Preferential car loans will return from December 1 in Ivanovo

From December 1, the program of preferential car loans will work again in Russia. This was announced by First Deputy Prime Minister Denis Manturov. Financing will be allocated from the limits of 2027, but the amount will be reduced: instead of 20 billion rubles, 7 billion will remain. This means that less people will be able to get a soft loan than expected.

The exact terms of the program have not yet been published. It will be similar to what it was in 2026. Then the discount could apply for families with minor children, residents of the Far East with a child, citizens who have never had a car, employees of state medical and educational organizations, buyers of electric vehicles, military personnel and military pensioners, people with disabilities, veterans of hostilities who were injured during the SVO, as well as those who rent a car older than six years. Mandatory conditions - citizenship of the Russian Federation and driving license. You cannot have another car loan this year.

The car must be new, produced in the current or last year and assembled in Russia. For cars with an internal combustion engine, the price is limited to 2 million rubles, for electric vehicles there is no limit. The list includes all models of LADA and UAZ, Moskvich 3 and 3e, electric cars and hybrids Voyah and Evolute, as well as Solaris, Eonyx and Amberauto. The final list is determined by the bank.

The amount of the subsidy depends on the category. Families with two or more children discount will be about 10%, that is, about 200 thousand rubles per car for 2 million. Citizens without a car, education workers and participants of the SVO - about 20%, or 400 thousand rubles. Residents of the Far East from these categories – 25%, that is 500 thousand rubles. Veterans of military operations with injuries after SVO - 40%, or 800 thousand rubles. The loan rate should not exceed the key rate of the Central Bank by more than five percentage points. The initial contribution is from 0 to 10%, the period is from one year to seven to eight years.