Ọkọ ayọkẹlẹ akọkọ ni ọdun 2022
Lati ṣe iranlọwọ fun awọn awakọ alakobere lati ra ọkọ ayọkẹlẹ ni iyara, a ṣẹda eto Ọkọ ayọkẹlẹ akọkọ, laarin eyiti o le gba ẹdinwo 20% nigbati o ra ọkọ ayọkẹlẹ kan. Ni oye bi eto yii ṣe n ṣiṣẹ ni 2022

Eto ipinlẹ “Ọkọ ayọkẹlẹ akọkọ” ni ọdun 2022 tẹsiwaju lati ṣiṣẹ.

O ti fi ara rẹ han daradara ni awọn ọdun aipẹ: awọn isuna-inawo ti a gbe kalẹ fun u ni kiakia tuka sinu awọn ifunni ati pe ijọba paapaa fi agbara mu lati ṣafikun awọn oye. Iye ẹdinwo fun awọn olugba ti awọn awin ọkọ ayọkẹlẹ ayanfẹ ni ọdun 2022 ti yipada: 20% ti idiyele ọkọ ayọkẹlẹ (25% fun awọn olugbe ti Iha Iwọ-oorun), dipo 10% ṣaaju.

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.

Ṣugbọn maṣe jẹ ki ẹnu yà ọ boya ni 2022 ti o ba rin sinu ọkọ ayọkẹlẹ kan ti n ta ọkọ ayọkẹlẹ kan, sunmọ oṣiṣẹ awin kan ki o beere lọwọ wọn lati forukọsilẹ fun eto naa, wọn si fa awọn ejika wọn. Awọn ifunni ti isuna n pin fun awọn awin ayanfẹ fò lọ ni iyara monomono. Ọpọlọpọ eniyan lo wa ti o fẹ ra ọkọ ayọkẹlẹ labẹ eto Ọkọ ayọkẹlẹ akọkọ. Awọn ọdun ti o ti kọja ti fihan pe opin awọn owo ti a pin nipasẹ ipinle fun awọn tuka atilẹyin ni awọn osu akọkọ ti ọdun, ti o pọju ti mẹẹdogun akọkọ.

Kini idi ti eto ọkọ ayọkẹlẹ akọkọ ti ṣẹda?

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.

Awọn ipo ti eto naa "ọkọ ayọkẹlẹ akọkọ"

Ko gbogbo eniyan le kopa ninu eto naa. Ipo igbeyawo, ọjọ ori ati wiwa tabi isansa ti awọn ọmọde ko ṣe akiyesi.

  1. Awin ọkọ ayọkẹlẹ yii le gba nipasẹ awọn ti o ra ọkọ ayọkẹlẹ fun igba akọkọ ninu igbesi aye wọn. O wa ni pe ọkọ ayọkẹlẹ ko yẹ ki o ti forukọsilẹ ni orukọ oluyawo tẹlẹ.
  2. Akoko awin ti o pọju jẹ to ọdun 7. Sibẹsibẹ, ọpọlọpọ awọn banki ni opin si awọn oṣu 36. Iyẹn ni, o nilo lati sanwo fun ọkọ ayọkẹlẹ fun ọdun mẹta. Nitorinaa, o nilo lati ṣe iṣiro awọn agbara inawo rẹ, nitori kukuru akoko awin, sisanwo oṣooṣu ti o ga julọ.
  3. Ọkọ ayọkẹlẹ ti o ra gbọdọ jẹ ile tabi pejọ ni Orilẹ-ede Wa.
  4. Iwọn ti ẹrọ naa ko gbọdọ jẹ diẹ sii ju 3,5 toonu.
  5. Iye owo ko yẹ ki o kọja 2 rubles.
  6. Ọkọ ayọkẹlẹ gbọdọ jẹ ajeku. Odun itusilẹ - 2021 tabi 2022.
  7. Iwọ ko wọle ati pe ko gbero lati tẹ awọn adehun awin miiran fun rira ọkọ ayọkẹlẹ kan ni 2022.

