Car loan with state subsidies

The crisis is always helpful. If it was not, then hundreds of thousands of Russians would be unable to buy a new car, with the support of the state. On April 8, 2009 on the territory of Russia is implementing a program to provide a loan to government subsidies. Its essence lies in the fact that the federal budget to the bank offset some losses in connection with the issuance of a cheaper loan motorist. What are the requirements? By car. Bonus is available to buyers of economy-class vehicles that cost up to 600 thousand rubles. And the loan amount from 45 to 510 thousand rubles. Cars must not weigh more than 3.5 tons must be new. Downpayment buyer must be a minimum of 15% of the price selected cars. Term: 3 to 36 months. All commissions are not available, but the car is taken by the bank as collateral, and it will have to insure against theft or damage. To the borrower. He must have Russian citizenship, to be aged between 21 and 75 years. Specific requirements for length of service: current place of work a person must take more than 6 months and have a continuous record of more than 1 year for the last 5 years. Documents. They are served in two stages. The first stage - the loan application: an application for a loan applicant's passport (borrower and the guarantor), military ID, certificate of employment / statement of accounts on the financial viability. The second stage - a contract of sale of the vehicle through for its payment, copy of registration certificate, insurance policy, proof of payment of the down payment, the invoice for payment of insurance premiums and consent of the husband / wife on the loan and transfer machines as collateral. Bets are made loan amount is the difference between the current interest rate of bank and 2 / 3 of the Central Bank refinancing rate (currently 7.75%), ie, the rebate is 2 / 3 * 7.75 = 5.16%, and the total cost of borrowing at the rate of the bank at 12% per annum is obtained: 12% -5.16% = 6.84%. There are plenty to choose from Get car loan with state subsidies for Aby which car will not work. The state supports only domestic automaker, so you can choose one of 50 models of the following brands: Chevrolet Niva, Chevrolet Cruze, Fiat Albea, Fiat Doblo, Fiat Ducato, Ford Focus, Kia Spectra, Lada-1117, Lada-1118, Lada-1119, Lada -2104, Lada-2105, Lada-2107, Lada-2111, Lada-2112, Lada-2113, Lada-2114, Lada-2115, Lada-2121, Lada-2131, Lada-2170, Lada-2171, Lada-2172 , Lada-2329, Renault Logan, Skoda Fabia, Skoda Octavia, UAZ Hunter, UAZ Patriot, UAZ Pickup, GAS-2217, GAZ-2310, GAZ-2705, GAZ-2752, GAZ-3221, GAZ-3302, UAZ-2206 , UAZ 2360, UAZ-3303, UAZ-3741, UAZ-3909, UAZ-3962, Volga Siber, IL-3717, Hyundai Sonata, Hyundai Accent, TagAZ C100, TagAZ Road Partner, TagAZ Tager, TagAZ LC100. Hurry up, loans are provided on these terms until the end of 2010!