In Russia, since the beginning of July, two government programs- “First car” and “Family car” - allowing you to seriously save money when purchasing a new domestically produced car. Within each of them you can buy a new car with a 10 percent discount. In this case, discounts can be combined with each other and with other measures to support car buyers. MIR 24 found out who can apply for and what models can be purchased at discounted prices.

As the names suggest, novice drivers and a mother or father of two or more children can become participants in state programs - all you need to do is present a birth certificate. Anyone who has not previously borrowed on a car loan and has not registered a car can participate in the “First Car” program. In this case, the age of the buyer does not matter.

In addition, it is important to take into account that, unlike the preferential car loan program, in the new state programs the size of the down payment and the fact whether the car is taken out on credit or not is not important. In any case, the discount will be 10% of the dealership price.

What cars can be purchased under these programs? First of all, the car must be new and assembled in Russia. In addition, its cost should not exceed 1.45 million rubles. Thus, under new programs with government subsidies you can buy: all Lada and Volkswagen Polo and Jetta models, Nissan models - Terrano, Almera, X-Trail, Qashqai, Sentra, Tiida, Toyota models - Camry and RAV4, Hyundai models - Solaris, Elantra, i40, Tucson, all models sold in Russia, except Sorento and Quoris, as well as many other cars popular in our country.

It is very important to note that discounts on new programs can be combined with other offers. Our country has had a program for new domestically produced cars for several years now. The state pays 6.7% of the bank's interest rate for the buyer. So, if a financial institution gives a loan at 17.7%, then the motorist pays only 11%, the rest of the money is transferred by the state.

The combination of the Family Car program and a subsidized loan rate is very beneficial. Let’s say a driver with two children wants to buy a Lada Vesta on credit for three years, which costs 580 thousand rubles. He contacts the bank and was offered a loan with a rate of 17.85%. Without participating in any programs, he would have to pay almost 21 thousand rubles monthly - as a result, the car would cost him 756 thousand rubles.

Meanwhile, under the family program, the price is reduced to 522 thousand rubles, and loan subsidies reduce the interest on the loan to 11.15%. As a result, a driver with many children will pay the bank 17 thousand rubles monthly, and the total cost of the new car will be 616.7 thousand.

The client will receive no less benefit if he takes advantage of the “First Car” program and subsidized car loans. Let's say a certain driver has just graduated and received his license. He dreams of buying a brand new Ford Focus, which costs 669 thousand rubles. To do this, he intends to use a loan with a base rate of 17.85%. Without government programs, the driver would pay 24.1 thousand rubles a month - while the real cost of his car would be 869 thousand. Having received a discount under the “First Car” program and using a subsidized rate, he will pay 19.8 thousand rubles for a car every month and will spend a total of 711 thousand.

It is also worth noting that participation in government programs allows you to offset the overpayment on the loan if it is possible to pay the down payment. Let’s say, if you decide to buy a Hyundai Solaris for 625 thousand rubles and can immediately pay 120 thousand rubles, and take the rest of the amount on credit for three years, then taking into account the discount and subsidized rate, the loan payment will be 14.5 thousand per month. Thus, in three years you will pay 522 thousand rubles, and taking into account the down payment, the car will cost you 642 thousand.

The Krasnoe i Beloe chain of stores sells alcohol, tobacco products, dairy products, canned food and other types of food and non-food products. Trademark present in almost any locality in Russia. To attract new customers, the company regularly holds promotions and provides discounts using promotional codes at Krasnoe i Beloe.

Terms of offer

Promotions are held almost every month. According to the conditions presented, you can buy products in the following categories:

• toys;
• confectionery;
• cereals and pasta;
• canned food;
• tea and coffee;
• sausage and deli meats.

It is important to know! The “Red and White” promotional code does not provide a 10 percent discount on products with a yellow price tag.

K&B specialists have developed a special application that can be downloaded for free on the Internet and installed on your phone. It allows:

• learn about promotions and discounts;
• find the nearest retail outlet;
• get acquainted with the products and their prices;
• check alcohol for legality using the code on the receipt.

You need to download the program from the App Store or Google Play (depending on your mobile device).

To get a promotional code at “Red and White”, you need to go to the website krasnoeibeloe.ru, go to the “Discount Card” section and find the subsection “Promotional code with a 10% discount”.

This section contains information about the terms of the discount and the validity period of the code. To use a promotional code for a discount at Red and White, you need to:

• install the application on your mobile device;
• go to the “Discount Card” section;
• enter the promo code.

