Mobil pisanan ing 2022

Program negara "The First Car" ing 2022 terus dioperasikake.

Dheweke wis nuduhake awake dhewe ing taun-taun pungkasan: anggaran sing disedhiyakake kanggo dheweke cepet kasebar dadi subsidi lan pamrentah malah kepeksa nambah jumlah. Jumlah diskon kanggo panampa silihan mobil preferensial ing 2022 wis diganti: 20% saka biaya mobil (25% kanggo residents saka Timur Jauh), tinimbang 10% sadurunge.

According to the latest data from Avtostat, there are already 45,5 million cars on roads. In addition, the number of people who want to get behind the wheel is growing rapidly every year. Buying a car is not cheap, and some newcomers have to put aside a dream for several years or take it out on a car loan.

Nanging aja kaget yen ing taun 2022 sampeyan mlebu menyang dealer mobil, nyedhaki petugas utangan lan njaluk supaya ndhaptar program kasebut, lan dheweke ngangkat bahu. Subsidi sing dialokasikan anggaran kanggo silihan preferensial mabur kanthi cepet. Ana akeh wong sing pengin tuku mobil ing program First Car. taun kepungkur wis ditampilake sing watesan dana diparengake dening negara kanggo support buyar sak sasi pisanan taun, maksimum ing waktu pisanan.

Kenapa program First Car digawe?

In order to help new motorists purchase vehicles, the authorities created the First Car program. Although if you look for some law or regulation with that name, you will not find anything. For those who like to read the document in the original source, you can read Decree of the Government of the Federation of April 16, 2015 No. 364 – these are the full rules of the First Car program in Our Country.

A special system in the form of concessional lending was developed by the Ministry of Industry and Trade of the Federation. The essence of the program is that every driver who is ready to buy a car under the program receives a 20% discount on a car. But only if he takes it on credit.

Ketentuan program "First car"

Ora saben wong bisa melu program kasebut. Status perkawinan, umur lan anané utawa ora ana anak ora dianggep.

1. Pinjaman mobil iki mung bisa dijupuk dening wong sing tuku mobil kanggo pisanan ing urip. Pranyata mobil kasebut mesthine ora tau didaftar ing jeneng sing nyilih sadurunge.
2. Jangka utang maksimal nganti 7 taun. Nanging, umume bank diwatesi nganti 36 wulan. Sing, sampeyan kudu mbayar mobil kanggo telung taun. Mulane, sampeyan kudu ngetung kemampuan finansial, amarga luwih cendhek jangka waktu silihan, luwih dhuwur pembayaran saben wulan.
3. Mobil sing dituku kudu domestik utawa dirakit ing Negara Kita.
4. Massa mesin kudu ora luwih saka 3,5 ton.
5. Biaya ngirim ora ngluwihi 2 rubles.
6. Mobil kudu ora digunakake. Taun rilis - 2021 utawa 2022.
7. Sampeyan durung mlebu lan ora rencana mlebu perjanjian utangan liyane kanggo tuku mobil ing taun 2022.

tanggal

Program iki wiwit operasi ing 2017. Banjur budget glethakaken mudhun kanggo implementasine wis kesel wis ing rong kanggo telung sasi saka wayahe diluncurake. Bener, ora ana owah-owahan wiwit iku - subsidi cepet banget kasebar saben taun.

Wiwit tanggal 1 Maret 2019, program pemerintah negara kasebut dilanjutake rong taun maneh - 2019 lan 2020. Lan banjur dikenal bakal berlaku nganti 2023.

Dhaftar model

Kaya kasebut ing ndhuwur, mobil mung bisa dituku sing nyukupi syarat. Sampeyan bisa entuk diskon mung ing kendaraan anyar, mobil bekas ora melu program kasebut.

Kanggo nyederhanakake pilihan mobil, dhaptar kendaraan kasebut kanthi jelas ing hukum:

• Lada Niva;
• GAZelle "Bisnis", Sabanjure, "Sobol";
• Lada 4х4 (Legenda), Agung, Largus, XRay, Vesta;
• UAZ "Pickup", "Profi", "Patriot", "Hunter" (model 3303, 3741, 3909, 3962, 2206 lan modifikasi;
• kendaraan listrik merek Evolute, diprodhuksi ing pabrik Motorinvest ing Lipetsk. Kanthi diskon tambah 35% (nanging ora luwih saka 925 ewu rubel).

Previously, under this program, it was possible to buy a number of foreign cars that were assembled at factories. In 2022, they are no longer included in the program.

Wigati dimangerteni, amarga angger-anggering Toret nemtokake watesan rega mobil 2 yuta rubel, ora kabeh konfigurasi saka dhaptar ing ndhuwur ana ing silihan preferensial.

