GM signs agreement to sell the "Hummer" general Motors agreed to sell its iconic brand for undisclosed sum.

The parties were negotiating the sale for many months. GM is in the process of sale and liquidation of many brands trying to reorganize its structure after declaring bankruptcy in July. Earlier this month concerned the automaker announced that it turns off brand Saturn. This happened after the "Penske Automotive Group refused to buy it. GM has already announced it was closing its production cars Pontiac. Also close to the European brands "Saab", "Opel" and "Vauxhall". GM Brands Continue to operate: # Chevrolet # GMC # Cadillac # Buick Ceased to function: # Pontiac (discontinued) # Saturn (discontinued) # Hammer (sold) # Saab (to be sold) # Opel (to be sold) # Vauxhall (to be sold) GM plans to update the structure, focusing on fewer brands after the bankruptcy, which became necessary after it during the crisis sharply reduced sales of automobiles. Next Generation In accordance with the terms of the agreement, Tengzhong acquire 80% stake of the company "Hammer", and the remaining 20% depart the Hong Kong entrepreneur Suolongu Duodzhi. Current management "Hammer" will continue to manage the company. The agreement still requires approval by regulatory authorities. Humvee - is a major global brand, and this agreement is a milestone in history as the "Hammer" and "general Motors" in general, "said GM Chairman Fritz Henderson. The company also reported that the focus on improving efficiency, including the introduction of diesel engines. "We are encouraged by some of the technology already embedded in the" Hammer ", so we believe that our investment will soon be justified, especially with regard to creating the next generation of fuel-efficient vehicles that will be required to meet the challenges of not only time but also the expectations of clients "said Yang Yi, director Tengzhong. Falling stars Hummers originally built as military vehicles terrain by AM General. Popularity brand soared, as U.S. motorists have powerful vehicles that were touted by such celebrities as Arnold Schwarzenegger and others. GM acquired the brand "Hammer" in 1999. Recently, sales have decreased considerably, since the car is consuming too much fuel, and military image became less popular. Humvees weigh up to five tons and spend about a gallon (~ 3.78 liters) of fuel at 15 miles (~ 25 km). Tengzhong specializes in the creation of equipment for road construction and energy industries. Company is located in the Chinese region of Sichuan.

Audi publish prices on a new A8.

The British unit Audi published prices as well as some new information of a brand new luxury sedan A8. New on sale in Britain in spring 2010 at a price of 54 760 to 66 240 pounds sterling. The new flagship Audi model line will be sold with a wide range of engines, including 3-liter TDI-engine, which develops power of 250 hp and a torque of 550 Nm, 4.2-liter 8-cylinder TDI, develop power 350 hp and a torque of 800 Nm, as well as an updated 4.2-liter 8-cylinder FSI, develops 350 hp instead of Power - 372 and instead of 440 Nm of torque - 445. The new "basic" 3-liter TDI, develop power 240 hp and produces 159 g CO2 per km, will go on sale later in 2010. More powerful 3-liter TDI consumes about 5.6 l/100 km and produces 174 g CO2 per km. 4.2 V8 TDI consumes about 6.4 l/100 km and produces 199 g CO2 per km., While the 4.2 V8 FSI consumes 13% less fuel than ever before - 7.8 l/100 km and produces 219 g / km CO2. The new A8 is made on the basis of a lightweight aluminum frame and, according to the manufacturer, has the largest stiffness in its class. In addition, new technology is equipped with regenerative braking system, the rapid start / stop the engine, as well as the new 8-speed Tiptronic automatic transmission and asymmetric wheel-drive system Quattro (first used in the S4), not only to allocate dynamically the tractive force between the axles, but also between the rear wheels. Aluminum suspension has four adaptive modes of operation. Novelty has a standard set of airbags, ABS braking system with EBD, ESP, as well as Adaptive Cruise Control. Particularly worth noting that Audi has worked with Google to power its cars modulus MMI GPRS, allowing users to download the detailed route, and turn cars into mobile WLAN-access point to the Internet.

Bentley Mulsanne publishes the price of a new.

The new flagship model line Bentley - Mulsanne - went into series production at the factory in Crewe, United Kingdom, in the spring of 2010 model year. The first deliveries of a luxury sedan will begin in spring 2010. The basic price of new items will be 220 thousand pounds sterling. As, according to the manufacturer, the most luxurious car Bentley, Mulsanne new options available in 114 colors corps, with 21 different colors of floor mats, as well as with 24 color options for interior design. To build one car takes about nine weeks. Being outwardly classic sedan, Mulsanne not shun modern technology, equipped with Bluetooth, card reader for SIM-cards, iPod-connecting, and 20-channel 2 200-watt audio system. Mulsanne equipped with 6.75-liter 8-cylinder engine develops a power of 500 hp and torque 1 000 Nm, which supports off cylinders to save fuel and reduce harmful emissions.