Note! The discount using the promotional code cannot be combined with bonuses on the discount card.

How to install the application

To install the program on a mobile device on the Android platform, you need to go to Google Play Market and enter “Red&White” in the search bar. After that, click the “Install” button and accept the terms of the user agreement. Loading takes no more than 1 minute. The same steps can be done on iOS using the App Store.

If geolocation is disabled on your phone, you should select your location manually. At the bottom of the screen there are sections:

• the shops;
• scan code;
• catalog;
• basket;
• Discount card.

Tip: You can link your discount card to mobile phone in the application and present it in the store.

How to use the application

To start using the K&B program, you need to confirm that the person is over 18 years old. Then go to the catalog, in which all products are divided into groups:

• new items;
• gift ideas;
• wine;
• vodka;
• whiskey;
• juices, water;
• products.

In the “Stores” section, you can select a retail outlet where it will be convenient to pick up the goods. Then go to the “Cart”. Next to each product there is information about its availability in the selected store.

Help: To reserve an item, the purchase amount must be more than 500 rubles.

In the “Discount Card” section, you need to enter a promotional code in “Red and White”, after which the price of all products in the cart will automatically decrease by 10%.

When all items have been selected, you should reserve them. To place an order you must indicate:

• surname, first name, patronymic;
• mobile phone;
• e-mail.

Then indicate the time at which it will be convenient for you to pick up the goods and click “Reserve”.

It is important to know! Reserved products are stored at point of sale 1 day, after which the reservation is canceled.

Benefits of the application

In addition to the opportunity to receive a discount using a promotional code for goods in the Red&White mobile application, this service has other advantages:

• convenient interface in Russian;
• visualization of store addresses;
• debiting and accruing bonuses without specifying personal data;
• quick scanning of a discount card.

Thus, the application allows you to save time when visiting a store. There you can find out information about the availability of goods at a specific outlet.

Discount

A savings card with a discount is issued to each client over 18 years of age who makes a purchase in any Krasnoe&Beloe store in the amount of 1,000 rubles or more. After receiving the card, you must activate it. This can be done on the company's website.

To activate you need to specify:

• last name;
• surname;
• contact number;
• e-mail;
• barcode;
• password.

Then click on the “Activate card” button. The issued plastic card is personal and cannot be re-issued to other persons.

Useful: The discount card will be activated three days after registration.

When activating the card, a person gives his consent to receive information materials on email or via SMS messages.

If you link a discount card to a mobile application, you can use both plastic and electronic options when paying. You can only link to one mobile device. Changing a gadget is available no more than once a month.

Discount percentage

Initially, the discount card provides a 1% reduction in cost. However, then the size of the bonuses increases depending on the amount of purchases:

• from 3,000 rubles – 2%;
• from 8,000 – 4%;
• from 18,000 – 6%;
• from 36,000 – 8%;
• from 60,000 – 10%.

Interesting! The maximum discount on the K&B discount card is 10%.

The discount card should only be linked to a mobile phone through the official “Red&White” application. Reading a barcode through third-party programs, such as Stocard, is prohibited by company rules.

If a discount card is lost or damaged, it cannot be restored. The buyer will have to get a new card when purchasing over 1,000 rubles.

The site of the company

On the Internet, on the company’s website krasnoeibeloe.ru, you can:

• view the product catalogue;
• find the address of the nearest store;
• get information about the discount;
• find out the promotional code for a 10% discount;
• download the K&B magazine in PDF format;
• ask questions via the feedback form.

The “Calculator” section suggests calculating the amount of costs for drinks during events. To do this you need to set the parameters:

• number of guests;
• duration of the event;
• alcoholic and non-alcoholic drinks;
• consumption level;
• budget.

After that, click the “Calculate” button. The system will calculate how many alcoholic and non-alcoholic drinks are required in liters and bottles. After which you will be offered options for available products, from which you can select products and reserve them.

The Krasnoe&Beloe retail chain takes care of its customers and tries to make their purchases as comfortable and profitable as possible. Mobile app with the ability to activate a promo code and receive a 10% discount - this is a real opportunity to save money when purchasing goods in the store.

Using discounts is one of the most effective ways sales promotion. One-day discount, holiday discount, first purchase discount - this is just the beginning of the list possible options generating sales with attractive offers for the buyer. But how can retailers know what percentage of an item's price to discount? Does the discount even work?

There are several popular strategies for pricing products, including doubling the price, using the manufacturer's suggested price, using different prices for different customers, or using a discount price. In this material we will learn how to correctly set a short-term discount on a product in retail sales.

