Mota ta farko a 2022

Shirin jihar "Motar Farko" a cikin 2022 yana ci gaba da aiki.

Ta nuna kanta da kyau a cikin 'yan shekarun nan: kasafin kudin da aka tanadar mata cikin sauri ya tarwatse zuwa tallafi kuma an tilasta wa gwamnati ta kara wasu kudade. Adadin rangwamen ga masu karɓar lamunin mota na fifiko a cikin 2022 ya canza: 20% na farashin motar (25% ga mazauna Gabas Mai Nisa), maimakon 10% kafin.

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.

Amma kada ka yi mamaki idan a 2022 ka shiga cikin dillalin mota, ka je wurin wani jami'in lamuni ka ce su yi rajistar shirin, kuma suka kafa kafadu. Tallafin da kasafin kuɗi ya keɓe don rancen fifiko yana tashi da saurin walƙiya. Akwai mutane da yawa da suke son siyan mota a ƙarƙashin shirin Mota na Farko. Shekarun da suka gabata sun nuna cewa iyakar kudaden da jihar ta ware don tallafawa ya watse a watannin farko na shekara, matsakaicin na kwata na farko.

Me yasa aka kirkiro shirin Mota na Farko?

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.

Yanayin shirin "Motar Farko"

Ba kowa bane zai iya shiga cikin shirin. Ba a la'akari da matsayin aure, shekaru da kasancewar ko rashin yara.

1. Wannan lamunin mota ne kawai wanda ya sayi mota a karon farko a rayuwarsu. Sai ya zama cewa mota bai kamata a yi rajista da sunan wanda ya aro a da.
2. Matsakaicin lokacin lamuni shine har zuwa shekaru 7. Koyaya, yawancin bankuna suna iyakance ga watanni 36. Wato kana bukatar ka biya kudin mota na tsawon shekaru uku. Don haka, kuna buƙatar ƙididdige ƙarfin kuɗin ku, saboda guntun lokacin lamuni, mafi girman biyan kuɗi na wata-wata.
3. Dole ne motar da aka saya ta kasance cikin gida ko kuma a haɗa ta a cikin ƙasarmu.
4. Nauyin na'ura dole ne ya kasance bai wuce ton 3,5 ba.
5. Farashin kada ya wuce 2 rubles.
6. Dole ne a yi amfani da motar. Shekarar fitarwa - 2021 ko 2022.
7. Ba ku shiga ba kuma ba ku shirin shiga wasu yarjejeniyar lamuni don siyan mota a 2022.

Dates

Wannan shirin ya fara aiki a shekarar 2017. Sannan kuma kasafin da aka tanada domin aiwatarwa ya kare a cikin watanni biyu zuwa uku tun lokacin da aka kaddamar da shi. A zahiri, babu abin da ya canza tun lokacin - tallafin yana warwatse cikin sauri kowace shekara.

Daga ranar 1 ga Maris, 2019, an tsawaita shirin gwamnatin jihar na tsawon shekaru biyu – 2019 da 2020. Daga nan kuma aka san cewa zai ci gaba da aiki har zuwa 2023.

Jerin samfuran

Kamar yadda aka ambata a sama, mota za a iya saya kawai wanda ya dace da bukatun. Kuna iya samun rangwame kawai akan sabon abin hawa, motocin da aka yi amfani da su ba sa shiga cikin shirin.

Don sauƙaƙa zaɓin mota, jerin motocin an tsara su a fili a cikin doka:

• Lada Niva;
• GAZelle "Kasuwanci", Na gaba, "Sobol";
• Lada 4х4 (Legend), Babban, Largus, XRay, Vesta;
• UAZ "Pickup", "Profi", "Patriot", "Hunter" (samfuran 3303, 3741, 3909, 3962, 2206 da gyare-gyaren su;
• motocin lantarki na alamar Evolute, wanda aka kera a masana'antar Motorinvest a Lipetsk. Tare da ƙarin rangwame na 35% (amma ba fiye da 925 dubu rubles ba).

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.

Lura, tun da doka ta kafa iyaka akan farashin mota na 2 miliyan rubles, ba duk jeri daga jerin da ke sama sun faɗi ƙarƙashin lamunin fifiko ba.

A wanne yankuna ne tallan ke aiki?

