C last Monday in Russia has finally earned a program of preferential car loan. And we had a "Sanchez" by banks and car dealerships under the guise of ordinary budget car buyers who are trying to get cheap credit. And you will not believe it, almost got it. Another thing that came to light during the raid, some nuances that are slightly chilled the desire to take it, "Putin's" credit. We recall the basic facts. In 2009, the government has allocated two billion rubles (four billion more will be added later), which will be used to compensate for the overpayment to bank loans for car buyers. The amount of compensation will amount to 8.66%, so if the interest rate on conventional loans is equal to, for example, 15%, at a reduced - 6.34%. It's tempting, is not it? True, the program only applies to vehicles of specific Minpromtorga List, which includes almost all models of Lada, UAZ Hunter and six cars: Renault Logan, Fiat Albea, Skoda Fabia, Chevrolet Niva, KIA Spectra and Ford Focus. The list also was a Volkswagen Jetta, but eventually he was expelled. With a base price of more than 600 thousand rubles, surprisingly, on what he did cronyism was there. To lend authority to the three organizations - the Savings Bank, "VTB 24" and the Agricultural Bank. All three banks have offices Chelyabinsk. Announce the entire list, please! Under the concessional lending program will only include the price of cars up to 350 thousand rubles, and it is not about the initial cost of the model, and its actual price in the selected configuration at the time of purchase. This condition is satisfied all the Lada and many complete Renault Logan. But with other machines is more complicated. So, now, price-list price of Fiat Albea starts from 349 rubles, but in the cabin "AutoAlliance" we were told that in the presence of these machines there, and if you take on the job and the price will have a new - from 366 000 rubles. Minus one. Hearing on preferential list, Ford lowered the price of the underlying "Focus" with 389 to 345 thousand. The machine, of course, is not so hot - the three-door body, 80-horsepower engine, without ABS, air conditioning and other "bells and whistles." But it's not the point. The main thing is to buy a Ford while it is impossible, and in "Earth Car" was told that most likely the machine will be available by July-August. And now the most affordable car is the availability of 436 000. Minus two. After the recent increase in Skoda Fabia 1.2 is from 349 rubles, but there again, no such vehicles, and attempts to order "Fabius-lite" failed. The minimum price of the car in stock, "Cascade Motors" - 462 thousand rubles. True, we were asked to divide this sum into two parts in 350 000 and 112 000, where the second is made a separate account for dopoborudovanie. Then the discount program can take credit for the 350 thousand, while the rest pay "nalikom" or to issue additional credit. That's only if there is sense in it? In fact, besides the 30 per cent discounts (105 000), CTP insurance and comprehensive insurance, you have to pay another 112 000 for dopa. That is, to about 250 thousand rubles. But then we can arrange a loan and profitable without government subsidies, so this option does not look particularly attractive. Minus three. UAZ Hunter is at least 374,000 rubles, and the release versions with engines UMZ (from 312,000) Discontinued. Minus four. Price Chevrolet Niva starts from 412 rubles, and when asked about the reductions in his voice heard consultants offended tone. Minus five. KIA Spectra will cost at least 379 000 and there are no exceptions - minus six. Thus, while using the preferential credit can only be bought all sorts of Lada and Renault Logan. It is noteworthy that AvtoVAZ and Renault - partners, so that the list of "survivors" for some reason is not surprising. Well, God bless him, try to get credit for "Lada" or "Logan." But the good news actually subsidized credit is profitable! In the Savings Bank rate is 6.33%, so buying a Lada Priora for 303 000 rubles for 31 months using a credit you overpay, only 18 thousand. If we take the usual "sberovsky" auto loans for the same period with a rate of 16%, the overpayment amount to almost 47 thousand. True, taking into account bank fees effective rates are obtained higher - 8.17% and 19.17% respectively - but in any case, the long-term soft loan will save about 30-40 rubles (on average - 1,000 rubles per month). The bank "VTB 24" higher interest rates - to 11.33% and 10.33 Lada Priora% for the Renault Logan. Another significant minus - the credit is given only for two years with a deposit of 30%, so the payment on the average obtained at 2-3 thousand rubles more than in the Savings Bank (for the Lada Priora cost 303 000 - 10.303 rubles a month for the cost Renault Logan 305 000 - 10.204 rubles). However, there are advantages - in contrast to the Savings Bank "VTB 24" takes the form of help for the bank, which allows you to light the full salary. The third member of the program is RAB, but in Chelyabinsk office told us that while taking a soft loan will not work - go to any approval and agreement. Information that RAB would require only a 5 per cent deposit, we can not confirm this. "Most likely, conditions will be approximately the same for all banks, and in any case 5% - this is a very low advance", - the representative of the RAB. Countdown to visit the credit department of Sberbank has revealed new nuances. Many media advertised that concessional loans will be given for 3 years (36 months), but in reality it is not so. Under the program the last payment must be made in December 2011, so if you take out a loan now, in April 2009, his term will be 31 months. And as time goes on it will be shorter, and hence increase the monthly payments. If you arrange the loan at the end of the year, the period will be only 24-25 months. The "VTB 24" is given credit once for a maximum of 24 months. But no special documents to obtain a soft loan is needed. It takes only an income statement (2-PIT) for the last six months, a certified copy of the work book and copy all passport pages. Savings Bank, like many others, does not take income statement in the free form, so be guided only by "white" part of their salaries. Application pendency period of five working days and, if approved, the proposal of the bank will actually 90 days. Bought a car loan to insure each year for