Determine the value of your product

Before you put an item on a discount, you need to find out how much this item costs for you. This can be done with a simple calculation:

Wholesale price + Freight cost + Estimated delivery cost = Product cost

The wholesale price is the amount for which you purchased the product. Freight cost is your cost to transport each item from a wholesale supplier or manufacturer. For example, if you buy 10 units of an item for $10 and pay another $5 to ship those items to your warehouse, the actual cost of each item will be $1.50 - price plus freight.

If you expect to spend any resources on delivering the goods to the buyer, you need to add this cost to the price. If, for example, on average you spend an estimated $1 per delivery to a customer, then your item now costs $2.50. This is its cost.

As more concrete example Let's imagine that you are selling sunglasses. Each pair costs $6.99 if you purchase 144 pairs of glasses at once, and shipping costs 81 cents per item. Let's say you charge the buyer to pay for shipping the item. In this case, the cost of each pair of glasses for you will be $7.80:

6.99 $ + 0.81 $ + 0.0 $ = 7.80 $.

Know your sales history

Before calculating a discount for an item, you need to raise its sales history to its regular full price. You need to know your profit on each unit of that product sold, as well as the quantity of that product that typically sells in a given period of time - a week or a month.

Before you set a reasonable discount on a product, determine its cost and the goals you want to achieve with the discount.

Let's return to the example about glasses. You already know that each pair costs $7.80. If you sell a pair of glasses for $9.99, you will make $2.19 profit on each pair. Further, based on data from previous sales, you can expect to sell 250 pairs of glasses per month. That is, by selling glasses at the regular full price, you will receive an estimated $547.50 profit each month.

You must have a reason to make a discount.

The discount for you must have a reasonable excuse, for example:

• increase in profits;
• reduction of product balances in the warehouse;
• attracting new customers.

Your goal will determine how you set the price for the product and ultimately measure sales success. For example, if your goal is to increase profits, make sure you price the product at a favorable price. If your goal is to get rid of inventory that is stuck in your warehouse, you need to focus on selling as many units as possible.

Set the discount amount

So the discount has a purpose. Now let's think about the size of the discount. Let's say you want to increase your April points profit by 10%. A discount can attract sales, so you're willing to give up $9.99 glasses for $9.49 - minus 50 cents on a pair of glasses, or 5% off.

At full price you would have presumably earned $547.50 in April. To do this, you would need to sell 250 glasses, receiving $2.19 from each pair. To achieve your goal of increasing profits by 10%, you need to generate $602.25 in profits.

Since you make $1.69 in profit by selling the discounted item for $9.49 ($9.49 - $7.80), you need to sell 357 pairs of glasses. When setting a discount price, make sure you set a realistic goal.

In our example, the retailer needs to sell 157 additional units of the product to compensate for the 5% discount. Let's say 300 pairs of glasses are sold, which, in principle, is more than usual. But still, the business profit in this case will fall from $547.50 to $507, and the store will lose $40.50. So perhaps the discount price of $9.49 is a little low for this specific purpose. But if, say, the purpose of the discount was to sell off remaining inventory, this price could work.

Measuring the result

And finally, the final step is to evaluate the result of the discount relative to your goals and expectations.

Also try to always monitor the results throughout the entire discount period. For example, let's say your goal is to increase profits in April, but by the 5th day of the month you already have 10% profit and 157 additional units of goods sold. In this case, you’d better reduce the discount a little, and next time, perhaps even try to promote the sale of this product without it at all.

Conversely, if on April 5 there are no signs that the discount is attracting new orders, you should remind about it again with an email in the mailing list or consider ending the promotion.

A discount is a great way to stimulate new sales. But you should never set discounts blindly. It is important to carefully plan and calculate everything in order to sell the product without going broke.

Participants in the renovation program in Moscow will be given a 10 percent discount on the purchase of additional square meters and apartments, but it has been decided to refuse preferential mortgages. The size of the discount was approved at a meeting of the presidium of the capital's government.

“We are talking about additional square meters, when people want to purchase an additional apartment, or expand the area of ​​​​the apartment provided,” explained Mayor Sergei Sobyanin, whose words are quoted by agency "Moscow" .

Program participants, for an additional payment, will be able to purchase apartments in the same building where they are provided with equivalent housing, or in another building, but in the same area, reports "Interfax". When purchasing additional meters, owners will enter into an exchange agreement with an additional payment with the renovation fund, while tenants will enter into a purchase and sale agreement.

