Unscrupulous car dealers often try to cash in on the increased demand for concessional lending among Russians, including by imposing additional amounts when making a deal.
In this regard, it is necessary, first of all, to pay attention to the interest rate on the loan and to get acquainted with the whole range of offers on the market. About this agency PRIME said Daria Timchenko, head of lending and insurance divisions of the Fresh Auto network of car dealerships.
According to her, “it is necessary to choose a trusted car dealer with a good reputation, who will not risk it because of insignificant profits.”
In addition, the expert advises, “do not forget about the need to carefully study the content of the contract, to clarify each amount that caused mistrust or overstates the agreed cost of the car.”
Let us also remind you that back in mid-April the Kommersant newspaper reported that the program of preferential car loans in Russia, interrupted in mid-February due to the exhaustion of allocated budget funds, could be restarted within a month.
As part of the program, the budget will compensate 10% of the advance payment for a car worth up to 1.5 million rubles. One of the publication’s industry sources claimed that the government had already approved the allocation of an additional 5 billion rubles.
At the same time, the newspaper assumed, by this time the decision to increase the scrappage fee for cars will be finally approved – it was through this that the government wanted to find additional funds to support demand.
The Ministry of Industry and Trade believes that now there will be enough funds for the benefits until the end of the year, but, judging by the historical data, we can talk more about several months.
Earlier, the Minister of Industry and Trade of the Russian Federation Denis Manturov said that the Russian government would extend the state support programs for demand in the automotive industry in the near future, expanding their conditions.
“With regard to incentives (demand in the automotive industry) this year, we will soon add funds for compensation for preferential car leasing and car loans. We will expand the categories, including who will be provided with it. I think these measures will definitely be enough to stimulate the market by the end of this year, ”the head of the Ministry of Industry and Trade pointed out.
A preferential car loan offers a 10% discount (for residents of the Far East – 25%) of the cost of the car. The state compensates the banks participating in the programs for the discounts they provide.
Source: Росбалт by www.rosbalt.ru.
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