​​A car for a large family from the state in 2020

Features of the program

The “Car for a Large Family” program is an effective project, the essence of which is to provide a discount of 100,000 rubles on the purchase of multi-seat vehicles for transporting children.
The second program is “Family Car”. The difference between these measures and the previous ones is that here the state does not provide a fixed discount, but in the amount of 10% of the purchase price. The method of providing assistance is that the state transfers to banks (financing is provided only when buying cars on credit) money not received from customers. It should be noted that at the central level it was planned to adopt a law on the transfer of Gazelle cars to large families. For this program the following conditions were laid down:

• number of at least 5 children in the family (natural and adopted ones are taken into account);
• residence of father or mother in the territory of the Russian Federation – 12 years;
• The total work experience of parents is from 10 years.

Unfortunately, this regulatory act was not adopted by the State Duma, but the program is being successfully implemented in the periphery.

Each family that has three or more children can qualify for a certain number of benefits, including car benefits. If we are not talking about the possibility of receiving a free car in all cases, then every applicant who meets the criteria of the law will receive a discount on the purchase of a vehicle at car dealerships at the expense of the state budget.

Legal aspects of the issue under consideration

Despite the fact that according to the general rules, the category of a large family includes persons living together who are raising three or more of their own or adopted children under 18 years of age.
In some situations, benefits are established for families with two minors.

Thus, the support measure discussed in the article was approved by the RF Government Decree dated April 16, 2015 No. 364.

The law establishes the rules for providing loans for the purchase of a vehicle to parents with two or more children (hereinafter referred to as the Rules).

With the help of the state, families can purchase a car at a discount when applying for a loan. At the moment, the events are valid until the end of 2020.

Contenders

A large family can receive a car under the following conditions:

• Both parents are citizens of the Russian Federation.
• Individuals raise at least a certain number of children, which is established by regional authorities.
• Parents are not deprived of rights in relation to all their children.
• Marriage is formalized between the older members. Civil relations are not recognized because such a union is not legally significant.
• The family does not have its own car (this information is carefully checked).

In addition, there are factors that deprive a family of the right to receive a vehicle or a discount on its purchase, namely, the disclosure of such details:

• children or parents have a criminal record;
• the child was declared dead or missing;
• the son or daughter is fully supported by the state in a boarding school without deprivation of parental rights;
• presence of registration in another region;
• living abroad.

Crossovers

Crossovers are the most popular in Russia. They are purchased by young couples and large families. And all thanks to the fact that most crossovers are compact in appearance and have a spacious interior.

Mazda CX-9

Crossovers from Mazda are distinguished by a stylish and slightly aggressive design. Inside, passengers and the driver will find a spacious and comfortable interior. The Mazda CX-9 is suitable for daily trips around the city or for long trips. If there is a large group of people on a trip, Mazda can fold out an additional third row for two people.

Hyundai Santa Fe

One of the most economical cars among crossovers. There are 7 seats inside: 5 main ones and two additional ones in the luggage compartment. Santa Fe is a maneuverable car that is suitable for the city. And on a long trip, 5 security systems become an advantage of the car.

Honda CR-V

This Japanese model is popular not only among family people. The CR-V is chosen by everyone who appreciates Japanese quality, comfort and a smooth ride on off-road and asphalt. The model range includes 5-seater and 7-seater options. The advantage of this model is the spacious rear seat, which can accommodate 5 children or 4 adults.

Volkswagen Teramont

This new product in the car rating has already won the hearts of many drivers. The cabin has 5 main seats and a third row of two seats, which can accommodate even adults. In expensive trim levels, three-zone climate control is installed, so that both children and adults can travel in comfortable conditions.

Registration procedure

The procedure for applying for benefits and discounts is clearly prescribed by the norms of the current federal and regional legislation, so there can be no discrepancies in the procedure for applying and other aspects.

Authorized bodies: where to contact

This question requires a complex answer. Firstly, if a child is born in a family, the birth of which gives the right, according to regional standards, to receive the status of a large family, the parents begin by issuing certificates. For this purpose, you must contact the department of social protection of the population at your place of residence. Unfortunately, there are practically no such bodies in villages, so you will have to go to the district administration. To obtain the title you will need to collect a minimum package of documents:

• certificate from the BTI (availability of property);
• document from the parents’ work (from the HR department);
• a certificate from the state registration fund of citizens (confirmation of the minimum number of children required to obtain the status).

When the registration for having many children is completed, you can take the final steps. To obtain a car under regional free programs, you must contact the territorial structures of the Federal Tax Service. It is advisable to make a personal visit (this will speed up the possibility of obtaining a positive response), or send documents through Russian Post offices. Of course, the review will take a little longer, since sending, receiving and processing correspondence will take some time.

If a family wants to get a car under the Family Car program, they must first contact the bank whose conditions are most suitable for parents, and then submit documents to the local social security department.

List of documents

As mentioned above, there are several types of government funding to help large families. The list of required documents depends on which method the family chooses. If this is an option to receive a free car, then you need to prepare the following papers:

• passport of the applicant (one of the parents);
• birth certificates for each minor;
• a certificate from the guardianship and trusteeship authorities;
• document granting the status of having many children. The fact is that some people don’t even know that it is possible to form such a social group. Without obtaining the title, the family will not be able to apply for a car.

The process for completing a purchase under the Family Car financing program is fairly quick. The list of documents required to obtain a positive answer is also minimal, but it is slightly different:

• driver's license of the person in whose name the loan will be issued;
• birth certificates of children (all);
• borrower's passport;
• guarantee that parents will not enter into other contracts for the purchase of cars during the calendar year.

Benefit issuance form, procedure

The answer to this question depends on the type of government funding. First, let's look at the essence of the Family Car program. The algorithm for obtaining a positive answer is as follows:

1. Parents collect the above package of documents. As practice proves, all papers can be received in a few days. If the multi-year plan has not yet been formalized, it takes up to one month, because obtaining the status requires a decision from the local government.
2. Contacting the bank with the collected papers.
3. Receiving a positive response.
4. Drawing up a loan agreement.
5. Transfer of funds to the account of the car dealership where the selected car is located.
6. The car is delivered to the family’s home address.

It turns out that in this case the benefit is realized by obtaining a loan with a 10% discount. Of course, the family must earn the rest of the money. The state will compensate the bank for the amount of reduction in the value of the car after the registration procedure.

The second way is to get a free car. The family contacts the tax office, a positive decision is made, and if funding is available, the much-desired vehicle is issued. In this case, the benefit is realized in the form of receiving a car, the brand and technical characteristics of which are clearly established by state regulations.

In some regions, maternity capital funds may be spent on purchasing a car under the state program.

Where to contact

To obtain permission to purchase a car on preferential terms, the parent who will apply for a loan must contact the department of social protection of the population.

After this, you need to submit an application to the bank.

A financial institution providing preferential car loans must comply with a number of conditions:

1. provide a discount to a large family (the difference will be compensated by the state);
2. issue a loan in national currency without additional commissions and fees;
3. set the rate no higher than 16%;
4. draw up an agreement for a period not exceeding 3 years.

If the application is approved, all that remains is to make a down payment, sign a loan agreement and choose a car to purchase.

Note! It is possible to apply for a car loan directly from the dealership where you plan to purchase. Representatives of banking organizations are ready to conclude a loan agreement immediately on the spot, subject to compliance with all requirements.

Waiting time

Let's say parents decide to use the Family Car program. The deadline for receiving a response about the possibility of providing state funding from the governor’s office is one month. Note that usually the family knows the decision earlier (after 2 - 3 weeks). There is only one way to inform - by mail.

If the answer is positive, the letter can be immediately sent to the bank without involving the postal service. After receiving the paper, the clerks call the applicant and agree on the date and time of the visit to the department.

What kind of car can be obtained under the preferential program?

The terms of the loan program provide for the following restrictions:

• It is possible to purchase a domestic car, but foreign cars are not prohibited.
• The cost of a car for a large family does not exceed 1 million 450 thousand rubles. Which one to choose? For this amount, according to automotive market experts, you can buy good and inexpensive cars in the simplest configurations for the entire family - Nissan X-Trail, Mazda CX-5, first generation Volkswagen Tiguan, Ford Kuga, Lada, Hyundai, Kia, Renault, Skoda, Lada, UAZ. A foreign car must be cleared through customs in accordance with the norms of current Russian legislation. Note that most families prefer to buy domestic cars, since they are more suitable for our roads.

If we talk about a regional program, then in each region the following options apply:

• Issuing a cash certificate to large families, provided that the number of minors exceeds the number established in the region. The amount is not regulated at the federal level, so it is regulated locally. Based on experience, the money received is enough to purchase a high-quality multi-seater car.
• Allocation of a car purchased with budget funds. The family receives a Gazelle minibus free of charge.

The main advantages of this program are:

• providing greater opportunities for rural residents;
• variability in the choice of educational institutions for children;
• prompt delivery of children to the hospital (especially if you need to travel from the village to the regional center);
• relief in terms of getting groceries home. If there are many children in the family, then it is very difficult to carry heavy packages in your hands.

Registration in the traffic police

Registration of a vehicle after its purchase or receipt under preferential (free) programs must be carried out with the traffic police. Please note that the procedure for legalizing a car purchased with government funding is no different from the standard one. The period for contacting the traffic police cannot exceed 10 days from the date of purchase of the vehicle, otherwise the authorities will have the right to impose a fine on the person. Lawyers still advise not to miss the deadline. The list of documents required to obtain car registration is as follows:

• owner's passport;
• car purchase and sale agreement;
• a fully completed application for registration of this vehicle;
• technical passport of the vehicle (PTS);
• CASCO insurance. It is not necessary to show OSAGO, since the paper concerns the driver, not the car.

A registration certificate is issued immediately. Pre-registration for service is not required; everything happens while the queue is moving. After visiting the traffic police, the papers issued there are presented to the government agency that gave permission for the purchase.

A car for a large family from the state in 2020

Parents with many children have many preferences established at the federal level. Regional authorities supplement these privileges and sometimes establish a more extensive list of benefits for such categories of citizens.

Recently, parents with three or more minor children have the right to count on receiving a vehicle with state support. The article will talk about the procedure for providing a car for a large family from the state.

Legal aspects of the issue under consideration

Despite the fact that according to the general rules, the category of a large family includes persons living together who are raising three or more of their own or adopted children under 18 years of age. In some situations, benefits are established for families with two minors.

Thus, the support measure discussed in the article was approved by the RF Government Decree dated April 16, 2015 No. 364. The law establishes the rules for providing loans for the purchase of a vehicle to parents with two or more children.

With the help of the state, families can purchase a car at a discount when applying for a loan. At the moment, the events are valid until the end of 2020.

Conditions of the program “Car for large families from the state”

Paragraph one of the Rules determines that a preferential loan with state subsidies is provided to persons who are raising 3 or more children and do not have a car registered as the property of a family member.

The discount is 10% of the price of the vehicle (25% when purchasing a car in the Far Eastern Federal District).

Subparagraphs “b”, “c”, “d” of paragraph 3 of the Rules indicate the parameters of the car. A vehicle purchased under a preferential loan must not exceed a total weight of 3.5 tons. The maximum cost of a vehicle purchased on a preferential loan is 1 million rubles.

The purchased car must not be registered at the time of applying for the loan. In addition, the transport must not be owned or operated by third parties. Regarding the production time of the machine. The rules establish the following restrictions depending on the time of submission of the application:

• 2019 – when applying for a loan in 2020;
• 2019 (registration of title no earlier than December 1) - 2020, if the car is purchased in 2020.

In addition, citizens wishing to become participants in the “Car for Large Families” program must remember the following restrictions:

• the vehicle itself acts as collateral for the loaned funds;
• an individual who is a participant in the state program must have his own savings in an amount sufficient to cover the down payment. The latter constitutes at least twenty percent of the total price of the vehicle;
• the repayment period of debt to the FCO cannot exceed three years.

The right to grant preference is lost when one of the children reaches 18 years of age. However, as an exception, citizens who entered a university for full-time study or went to serve in the army on urgent conscription are singled out. In the latter situations, the grace period is extended until the child turns 23 years old.

How can a large family get a car?

To understand the mechanism for providing benefits for the purchase of a car, you need to familiarize yourself with the requirements of banking organizations (lenders).

Parameters that the borrower must meet

Funds are provided to a borrower who meets the following FCO requirements:

• age from 18 to 65 years;
• presence of registration in the subject of the Russian Federation where the lender organization is located;
• presence of an official place of employment;
• 90 days of experience at the last place of work.

What documents does the participant need to submit?

Large families can become participants in the program for preferential car loans by contacting a banking organization and a car dealership. One way or another, the applicant will need to collect a package of documents including:

• passport;
• a certificate for the right to drive a vehicle of the appropriate category;
• TIN;
• certificate of birth of minor family members;
• a certificate confirming the level of income at the place of employment;
• work book;
• SNILS.

A complete list of papers can be found at the bank. They may vary depending on the credit institution.

Main stages of application

The applicant must take a number of mandatory steps that will allow him to take advantage of the state preference for preferential purchase of a car.

The latter include:

1. Studying the conditions and requirements of a banking institution and confirming its participation in the state program.
2. Comparison of family situation and the above requirements.
3. Collection of documents necessary to obtain a loan for the purchase of a vehicle.
4. Selecting a car dealership that participates in the program and has a car in stock that meets the parameters specified in clause 3 of the Rules.
5. Waiting for a decision (up to 2 weeks).
6. After preliminary approval of the application, you will need to visit the car dealership and the credit institution again and receive an agreement in your hands and sign it.
7. Waiting for the moment of transfer of funds to a legal entity - the car seller. In order to ensure the intended use of funds, money is not issued in person.
8. Receipt of the vehicle and documents for it.
9. Registration of the car with the traffic police.
10. Transfer of documents for the vehicle to the banking organization that is the mortgagee.

The encumbrance on the vehicle is valid until the date of full repayment of the loan debt and interest on the use of funds. Thus, until this point, no transactions with property can be carried out (donation, sale, etc.).

Conclusion

Thus, large families can receive a car as part of preferential lending. To do this, the borrower must meet the requirements of the state program and banking organization.

It is worth remembering that not all FPOs and car dealerships are participating in the project. This information can be found out in advance by calling the organization or by studying the list posted on the Internet. The car purchased as part of the loan is pledged to the bank until the loan is fully repaid.

Source: https://pravasemei.ru/mnogodetnye/avtomobil-dlya-mnogodetnoj-semi-ot-gosudarstva-v-2020-godu/

Transport tax benefit

Large families in many regions of the Russian Federation have the right to pay this fee at a discount or are exempt from it altogether. The benefit must be confirmed annually by submitting the following package of documents to the territorial body of the Federal Tax Service at the place of residence before February 1 of the year following the reporting year:

• application for benefits;
• confirmation of the status of having many children;
• copy of PTS;
• copies of children's birth certificates;
• certificates from educational institutions (if children over 16 years of age are studying full-time).

Benefits vary from region to region. For example, complete release, subject to certain conditions, is practiced in:

In some regions, a reduction factor of 0.5 is used. For example, in the Mari-El Republic, a 50% savings on payment of transport tax has been established for all passenger cars with a capacity of up to 200 horsepower. In the Bryansk region, a large family with low-income status (income level below the subsistence level) can receive a discount. In the Kirov region, benefits are provided for the following types and capacities of vehicles:

• passenger cars - up to 150 l/s;
• trucks - the same;
• buses - up to 200 l/s.

In most other regions of the Russian Federation, families with many children must pay tax in full and on a general basis.

Which family is recognized as having many children?

Russian legislation does not have a clear formulation, so recognition of a large family occurs at the regional level.

This is explained by the demographic differences between Russian regions and the budgets at their disposal. Local authorities, based on the economic situation of the region, assign benefits and also establish criteria on the basis of which a family is assigned the status of a large family.

Most regions of the Russian Federation classify families with three or more children as having large families. It does not matter whether these children are natural, adopted or under guardianship.

But there are also regions where a family with five or more children is considered large.

So in St. Petersburg, on the basis of government decree No. 343 and the Social Code, a regulation was adopted according to which parents of 7 children, as well as guardians or trustees who have been raising children for more than 3 years, can receive a car on preferential terms.

And, for example, in Moscow and the Moscow Region, when applying for benefits, social security services take into account only children under 16 years old, and in the case of higher education - 20 years old. In other regions it is 18 and 23 years, respectively.