You can pay extra for one or more apartments, but their total area should not exceed 100 square meters, emphasized Marat Khusnullin, Deputy Mayor for Urban Policy and Construction. To do this, you will need to send a written application to the Renovation Fund.

The amount of the surcharge will be determined by experts, the calculation will be made at the market price, Khusnullin said. “Of course, at the first stage the supply will have a certain limitation, but after an increase in the number of houses built, such a program will develop,” the deputy mayor added. Sobyanin, in turn, noted that the procedure for purchasing additional meters and apartments will be “adjusted taking into account the accumulated experience.”

Besides own funds For additional payments, it is allowed to attract maternity capital, housing subsidies, state housing certificates and other “sources not prohibited by the legislation of the Russian Federation.” At the same time, the authorities decided not to develop a mechanism for providing preferential mortgages for those wishing to increase their living space when relocating. “Any resident of the city has the right, in addition to the guarantees and preferences provided, to take advantage of the right to take out a mortgage from any bank. Moreover, now mortgage rates are falling,” Khusnullin said.

You can use the right to purchase an apartment at a discount not only during the renovation process, but also within two years after moving to an equivalent apartment. The procedure for submitting applications and other conditions for purchasing apartments for an additional payment will be established by the regulations of the renovation fund, which is planned to be approved in the near future. It may establish cases of increasing the maximum area for certain categories of program participants.

Last August, the Kommersant newspaper wrote that the capital’s authorities were ready to offer displaced people apartments of larger size without additional payment, but within the district. It was also reported that an option is being considered in which residents of demolished houses will be able to move to larger apartments in their area with an additional payment, taking advantage of preferential mortgage conditions.

The Chairman of the Moscow City Duma soon after said that the requests of Muscovites as part of the renovation program are one of the popular requests received by deputies.

https://www.site/2017-07-13/kak_poluchit_lgotnyy_kredit_na_pokupku_avtomobilya

“A certificate of income is not needed, we will write it down from your words”

How to get a 10 percent discount and a preferential car loan

Jaromir Romanov/website

Russian Prime Minister Dmitry Medvedev signed a decree of the Russian government on amendments to the rules of preferential car loans for Russians. The document was published on the Cabinet of Ministers website on July 11. The state announced its readiness to provide buyers with a 10% discount on the cost of a new car at the expense of the budget. This right will be available to those who buy cars under the state support program (what it is, see below) and meet one of two criteria: these are families with two or more children (under the “Family Car” program) or people buying a car for the first time ( "First car" program).

How to get a 10 percent discount on a car

It doesn't seem to be working yet. “We don’t have any information on this program yet. We know that it was accepted, but I can’t even give an approximate date for when it will be launched,” they told a correspondent of our publication in the credit department of the AutoHermes salon on Dmitrovskoye Shosse (Moscow). “Indeed, the state announced such programs, but neither from the plant nor from the banks did we receive any bulletins in this regard; accordingly, they did not begin to act,” they repeated the same thing in the Yekaterinburg dealership UAZ "East Wind". The representative offices of Kia, Hyundai, and Volkswagen gave us approximately similar comments in Moscow and Yekaterinburg.

According to optimistic forecasts from dealers, some clarifying information will appear within the next week or two. Meanwhile, a document published on the website of the Russian Cabinet of Ministers states in black and white that a 10% discount on the new “Family Car” and “First Car” programs is relevant for loan agreements “concluded from July 1, 2017.” Moreover, the Ministry of Industry and Trade of the Russian Federation has already been allocated budgetary allocations of 3.75 billion rubles for the implementation of the program. According to officials' calculations, there should be enough money to sell 58.35 thousand cars at a discount of 10% this year.

Lada Center Pulkovo / auto.drom.ru

It is unknown whether it will be possible to get a recalculation of the cost of a car that is purchased under a regular car loan program with state support right now. It is more or less known that thanks to a 10% discount from the state, the amount of the down payment for the purchased car will be reduced. Now this is, as a rule, 20% - accordingly, only 10% will remain.

It is also unknown exactly what documents will need to be attached to the standard package that is submitted when applying for a regular preferential car loan with state support. Dealers say that you will need a certificate of family composition from the passport office (for the Family Car program) and an extract from the registration database of the territorial division of the State Traffic Safety Inspectorate or the tax service about the absence of previously registered vehicles for the citizen.

To get a discount, you need to buy a car on credit under the state support program

To take advantage of the 10 percent discount, you must buy a car under the state support program.

