million rubles.	Conditions for families raising more than 3 children, if the second parent does not have a car.
Russian Farmer Program	To purchase subsidies for the purchase of passenger and commercial vehicles.	Transport must be used for farming, that is, for the purpose of carrying out commercial activities.
Program "Russian Traction"	When applying for subsidies for the purchase of a truck.	It is possible to purchase exclusively vehicles from domestic manufacturers.

Terms of action

If you meet all the criteria, then you may well qualify for participation in the promotion, but first you should find out about all the additional conditions of the state program and the nuances of applying for a loan.

The first car promotion includes the following:

You can become a participant in the program only when purchasing a car on credit;
The bank issues a loan for a period of no more than 3 years;
All cars purchased on credit under the state program are given a 10% discount;
If, when drawing up a loan agreement, the borrower is not ready to make a down payment, then he is not given a 10% discount, but the reduced rate remains in any case;
To receive a guaranteed discount, the initial minimum payment must be 10% of the total cost of the purchased vehicle;
The maximum price of a purchased car in 2021 cannot exceed 1.5 million rubles, but in 2021 this amount was less;
The loan rate for participants in the state program cannot exceed 11.3% per annum. But, at the discretion of the bank, it may well be reduced;
The loan amount under the terms of the agreement may include not only the cost of the car, but also additional services, such as insurance. The main thing is that in the end the loan does not exceed the program limit established by the state.

Conditions of the program to subsidize the purchase of the first car in the Russian Federation in 2021

The law provides for the possibility of receiving money from the state regarding the cost of a vehicle purchased for the first time, subject to the following requirements:

applying for a car loan with contracts valid for a period of 36 months or more;
the purchase should be made with a loan of approximately 85%, about 15% of the price should be provided to the car dealer from one’s own savings;
the subsidy is used to pay off part of the annuity payments under an agreement with the bank;
the price of the vehicle should be no more than 1.45 million rubles;
It is possible to compensate part of the cost of a car exclusively of domestic production, or a foreign brand is allowed provided it is assembled in Russia.

If all the specified conditions are met, the state is ready to cover part of the cost of purchasing a car from the federal budget. At regional levels, their own programs may be envisaged, based on the state of the local budget and the ability to help certain categories of citizens. In the constituent entities of the Russian Federation, such projects operate along with the all-Russian program, that is, the projects do not exclude each other.

Conditions for the vehicle

Not all cars qualify for the first car program, but the list is quite wide. It includes almost all the most popular brands, but many are sold in a minimal configuration, since when purchasing cars with a full configuration, the loan amount may exceed the established limits, which is contrary to the conditions of the state program.

The list of cars offered includes:

Cars of the Lada brand. The range of vehicles offered under the program is limited. For purchase you can consider Vesta, Granta, Kalina, Priora, Largus, Samara;
UAZ and ZAZ cars of all models and configurations.

Since the program is aimed more at young people, and they mostly choose foreign cars, foreign cars were also included in the list. The main condition is that the assembly of foreign-made vehicles be carried out on the territory of the Russian Federation. The following conditions fell under this condition:

Chevrolet cars. Niva, Cobalt, Aveo models are offered in all trim levels. The Cruze is available in select trim levels only.
Citroen cars. The C-Elysee model is available in any configuration, the C4 is only available in certain trim levels.
KIA Rio cars can be obtained on credit in any available configuration, the Ceed model - in some versions.
The design of Dewoo Matiz and Nexia cars is available in any configuration.
The Ford Focus model is a participant in the program, but in limited variations.
Skoda cars of the Fabia model are also offered in any configuration and Octavia – in a limited version.
Hyundai Solaris can be purchased in any configuration.
Nissan Almera and Note can be equipped with any selected configuration, but Tiida can be equipped only with some.
The Peugeot 301 is also included in the program in any configuration, and the 408 model is only available in some of them.
Renault Logan and Sandero were available in any configuration, and Duster – in a limited configuration.
The list includes Mitsubishi Lancer, Toyota Corolla, Opel Astra and Mazda 3, but due to the high cost of these cars, only limited equipment is allowed.

As you can see, at the moment the program registry includes a wide range of different car brands. But if during 2021 there is a significant reduction in vehicle prices, then we can assume that the first car program in 2021 will significantly expand the proposed list.

What conditions must be met to become a participant in the program?

The program operates in large Russian cities (Moscow, St. Petersburg, Volgograd, Yekaterinburg, Chelyabinsk, Rostov-on-Don, etc.), so conditions in the regions may differ slightly. To receive compensation for the purchase of a family car, you must meet the following requirements:

Russian citizenship;
age (varies by bank) from 18 to 65 years;
one or more minor children in the family;
lack of existing car loans from 2021;
official employment;
work experience in the current place for at least four months;
permanent registration (registration);
compliance with the clearance list (list of credited and non-credited areas).

From the documents you will need:

passport of a citizen of the Russian Federation;
income certificate;
children's birth certificates;
Marriage certificate;
certificate of family composition;
draft purchase and sale agreement;
TIN and SNILS;
application for the purchase of a CASCO and OSAGO policy.

Banks may also request a work book or employment contract. In the case of a guarantee, credit institutions may require documents from the spouse.

The absence of cars purchased on credit in 2021 is confirmed by a certificate from the traffic police.

Also read: Front-wheel drive or rear-wheel drive: which one is better to choose?

Banks working under the program

Not all Russian banks operate under the new program, but those that have posted participation information on their official websites offer the following conditions:

The minimum rate, from VTB 24, is 5.5%, while the down payment on the first car can be 0 rubles;
VOLKSWAGEN BANK RUS issues money at 6.5% and the borrower will have to make a first payment equal to 25% of the total cost of the car;
Car loans in Uralsib are available at a rate of 8%, but their conditions do not provide for the first payment;
RNKB issues loans at 8.3% without a down payment;
Rusfinance Bank offers a rate of 6.7% and no down payment;
Unicredit is ready to sign a loan agreement at a rate of 6.5%, but with a down payment of 10%.

