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What is the state program of preferential car loan?

What is the state program of preferential car loan?

On 1 July 2013 the Government launched a program of preferential car loan.

In July, it launched state program of subsidizing interest rates on car loans for banks. For a similar program loans 263,000 (filed 582,000 applications) were issued in 2011.

Key terms of the program:

- Subsidies to banks is 5.5% per year. (Floating rate. It depends on the rate of the Central Bank). Thus, on average, banks are in the same size will reduce interest rates on car loans.

- The program includes cars cost up to 750 thousand rubles.. and weighing up to 3.5 tonnes.

- The car is made of not more than 1 year ago, is not made up on this person, was not registered.

- Down payment on car must not be less than 15%.

- Term of the loan under the program up to 3 years.

- The amount of money is limited, so the deadline for the program is determined by their presence.

According to the calculations of the partner, the financial portal Bancloud.ru, the program will help to save up to 60 thousand rubles for the interest payments to the bank credit. This is a good support for the car loan buyers.

By participating in this program, the buyer can choose a car from the following models:
Chevrolet Niva, Chevrolet Aveo, Chevrolet Cobalt,Chevrolet Cruze, Citroen C4, Daewoo Nexia, Daewoo Matiz, Ford Focus III, Hyundai Solaris, Kia Cee'd, Kia Rio, Lada Granta, Lada Largus, Lada Priora, Lada Kalina, Lada Samara, Mazda 3, Mitsubishi Lancer, Nissan Note , Nissan Tiida, Opel Astra, Renault Logan, Skoda Fabia, Toyota Corolla, Volkswagen Polo and others.

Before going to issue a loan at the dealershipfind the center offers all the banks. Just remember that in most cases, credit for calls CASCO insurance for the entire loan term, which significantly increases the cost of acquiring a car.

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