ọjọ

Eto yii bẹrẹ si ṣiṣẹ ni ọdun 2017. Lẹhinna isuna ti a gbe kalẹ fun imuse rẹ ti pari tẹlẹ laarin oṣu meji si mẹta lati akoko ifilọlẹ. Lootọ, ko si ohun ti o yipada lati igba naa – iranlọwọ naa yarayara tuka ni gbogbo ọdun.

Lati Oṣu Kẹta Ọjọ 1, Ọdun 2019, eto ijọba ipinlẹ naa gbooro fun ọdun meji miiran - 2019 ati 2020. Ati lẹhinna o di mimọ pe yoo wulo titi di ọdun 2023.

Akojọ ti awọn awoṣe

Gẹgẹbi a ti sọ loke, ọkọ ayọkẹlẹ le ṣee ra nikan ti o pade awọn ibeere. O le gba ẹdinwo nikan lori ọkọ tuntun, awọn ọkọ ayọkẹlẹ ti a lo ko kopa ninu eto naa.

Lati jẹ ki yiyan ọkọ ayọkẹlẹ rọrun, atokọ ti awọn ọkọ ti wa ni itọsi ni kedere ninu ofin:

  • Lada Niva;
  • GAZelle "Owo", Itele, "Sobol";
  • Lada 4х4 (Arosọ), Nla, Largus, XRay, Vesta;
  • UAZ "Agbẹru", "Profi", "Patriot", "Hunter" (awọn awoṣe 3303, 3741, 3909, 3962, 2206 ati awọn iyipada wọn;
  • awọn ọkọ ina mọnamọna ti ami iyasọtọ Evolute, ti a ṣejade ni ọgbin Motorinvest ni Lipetsk. Pẹlu ẹdinwo ti o pọ si ti 35% (ṣugbọn kii ṣe ju 925 ẹgbẹrun rubles).

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.

Jọwọ ṣe akiyesi, niwọn bi ofin ṣe ṣeto opin lori idiyele ọkọ ayọkẹlẹ kan ti 2 million rubles, kii ṣe gbogbo awọn atunto lati atokọ ti o wa loke ṣubu labẹ awin yiyan.

Ni awọn agbegbe wo ni igbega naa wulo?

Ni deede, o ṣiṣẹ ni gbogbo awọn agbegbe. Ṣugbọn iyokuro ti iṣe ni pe awọn ile-iṣẹ inawo ti o kopa ninu eto naa ko si nibi gbogbo.

Awọn olugbe ti Moscow, St. Fun awọn iyokù, a ṣeduro pe ki o ṣayẹwo pẹlu awọn oniṣowo rẹ. Nigbagbogbo wọn tikararẹ sọrọ nipa eto naa lori awọn oju opo wẹẹbu wọn tabi fun alaye nipasẹ foonu.

Ti a beere package ti awọn iwe aṣẹ

Awọn ile-ifowopamọ nilo awọn iwe aṣẹ wọnyi lati ọdọ awọn olukopa eto:

  • ẹda iwe irinna ati ifihan atilẹba lori iforukọsilẹ;
  • ẹda iwe-aṣẹ awakọ ati atilẹba lori iforukọsilẹ;
  • ohun elo fun ikopa ninu eto ipinle (ti o gba lati Bank);
  • ijẹrisi lati ọdọ ọlọpa ijabọ ti n jẹrisi pe awọn ọkọ ayọkẹlẹ ko forukọsilẹ tẹlẹ pẹlu rẹ (diẹ ninu awọn banki ṣe ibeere funrararẹ).

Ni afikun, awọn ibeere afikun ti awọn banki le han (kii ṣe nigbagbogbo ati kii ṣe ni gbogbo):

  • iriri iriri awakọ kan;
  • ijẹrisi ti owo oya;
  • ase lati a oko.

Awọn ile-ifowopamọ wo ni o kopa ninu eto naa?

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

  • Bank Zenith;
  • Bank "Saint Petersburg";
  • SOYUZ Bank;
  • Bank "Idoko-owo";
  • Bank PSA Isuna;
  • FastBank;
  • VTB 24;
  • Gazprombank;
  • Ajọ apẹrẹ "Verkhnevolzhsky";
  • Kirẹditi Yuroopu Bank;
  • Metcombank;
  • Raiffeisenbank;
  • Rosbank;
  • Rusfinance Bank;
  • Sberbank ti Orilẹ-ede wa;
  • Sviaz-Bank;
  • Uralsib;
  • Volkswagen Bank RUS;
  • Energobank;
  • UniCredit Bank.

Igbese nipa igbese Itọsọna si ifẹ si ọkọ ayọkẹlẹ kan

Ni akọkọ o nilo lati rii daju pe o le kopa ninu eto naa, lẹhinna tẹsiwaju si ilana iforukọsilẹ.

Eyi nilo:

  1. Kan si ile-ifowopamọ tabi oniṣowo ọkọ ayọkẹlẹ ati lo. Ṣe akiyesi pe lilo nipasẹ oniṣowo ọkọ ayọkẹlẹ kan fi akoko pamọ, niwon awọn alakoso fi awọn ohun elo ranṣẹ si awọn banki pupọ ni ẹẹkan;
  2. Ṣe afihan iwe-aṣẹ awakọ rẹ ati package ti awọn iwe aṣẹ loke. Lẹhinna ṣayẹwo itan-kirẹditi yoo ṣee ṣe;
  3. Duro fun ipinnu ti banki naa. Ilana atunyẹwo ohun elo boṣewa gba awọn ọjọ 3-14. Yiyawo ayanfẹ tumọ si akoko ti o pọ si fun kikọ ohun elo naa, ati pe banki le “ronu” titi di oṣu kan.

Lẹhin iyẹn, oṣiṣẹ oniṣowo yoo kan si ọ. Lẹhin ifọwọsi, iwọ yoo nilo lati fi iwe-ẹri ti o jẹrisi pe iwọ kii yoo ya awọn ọkọ ayọkẹlẹ miiran fun ọdun kan.

Lẹhinna ilana iforukọsilẹ wa. Oluyalowo yoo gbe owo naa lọ laifọwọyi si akọọlẹ eniti o ta ọja naa. Awọn awin ọkọ ayọkẹlẹ ati awọn ifunni ni a ko fun ni ọwọ.

Lẹhin rira, o le lọ lailewu si ọlọpa ijabọ ati forukọsilẹ ọkọ ayọkẹlẹ naa. Nikan lẹhinna iwọ yoo nilo lati da TCP pada si banki, nibiti iwe yoo wa ni ipamọ titi iwọ o fi san awin naa ni kikun.

Ipalara

Roman Petrov agbẹjọro:

– Awọn pitfalls wa ni eyikeyi ipinle eto, awọn “Akọkọ Automobile” ni ko si sile. Nigbati o ba nbere fun awin ọkọ ayọkẹlẹ kan, awọn alabara ti paṣẹ pẹlu CASCO ti o gbooro sii, eyiti o jẹ idiyele pupọ. O wa ni pe, ti pinnu lati fi owo pamọ, o "fò sinu" 100 ẹgbẹrun miiran nitori CASCO ati owo-ifunni ti o pin nipasẹ ipinle ko lo lati san gbese akọkọ, ṣugbọn lori awọn iṣẹ afikun ti ẹnikan ko nilo rara.

Nitorinaa, ṣaaju ṣiṣe ipinnu lati lo eto yii, rii daju lati ṣe iṣiro - ṣe o jẹ anfani gaan fun ọ? Ti o ba tun jẹ ere, lẹhinna yara - awọn ifunni pari ni yarayara.

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