Ing wilayah endi promosi kasebut sah?

Secara resmi, beroperasi ing kabeh wilayah. Nanging minus tumindak kasebut yaiku lembaga keuangan sing melu program kasebut ora ana ing endi-endi.

Pendhudhuk Moskow, St. Petersburg, Kazan, Nizhny Novgorod, Volgograd, Samara, Ufa, Chelyabinsk, Novosibirsk, Yekaterinburg lan Rostov-on-Don mesthi bisa njupuk kauntungan saka tawaran sing nguntungake iki. Kanggo liyane, disaranake sampeyan mriksa karo dealer sampeyan. Biasane dheweke dhewe ngomong babagan program kasebut ing situs web utawa menehi informasi liwat telpon.

Paket dokumen sing dibutuhake

Bank mbutuhake dokumen ing ngisor iki saka peserta program:

• salinan paspor lan demonstrasi asli nalika registrasi;
• salinan lisensi driver lan asli nalika registrasi;
• aplikasi kanggo partisipasi ing program negara (dijupuk saka Bank);
• sertifikat saka polisi lalu lintas sing ngonfirmasi yen mobil-mobil kasebut sadurunge ora didaftar karo sampeyan (sawetara bank nggawe panjaluk kasebut).

Kajaba iku, syarat tambahan bank bisa uga katon (ora mesthi lan ora kabeh):

• pengalaman nyopir tartamtu;
• sertifikat penghasilan;
• idin saka pasangan.

Bank apa sing melu program kasebut?

The complete approved list is published on the website of the Ministry of Industry and Trade of the Federation.

• Bank Zenith;
• Bank "Saint Petersburg";
• SOYUZ Bank;
• Bank "Modal Investasi";
• Bank PSA Finance;
• FastBank;
• VTB 24;
• Gazprombank;
• Biro Desain "Verkhnevolzhsky";
• Kredit Eropah Bank;
• Metcombank;
• Raiffeisenbank;
• Rosbank;
• Bank Rusfinance;
• Sberbank Negara Kita;
• Sviaz-Bank;
• Uralsib;
• Volkswagen Bank RUS;
• Energobank;
• Bank UniCredit.

Pandhuan langkah demi langkah kanggo tuku mobil

Pisanan sampeyan kudu nggawe manawa sampeyan bisa melu ing program, lan banjur nerusake kanggo prosedur registrasi.

Iki mbutuhake:

1. Hubungi bank utawa dealer mobil lan aplikasi. Elinga yen nglamar liwat dealer mobil ngirit wektu, amarga manajer ngirim aplikasi menyang sawetara bank bebarengan;
2. Tampilake lisensi driver lan paket dokumen ing ndhuwur. Banjur mriksa riwayat kredit bakal ditindakake;
3. Ngenteni keputusane bank. Proses review aplikasi standar njupuk 3-14 dina. Pinjaman preferensial nyebabake wektu tambah kanggo sinau aplikasi kasebut, lan bank bisa "mikir" nganti sasi.

Sawise iku, staf dealer bakal ngubungi sampeyan. Sawise disetujoni, sampeyan kudu ninggalake kuitansi sing konfirmasi yen sampeyan ora bakal nyilih mobil liyane kanggo setahun.

Banjur rawuh proses registrasi. Sing menehi utang bakal kanthi otomatis nransfer dhuwit menyang akun penjual. silihan mobil lan subsidi ora ditanggepi ing tangan.

Sawise tuku, sampeyan bisa kanthi aman menyang polisi lalu lintas lan ndhaptar mobil. Mung banjur sampeyan kudu mbalekake TCP menyang bank, ing ngendi dokumen kasebut bakal disimpen nganti sampeyan mbayar utang kanthi lengkap.

Pitfalls

Pengacara Romawi Petrov:

- Ana pitfalls ing sembarang program negara, "First Automobile" ora istiméwa. Nalika nglamar kanggo silihan mobil, pelanggan dileksanakake karo CASCO lengkap, kang biaya akèh dhuwit. Ternyata, sawise mutusake kanggo nyimpen dhuwit, sampeyan "mabur" liyane 100 ewu amarga CASCO lan subsidi sing dialokasikan dening negara ora digunakake kanggo mbayar utang pokok, nanging kanggo layanan tambahan sing ora dibutuhake wong.

Dadi, sadurunge mutusake nggunakake program iki, mesthine kanggo ngetung - apa pancene migunani kanggo sampeyan? Yen isih nguntungake, banjur cepet-cepet - subsidi rampung kanthi cepet.