BMW introduced the M3 GTS Coupe .

Rumors about the appearance of a special version of GT4 coupe M-Series from BMW soar for months, but the head of division, responsible for designing machines with Redesignate M, Kay Segler (Kay Segler), his recent interview in which he hinted at the possibility of serial production of this vehicle only added fuel to the fire. And recently the company BMW has arranged a formal presentation of the long-awaited car, known as M3 GTS. Coupe BMW M3 GTS «charged with" specially modernized version of the 4.4 liter V-shaped 8-cylinder engine from the "normal» M3, whose power is 450 hp In addition, the engineers have equipped a special novelty crankcase manufactured from a special aluminum-silicon alloy, individual throttle bodies, anti-knock sensors, to be met by technology "of the ion flux, as well as the oil pan" wet "type. Torque applied to the rear wheels through a 7-speed gearbox with double clutch. This gearbox has been specially refined in order to withstand the maximum output of V-shaped 8-cylinder engine, and the function DKG Drivelogic perfectly programmed to extract the maximum from the power plant. Broad, in the form of honeycomb, grille, custom rear wing, adjustable front bumper and modified aerodynamic elements - all 100% reflects the wildly athletic orientation Coupe BMW M3 GTS. To all this specially designed 19-inch alloy wheels blacked out, shod in 225/35 tires in front and 285/30 rear, guarantee an excellent grip.

The new Volvo S60 sedan in the summer of 2010 will enter the market .

Swedish Volvo released the first official pictures of the newest sedan S60, the world premiere of which will be held next March at the Geneva Motor Show. The car will belong to a number of 2010 model year At first glance, the new Volvo S60 is marked for a coupe proportions, complemented by a strong "belt line" that creates the amount of exterior design, similar to the Jaguar XF. At the same time, the model is not devoid of individuality, which emphasize the many unique details, such as for a traditional Volvo grille and embossed front optics. Information regarding the configuration-powered car is rather poor, but most likely, the new sedan will be equipped with 1.6 liter engines, which include a turbo unit, as well as gasoline engine with direct injection. Power of the new compact engine, previously introduced in the concept version, will make 180 hp, with fuel consumption of about 1 liter to 20 kilometers. Power from the "engine" will be supplied to the front wheels through a 6-speed gearbox from Volvo PowerShift dual-clutch. New would not be a Volvo, if it is not equipped with the most advanced technologies in the field of security. One of the main aspects of the rich arsenal of means of the safety car will be the latest technology Pedestrian Detection from Volvo - the security system that can detect the presence of a pedestrian in front of the vehicle and automatically apply the brake if the driver is not reacted in time.

Autodelta "has circulated" spetsversiyu Alfa Romeo Brera S 3.2 from Prodrive .

Last week in London as part of the automobile exhibition MPH09 a presentation of two new cars from tuning studio Autodelta - exclusive Autodelta Alfa Romeo 159 J4 3.2 C and Autodelta Brera 3.2 C Compressore, performed on the base model Brera S for the UK market. Special modification of the Brera S 3.2, which was the light of the result of cooperation of the British division of the company Alfa Romeo and Prodrive, has some interesting features, the most significant of which was to reduce vehicle weight by 100 kg, which could be done by using a front-wheel drive instead of the standard system Q4 from Brera. Alfa Romeo Brera S 3.2 is also equipped with a new sport suspension. Proposal from Autodelta engineers added to the total set of its own turbocharger system and improved governance. Turbocharging from Autodelta with intercooler increases the capacity of 3.2 liter V-shaped 6-cylinder engine 260 hp c and 322 Nm max. torque to 352 hp and 435 Nm. More information about the characteristics of the new Brera S 3.2 Compressore has not been disclosed. Enhanced traction to implement fully helps mechanical limited slip differential from Autodelta, running with a standard electronic Q2. According to information from representatives of the tuning-studio, a mechanical limited slip differential works most efficiently, since the system Q2 effectively in emergency situations, using the brakes to transfer power to the desired angle, allowing the driver to better interact with the machine. Tuning kit also includes an adjustable suspension Sportline from Autodelta. The new suspension with spring-hydraulic shock absorber has a certain stiffness coefficient of spring, and 40 different levels of rigidity, which the driver can choose yourself.

