Features of the car loan for large families

Increased fertility in Russia on 3% per year makes the government of the country think about providing assistance to large families. People who have several children always needed and will need to support the state.

Acquisition of a car - a joyful event in the life of any person. Especially its own car is needed in a large family.

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Preferential car loan for large families - this is a chance to take possession of the cherished vehicle by caring parents.

Essence support

Currently, there are no specialized large families in the receipt of the car loan (the state seeks to provide in need of need). But they can become participants in the program of preferential car loans, which gives the convenient possibility of acquiring a means of movement.

Unlike representatives of other types of unprotected segments of the population, the parents of three and more children have the opportunity to participate in the current programs of the preferential car loan. Such banking products are recognized as convenient to use. This is the result of the activities of the state aimed at raising the birth rate.

To get a loan on favorable terms, a large family needs to provide a package of documents that should be the most complete. First of all, the borrower must submit a passport of a citizen of the Russian Federation with registration in the country at least 10 years and certificate from the place of work. In addition, a copy of the employment record is useful.

To prove its solvency, you may have to collect documentary confirmation of information about the income of all family members, or enlist the support of a person with a worthy level of earnings that has a permanent job. The best loan conditions are provided to customers with the most complete package of documents.

Car loan for large families in Sberbank of Russia and other major financial structures can be obtained if the client presents evidence that after receiving the loan, the family will retain the normal standard of living. Such a banking product is part of the lending programs for beneficiaries.

Search for a suitable option

At first glance it seems that the benefits of the car loan in all banks are the same. But it is worth spending time to study the conditions for the provision of a loan by various financial organizations to find an optimal option for yourself.

To find out the conditions for providing a loan in a bank, large parents should issue a statement directly in the financial institution under study or fill out an online questionnaire.

Call from the bank will have to wait about 3 days

Where they give out

Currently, specialized programs for issuing a car loan for large families work in all major financial structures. Most of them, including Sberbank of Russia, such a product separately includes lending programs to representatives of preferential categories.

The best credit conditions (11% per annum - loan payment) on the purchase of a car in 2019 are provided subject to the following conditions:

the cost of the vehicle does not exceed 3 000 000 rubles;
own weight machine no more 3.5 tons;
the car must be necessarily only Russian production;
the car was not in operation.

On such conditions, loans to large families, for example, gives Gazprombank. At the same time, the family can count on the purchase of gazelles.

Choosing a bank

For large families, many banks exist preferential conditions for lending to buy a car.

When choosing a place for receiving car loans, pay attention to "mature" financial structures that have been existing for a long time (for example, Sberbank of Russia, Alfa-Bank, Moscow Bank, Gazprombank, VTB 24 and some others). They are more stable and their interest rate is less than that of newly emerging competitors.

Name of the bank	The highest amount / rubles	Percent percent per year /%
	5 600 000	From 11,75 and higher
Bank of Moscow	5 000 000	12
	5 000 000	13,5
	1 500 000	14
	2 800 000	15
	3 000 000	16

With its regular customers, banks willingly "go to the meeting", this circumstance should also be considered, choosing a place of receipt of funds. So, first of all, it is necessary to consider the financial structure through which family members receive a salary or a deposit is issued there.

In addition, benefits are provided with military personnel, employees of budget organizations, young families (the age of one of the parents does not exceed 35 years). You need to pay attention to whether large parents fall into any category from those listed and participate in the relevant program.

The car is a serious acquisition. Therefore, many families should be thoughtfully approaching this issue. It is necessary to determine the brand of the machine and accumulate the initial contribution (most often it is about 15% from the cost of a car).

In addition, it is not necessary to abandon participation in the promotions carried out by car dealers at the end of the year in order to attract new customers.

All family members will remain satisfied with the new acquisition, if the conditions of the car loan are correctly selected, they are clear and not burdensome for the payer

What is the benefit

Existing programs of preferential lending to large families give the following benefits:

annual interest rate varies in the range from 12% to 16%;
the loan can be obtained without the initial contribution;
payment occurs monthly with the same amounts;
loan size can reach 1 500 000 and more rubles.

The obvious advantage of such car loans is also the lack of the need for insurance of CASCO. At the same time, the interest rate on the loan does not increase, the car owner does not pay interest for insurance for this program.

The final payment of interest on the loan decreases depending on the following points: