Banker Kutyin advised Tulas to buy cars now, without delay until 2027

Tulyaks who are going to buy a car are advised not to postpone the purchase until 2027. According to experts, from January 1, the recycling fee will increase by 10-20%, which can lead to a noticeable increase in the cost of cars. At the same time, dealers are gradually reducing discounts and special offers, writes the portal NEWS.RU.

According to Vasily Kutyin, Director of Analytics at Ingo Bank, after indexing the scrap collection, cars with engines with a volume of one to two liters can rise in price by at least 80 thousand rubles. For cars with three-liter engines with a capacity of 340 horsepower, the increase, according to him, will be from 272 thousand rubles. This is the minimum possible price increase.

Another factor is the reduction of discounts at dealers. Now sellers are trying to sell the remaining cars of 2025, but by the winter and spring of 2027, profitable offers are expected to become much less. Trade-in programs, which residents of the Tula region were interested in, have already decreased by an average of 20-45%.

According to Kutin, delaying the purchase can cost the car owner about 3-5% of the cost of the car each month. In terms of the average price of the car, this can be from 105 to 176 thousand rubles. Possible reduction of the credit rate, according to him, such additional costs will not compensate.

At the same time, the expert called the situation with a car loan one of the factors that may affect the decision to wait. If the Tula buyer is fundamentally important is the loan rate, he may consider buying a car in 2027. The forecast of the Central Bank at the rate for the next year is 10.5-12.5%, but a significant and rapid reduction in the cost of loans in this case should not be expected.

Freedom Global analyst Vladimir Chernov believes that the increase in the scrap collection will also contribute to the further growth of the share of Russian-made cars. According to the Ministry of Industry and Trade, for eight months of 2026, domestic equipment occupied 63.5% of the Russian market. Over the year, the indicator increased by 8.5 percentage points.

According to Chernov, the growth of the share of domestic cars does not indicate the depth of localization of production. With a further increase in the scrap collection, imported cars will become more expensive, and Russian manufacturers will have more opportunities to increase prices amid reduced competition.

The expert suggests that in 2027 the share of localized equipment in the Russian market may grow to 65-70%. At the same time, it is important to assess the further efficiency of increasing the scrap collection not only by changing the structure of the market, but also by how deep the localization of production becomes. If the increase in fees will have a stronger impact on imports and competition than on the development of local production, one of the main consequences for buyers will be a further increase in prices.

Thus, the Tulyaks, who have already planned to buy a car, experts advise to consider several factors at once: future indexation of the scrap collection, reduction of dealer discounts and possible further increase in the cost of cars. For residents of the arms region, ready to buy a car for their own money or with a small loan, waiting may be less profitable. And residents of the Tula region, for whom the main condition is the cost of a car loan, it makes sense to take into account the forecast for interest rates.