A bisa ka'ida, yana aiki a duk yankuna. Sai dai abin da ya rage na aikin shi ne, cibiyoyin kudi da ke shiga cikin shirin ba a ko’ina suke ba.

Mazaunan Moscow, St. Ga sauran, muna ba da shawarar ku duba tare da dillalan ku. Yawancin lokaci su da kansu suna magana game da shirin a gidajen yanar gizon su ko ba da bayanai ta waya.

Fakitin takardu da ake buƙata

Bankunan suna buƙatar takaddun masu zuwa daga mahalarta shirin:

• kwafin fasfo da nunawa na asali akan rajista;
• kwafin lasisin tuƙi da na asali akan rajista;
• aikace-aikacen don shiga cikin shirin jihar (wanda aka karɓa daga Bankin);
• takardar shaida daga ƴan sandan da ke kula da zirga-zirgar ababen hawa da ke tabbatar da cewa ba a taɓa yin rajistar motocin tare da ku ba (wasu bankuna suna yin buƙatar da kansu).

Bugu da kari, yuwuwar ƙarin buƙatun bankuna na iya bayyana (ba koyaushe ba kuma ba duka):

• wasu ƙwarewar tuƙi;
• takardar shaidar samun kudin shiga;
• yarda daga mijin aure.

Wadanne bankuna ne ke shiga cikin shirin?

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

• Bankin Zenith;
• Bankin "Saint Petersburg";
• Bankin SOYUZ;
• Bankin "Babban Jari";
• Bankin PSA Finance;
• FastBank;
• VTB 24;
• Gazprombank;
• Ofishin Zane "Verkhnevolzhsky";
• Credit Turai Bank;
• Metcombank;
• Bankin Raiffeisen;
• Rosbank;
• Bankin Rusfinance;
• Sberbank na kasar mu;
• Sviaz-Banki;
• Uralsib;
• Volkswagen Bank RUS;
• Energobank;
• UniCredit Bank.

Jagorar mataki zuwa mataki don siyan mota

Da farko kuna buƙatar tabbatar da cewa zaku iya shiga cikin shirin, sannan ku ci gaba zuwa tsarin rajista.

Wannan yana buƙatar:

1. Tuntuɓi banki ko dillalin mota da nema. Lura cewa yin aiki ta hanyar dillalin mota yana adana lokaci, tunda manajoji sun gabatar da aikace-aikacen zuwa bankuna da yawa a lokaci ɗaya;
2. Gabatar da lasisin tuƙi da fakitin takaddun da ke sama. Sannan za a yi rajistar tarihin kiredit;
3. Jira hukuncin bankin. Daidaitaccen tsarin bitar aikace-aikacen yana ɗaukar kwanaki 3-14. Lamuni na fifiko yana nuna ƙarin lokacin nazarin aikace-aikacen, kuma banki na iya "tunanin" har zuwa wata guda.

Bayan haka, ma'aikatan dillalan za su tuntube ku. Bayan amincewa, za ku buƙaci barin takardar shaidar da ke tabbatar da cewa ba za ku ci bashin wasu motoci ba har tsawon shekara guda.

Sannan tsarin rajista ya zo. Mai ba da rancen zai tura kuɗin ta atomatik zuwa asusun mai siyarwa. Ba a bayar da lamunin mota da tallafi a hannu.

Bayan siyan, zaku iya shiga cikin aminci ga ƴan sandan zirga-zirga da rajistar motar. Daga nan ne kawai za ku buƙaci dawo da TCP zuwa banki, inda za a adana takaddun har sai kun cika biyan bashin.

pitfalls

Lauyan Roman Petrov:

– Akwai ramummuka a cikin kowane shirin jihar, “Motar Farko” ba banda. Lokacin neman lamunin mota, ana sanya abokan ciniki tare da tsawaita CASCO, wanda ke kashe kuɗi da yawa. Ya bayyana cewa, bayan yanke shawarar ajiye kuɗi, kun "tashi a cikin" wani 100 dubu saboda CASCO kuma tallafin da jihar ta keɓe ba a biya bashin babban bashi ba, amma akan ƙarin ayyuka wanda wani ba ya buƙatar kwata-kwata.

Don haka, kafin yanke shawarar amfani da wannan shirin, tabbatar da yin lissafin - shin yana da fa'ida sosai a gare ku? Idan har yanzu yana da riba, to, kuyi sauri - tallafi ya ƙare da sauri.