comprehensive insurance and CTP, and also once a year to bring its security service bank for external examination. "VTB 24" income statement takes the form of bank, and while it's only the dignity of their loan before the "sberovskim," which we were able to detect. Not very convenient that both banks, the first hull insurance can not be included in the loan amount, so you can either pay cash or take a particular loan. In the insurance case you are obliged to inform the Bank and Credit Commission to get permission to repair. In this and other bank soft loan includes a prepayment of at least 30% of the cost of the car that you want to add the cost of insurance and registration fees, so when buying Priora for 303 000 to have on hand a minimum of 123 000 rubles (data autofocus "Chelyabinsk- Lada "). This amount may increase the cost of additional equipment (protection of the crankcase, signaling, mud flaps), but if desired, these costs can be included in the loan - the only thing necessary to reflect this fact in the contract. Remember also that public money is enough for about 175 000 vehicles, that is, sooner or later, the quota will be selected. Therefore, if the government decided to take a gift, do not tighten much more so in the Savings Bank loan term decreases with each passing month. Advantageous if the loan? However, before you run to the bank, look at the situation from the other side. The weak link is the limited preferential loans and loan term is not the lowest initial payment. In fact, many in the first place is not worried about a paltry overpayment on the loan and lower monthly payments and down payment. And then there are options. For example, instead of the soft loan you can come in and take Sberbank ordinary car loan for five years (60 months). As a result, at the same pre-paid, up to 31 months you will pay for about 2,000 rubles a month less than in the case of "Putin's" credit, taken in the same Savings Bank (not to mention the "VTB 24"). Another thing is that then have to pay for the 3600-5000 rubles per month for two more years, but many are so far in the future is not worried. After three years remaining debt can podest inflation, and someone, probably hoping to get rich. Where daunting question of where to take the money tomorrow. The situation is similar to the Logan, which can be purchased at the program bank UniCredit, «sponsored" by Renault. Of course, the rate of about 17-18% against 6.33% seems draconian, but in practice the difference is not so significant. For example, Logan for 305 rubles you can buy on credit for 36 months with a deposit of 61 thousand rubles. Then the monthly payment amount to about 8.7 thousand rubles, which is an average of only 1,500 rubles more than in the case of a soft loan of Sberbank. Or another example: the purchase of "expensive» Logan-conditioned for 349 rubles, you can use the "Putin" loan with monthly 8-9 thousand rubles (see table). And you can make a five-year loan from a bank UniCredit, and then monthly payments will be only 7000 rubles. What is more important - long-term benefits and low monthly payments - you decide. Loans subsidized by the automakers, have other advantages - the opportunity to stretch the loan for a longer period, to include insurance in Casco amount of credit and buy a car that costs more than 350 thousand rubles (not only of the List). In addition, the interest rate depends on the initial payment and the loan term, and in some cases may fall to 0%! For example, under such conditions is proposed annual credit for Logan with a 50 percent deposit. Yes, the monthly payment will be about 12-15 thousand, but you'll enjoy almost free credit. The result? Preferential credit really beneficial, but the trouble is that with all the eye candy on paper, it does not solve the basic problem. What we expect from government? We waited for a program that would be motivated to buy, even those who did not plan to acquire or fear a new car. We waited for an offer that you can not refuse. And that got? First, the credit is valid for a very limited number of machines. Secondly, the savings at 1000-1500 rubles per month is unlikely to be the decisive argument in question, buy a car now or wait until next year. Of course, the Russians will enjoy preferential loans, and we have no doubt that the quota will be selected relatively quickly. However, the issue will come to those who wanted to buy the car anyway, so a sharp increase in demand for cars (ie, attract new customers) can hardly. In order to stimulate the market in global terms, we need "long" loans with low down payment. For example, when buying a Lada Priora loans for five years, the overpayment is about 90 thousand rubles (Savings Program). Suppose the state has agreed to offset this amount, and then the monthly payment with a 30 percent advance payment amounted to only 3.5 thousand rubles! Plus, people feel there would be a freebie, but this will agree, a powerful incentive. Then, for the implementation of 200 thousand cars to the State would take 18 billion rubles, which is another 12 billion to the already reserved six. This money can be extracted from the huge funds allocated to state agencies to buy domestic cars, as well as money for direct support of AvtoVAZ, plus a means for free shipping cars to the Far East (which in general is questionable idea, since so many companies and acknowledge one pricing policy across Russia). And then the Russians rushed to showrooms to buy "priority", "classic" and "Logan", and the car manufacturers and dealers would have received life-saving injection of 50 billion rubles (!) As honestly earned money before the end of the year. And in the current form of soft loans - it is just another financial product. Cool, comfortable, but not exceptional. Today, subsidized credit programs offered by many manufacturers - Renault, Ford, Nissan, Chrysler, etc. - And in some cases the credit rate drops to 0-3%. Against this background, "Putin's" credits do not look like something out of the ordinary. Although in principle they are beneficial, and if you plan to buy "Lada" or "Logan" in the near future - take advantage of the opportunity. By the way, in our last survey the vast majority of readers expressed skepticism about the effectiveness of concessional loans. And, in general, they were right. Artem KRASNOV
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