Program preferential car loan is not renewed in 2012, told the deputy head of the Department of Automotive Industry of the Russian Federation Alexey Zhidyaev at a conference on avtoriteylu. The official explained the decision by the fact that cars in the country and so it sells well. Experts predict a contraction of the market, which, in their opinion, and already there are serious prerequisites for growth.
Subsidies to banks under the program of preferential car loans have become a taken by the authorities during the crisis, measures to support domestic producers. The program was financed from the budget of the Russian Federation since 2009. Its essence is that the state assumes part of the mortgage payments themselves, subsidizing two-thirds of refinancing. In practice, this means that if a bank issues a normal car loan, for example, by 15-18%, the final consumer through reduced program pays in excess of the cost of the machine only 9-10% per annum.
Originally was formed by a rather limited list of cars, which may extend credit facilities, mainly cars of the domestic production. But then the list has been significantly expanded by cars collected in the country. This was facilitated by raising the ceiling limit value of «soft» machines. At first it was set at 350 thousand rubles. And then increased to 600 thousand turned out that the program provides an opportunity for citizens to acquire a preferential loan is quite decent «iron horse», though not in the most luxurious package. Domestic consumers, for the most part are not rich, a gesture appreciated States. According to the Industry and Trade Ministry, only for the second phase of the program was issued 179.11 thousand credits, and the total number of applications reached 408.54 thousand was also pleased with the car industry — sales have risen, production began to revive after a severe crisis.
However, the band played a short time. More precisely, not as long as we would like many people, who gathered in the next year to buy or replace the car. «To date, the budget for the program's concessional lending for the year 2012 funds are not provided,» — said yesterday the deputy head of the Department of Automotive Industry of the Russian Federation Alexey Zhidyaev, adding that the Russian car market is growing and urgent need for this measure is not available. So rates on car loans next year subsidized by the budget will no longer be.
Meanwhile, in late September it was reported that the preferential car loan program in 2012 will be expanded, and the Treasury under this deal ostensibly to allocate 3 billion 253 million rubles. On this official said: The draft federal budget for next year is really laid it such amount, not to continue the program and for grants to Russian banks at discounted auto loans issued in 2009—2011.
Commenting on the decision by the authorities, head of analytical department of the agency «Autostat» Andrew Toptun said: "Abolition of preferential car loan in conjunction with the termination of the recycling program will lead to machines that sales of vehicles produced by domestic companies, will next year at current or even fall. This measure looks odd, considering that now and already there are no preconditions for the growth of the automotive market. If this year increased by 30%, then the next hardly exceed 5%. At the «AvtoVAZ» in 2012 are expected slowdown in sales. If this year has sold 50 thousand vehicles, including through recycling programs, and preferential credits, then the next is unlikely to be sold for more than 30 thousand cars.
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