In addition to these banks, Rosbank, Bank of Moscow and Sberbank are participants in the program, but there is no information on the conditions of the loan program on their official websites.

The exact rate, term and loan amount under the program depend on various factors:

Bank policies;
The presence or absence of a down payment;
Borrower's credit history;
Package of provided documents.

“Russian tractor” program

Tractor vehicles from Russian manufacturers are allowed to participate in the state program. Its essence is that when leasing a car in certain organizations, a 2.5% discount is added to the advance payment.

According to the standard conditions of preferential leasing, the client can receive a discount on the advance payment of up to 10% of the price of the car, but the total amount of the discount should not exceed 500,000 rubles. “Russian tractor” allows you to expand the limit to 625 thousand Russian rubles per leased item. The maximum discount in this case is 12.5% of the cost of the issued tractor.

Registration algorithm and package of necessary documents

If you are interested in the first car program and you plan to make a purchase within a year, then you must:

Select your first vehicle from the showroom;
Decide on a credit institution;
Provide the credit institution with the required package of documents;
Wait for the official result (approval or refusal);
If the decision is positive, go to the bank to sign the loan agreement.

You can apply for participation not only at a bank branch, but also on the institution’s website or at a car dealership.

Let us dwell in more detail on the provision of a package of documents. Banks change this list every year at their discretion, adding or removing any documents from it. Here is a list of the main documents that must be provided:

A completed application form according to the bank;
Passport;
Driver's license;
TIN;
Certificate from the traffic police confirming the absence of ownership of the vehicle;
Confirmation of solvency (certificate of income);
Signed agreement with the car dealership.

When drawing up a loan agreement, there are some aspects to consider:

During the term of the loan agreement, the vehicle will be pledged to the bank, which means it cannot be sold without the consent of the lender;
The credit institution issues a loan at their current interest rate, but 6.7% of them are repaid under the program from the budget allocated by the state;
The validity period of the loan agreement cannot exceed 3 years, and at the request of the borrower it can be reduced;
If the limit allows, then additional insurance services may be included in the loan agreement;
The borrower can count on a 10% discount only if he makes the minimum down payment required by the bank;
The borrower receives a significant benefit from purchasing the first vehicle under the state program not only because of the 10% discount, but also because of the reduced rate.

What kind of car can you buy under the state program?

The government discount is not available for all brands and cars on the market. In accordance with Decree of the Government of the Russian Federation dated April 16, 2015 No. 364, the requirements for machines that can be purchased under the state program are as follows:

The car must be of domestic production. It doesn’t have to be a Lada, it can be a foreign brand, but only on condition that the car was assembled on the territory of the Russian Federation.
The cost of the car cannot exceed 1.5 million rubles.
It must be a passenger car with a gross vehicle weight of no more than 3.5 tons.
The car must be new, 2021 or late 2021. In this case, a vehicle passport for last year’s car must be issued no earlier than December 1, 2021.
The manufacturer must have a special agreement with the state on the implementation of a corporate program to increase competitiveness, and in relation to the car, a conclusion must also be obtained confirming the production of industrial products in the Russian Federation.
The car remains pledged to the bank until the loan is repaid.

In 2021, the maximum cost of a car was 1.45 million rubles. Now state support is provided only for cars worth up to 1.5 million rubles, and you can buy not any model, but only one certified according to the new rules.

Here is a list of cars that are eligible for the program in 2020:

Lada (Granta, Largus, Vesta);
Chevrolet Niva;
Datsun (Mi-do, On-do);
Hyundai (Solaris, Elantra, Creta);
Kia (Rio, Cerato, Soul, Ceed, Picanto);
Nissan (Terrano);
Peugeot 408;
Renault (Kaptur, Arkana, Logan, Duster, Sandero, Sandero Stepway);
UAZ (Patriot, Pickup, Hunter);
Volkswagen (Polo);
Skoda (Octavia, Rapid);
Citroen C4.

Example

The cost of a Renault Logan car in its basic configuration is 477 thousand rubles. The subsidy under the Family Car program upon purchase will be 47,700 rubles, and for residents of the Far East - 119,250 rubles.

conclusions

The government's first car program was launched last year, but due to its high popularity, it was extended to 2021. Its main goal is to help citizens purchase their first car and stimulate the country’s economy. Here are the main points of the First Car program:

Every citizen can purchase a car at a discount and at a reduced rate, subject to the requirements of the program;
The term of the loan agreement can be reduced, but it is not possible to take out a loan for more than 3 years;
The year of birth of the borrower does not matter, the main thing is that it is the first vehicle registered as a property in its entire life;
If, after a year, the first car program remains as popular, then we can hope for continued government support.

Leading credit institutions participate in the state program, the list of which is updated from year to year. Typically, their websites contain detailed information about the conditions for participating in the first car promotion. If information about the program is not available on the website, then you can get full advice on loan terms at the branches of banks participating in the program.

Content

How is the 2021 program better than previous ones?
What cars are included in the state program?
Which banks can you get a subsidy from?
What conditions must be met to become a participant in the program?
How to buy the best family car under the state program: stages
What to do if you do not meet the requirements of the state program

If your family has two or more children, you can buy a car under the Family Car state program. According to it, the state subsidizes 10% (25% for residents of the Far East) of the cost of the car. What conditions must be met to take advantage of the “Family Car” program, which banks you can contact and which car you can buy at a discount, read the material.