The car loan program with government support was launched in 2013. The loan is issued in rubles only for Russian-assembled cars weighing up to 3.5 tons and costing up to 1 million 450 thousand rubles (previously, the threshold values ​​were 750 thousand and 1 million 150 thousand. The entire line of AvtoVAZ, UAZ, some models of GAZ, Renault-Nissan, Peugeot-Citroen, Kia-Hyundai, Volkswagen.

The support consists of government subsidizing the interest rate for banks that have joined the implementation of this program. A list of banks they work with will be provided at any car dealership. The discount is two-thirds of the refinancing rate of the Central Bank of the Russian Federation. Taking into account the fact that from June 1 the refinancing rate has been reduced to 9% (from 9.75%), this is minus 6% of the interest rate set by the bank for using the loan. “If now the average rate on a consumer loan fluctuates between 15-18% per annum, then on a car loan with a state program it ranges between 7-11%,” explained the Eastern Wind.

Getting a preferential car loan is easy. A down payment will be required. For example, on a UAZ Patriot in the maximum configuration it is about 200 thousand rubles. Very rarely, banks pursuing an aggressive policy are ready to provide a loan without a down payment (for example, Sovcombank does this).

If you have enough money for the deposit, go to the bank or credit department of the selected car dealership. You must have your passport and driver's license with you. Young people of military age (up to 27 years old) will also be required to have a military ID. Fill out an application for a loan. It is advisable to indicate your place of work, position and income level as accurately as possible. “A certificate of income is not needed, we will write down everything from your words,” they clarified at AutoHermes. It will take from 1 to 3 hours to review your application in Moscow, in Yekaterinburg, for comparison, one day.

Konstantin Kokoshkin / Russian Look

After that, they roll your car out the gates of the car dealership, hand you the keys and send you to the traffic police to register. There are 36 months of loan payments ahead. Exactly on this maximum term Preferential car loan programs with state support have been designed. For example, for a UAZ Patriot with good configuration you will have to pay about 25 thousand rubles per month, for a Chevrolet Niva - 19 thousand.

By the way, the latest decree on the extension of the preferential car loan program with state support (not to be confused with the current change in conditions for large families and new car owners) was signed by Russian Prime Minister Dmitry Medvedev on May 11, 2017. The state budget allocated 10 billion rubles for the implementation of the program. This money will be enough to stimulate the purchase of about 350 thousand cars produced in Russia.

Pitfalls of car loans and how to deal with them

Passport vehicle for a car purchased on credit remains in the bank. It will be given to you only after the loan has been repaid. But that's not the saddest part.

An applicant for a car loan will have to include CASCO expenses in the list of their expenses - about 7% of the cost of the car, depending on the conditions of a particular insurance company. For budget cars, the annual payment will be something like 40-45 thousand rubles. It can either be contributed from your own funds or included in the body of the loan.

In addition, most likely you will be forced to take out another insurance policy voluntarily. In Yekaterinburg, for example, life insurance for the borrower is common - plus 50-70 thousand rubles to the cost of buying a car. In Moscow this is called “financial protection of payments against non-payment of a loan.” “Various risks are insured: death, disability, sick leave, involuntary job loss. You can refuse, but this is an increase in the interest rate,” noted AutoHermes.

According to auto human rights activist Kirill Formanchuk, in his practice there have been cases when, taking into account all the necessary payments, the total costs of purchasing an ordinary Hyundai Solaris city sedan under a preferential car loan program with state participation exceeded 1 million rubles. Of this amount, 300 thousand rubles had to be spent on life insurance alone.

DC Severny - Hyundai / VKontakte

But there is a life hack. “We have a rule of the Central Bank of the Russian Federation - this is the so-called “cooling period”. A person, in the case of an insurance service imposed on him, has the right not to argue at the car dealership, sign everything, and then within five days send a letter to the insurance company indicating his details and a request to terminate the contract. All the money spent must be returned to him in full,” says another auto rights activist, Maxim Edryshov.

Both of our experts disagreed on the effectiveness of the state program to support car loans. “Practice shows that the introduction of any state support programs stimulates the car market and helps it stay afloat. It is quite obvious that cars are becoming more expensive and people are beginning to more actively use preferential car loans, since part of the interest rate is paid off by the state,” says Edryshov.

Total

To get a 10 percent discount on new car, you need to be a family man with two or more children or this must be your first car. The program is already working de jure, but not working de facto, so it's better to wait a few weeks. You can only get a discount on an inexpensive Russian-made car (up to 1.5 million rubles), purchased under a lending program with state support.

home » Useful » How to get a discount on a new car under the state program. Learning how to make discounts correctly To get a discount, you need to buy a car on credit under the state support program