Among all motorists, about 53% prefer to take loans, and last year this figure was only 30%. Such data were published by Avtopocentr, as a result of a survey of its customers. Many experts associate this leap in the demand for such loans for the purchase of cars with a decrease in loans. First of all, this refers to the state program for subsidizing interest rates, which was launched this year in the summer. Many banks began to offer quite favorable conditions, while the minimum rates fell to 9.5-12% per annum.
The increase in prices for all cars does not force buyers to switch to cheaper configurations and models. Over the past year, the budget for the purchase has grown by 9%.
These studies show that budget models take on credit. The state program applies to Russian cars with a price of up to 750 thousand. rub. Also in recent years, various programs and luxury cars with a subsidized interest rate have been actively developing. As representatives of these cars noted, these proposals are designed for entrepreneurs that they want to withdraw money from business and decided to buy a car for borrowed funds. About 70% of sales of all prestigious brands falls on leasing and credit.
Like all previous years, buying a supported car on credit remains not profitable. Here above the rate and, accordingly, the initial payment. Among all the surveyed buyers, only 3% consider this possibility.
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