Sportcar Arash AF-10 draw down the engine from the Corvette Z06 LS7 .

Supercar Arash AF-10 first appeared in public nearly three years ago, when in 2006 at the Motor Show in London debuted its experimental prototype. Since then, the British company Arash Cars has undergone some personnel changes and overcome the crisis, and only now approved the final design of its sports coupe, which was first demonstrated in serial form. Arash AF-10, which is to some extent, not very good copy of the Ferrari Enzo, designed to be a supercar, available for buyers who are a bit short of money for an Italian sports car. The expected cost of new items will be $ 534 000, while the manufacturer hopes that it will win the audience of other manufacturers of compact supercars such as the Koenigsegg and Pagani, as well as lower prices of cars such as Lamborghini brands and Ferrari. Most of the sports coupe body AF-10 is made of carbon fiber, including the chassis, which has a positive impact on weight - the weight of the British supercar is not more than 1200 kg. This is 160 kg less than the Ferrari Enzo and 500 kg less than the mass of a massive Mercedes-Benz SLR McLaren. The source of power in favor 7,0 liter V8 engine from the Corvette Z06 LS7, generating 550 hp and has 630 Nm of maximum torque. Thrust in the car is fed to the rear wheels through a 6-speed manual gearbox Graziano. In the near future, the manufacturing company plans to introduce top-end version of the AF-10S, equipped with a turbocharger. This high-power versions make 800 hp and 750 Nm of maximum torque. In the long term - release versions rated at more than 1,001 hp and 950 Nm of peak torque. In the next five years is planned to release only 70 cars, and if there is demand, the automakers may represent a cheaper model called the AF-8, which will naturally become less powerful (and less expensive) version of the Arash AF-10.

TransMashHolding preparing a program for creating a new generation engine.

CJSC Transmashholding, which includes JSC "Kolomna factory" over the next three months, prepare a program to create a new generation of engines, said the head of the holding Andrew Bokarev at a meeting on the development of the company, which held in Kolomna, on Wednesday, Prime Minister Vladimir Putin of Russia . "Industrial diesel new generation is needed not only to us, it needs many industries, we understand how we are lagging behind ... We have had serious projects and relationships with relevant agencies, I think in the next three months will be understandable to the figures program which we can move on, "- said Bokarev. He expressed confidence that the factory good future. "Tough times always are - this is the economy", - added the head of the holding. Kolomna factory - one of the oldest and largest enterprises in transport engineering in Russia, is part of Transmashholding. The factory, founded in 1863, designs and manufactures passenger and freight locomotives, passenger locomotives, diesel engines and diesel generators for diesel locomotives, power plants, heavy trucks, ships.

Car loans: Counting costs.

Most of us sooner or later faces the need to take out a bank loan. Very often it is associated with the purchase of a car on credit. Programs for which you can buy a car on credit, a lot, and they offer a variety of options, among which we can choose the most convenient. Typically, buying a car on credit, the borrower applies for a fairly large loans to the bank. What determines its size? First, the car price and the amount of available savings. The more you can pay as a down payment, the less need to take in the bank. Secondly, the level of income. If you buy a car on credit, the amount of monthly payments should not exceed half of your income. Even if you're willing to pay more, the bank will not do. Thus, the maximum amount of credit you can roughly calculate your own. Fortunately, the majority of banks (as well as mediators and automakers) have on their websites credit calculators to calculate the cost of buying a car on credit. Now that you know this amount, considering how much to save, to make a down payment to buy a car on credit. Perhaps, the amount would be too heavy - will have to moderate their demands and to find another model in order to buy a car on credit. In planning its future costs for the purchase of a car on credit, especially if it's your first car, it is important to bear in mind that not only have to spend money to repay the bank, but also for the maintenance and servicing of the machine. This may be a significant expense in your budget. In addition, buy a car on credit - which means, in most cases, buy insurance and hull insurance. Banks require it as a guarantee of preservation of collateral, that is the car itself. Because buying a car on credit, and should calculate these costs. Probably will have to reduce the projected amount of the loan to be able to make timely payments on the loan. And this should be done strictly following the due date for payment - any delay obrastet additional interest and spoil your credit history.

How scoring program "zatsenivaet" potential borrowers.

And so you rush to the bank with confidence that the bank will take a positive decision on granting you credit. It is a call from the bank and was informed that a preliminary decision on your online application for a loan (oh, the miracle of modern Internet!) Positive, ie such as a client you are even fit. What a great disappointment as when, leaving all the documents and answer the questions honestly bank manager, you are denied a loan. Without explanation. This is similar to the denial of visa to the Schengen welcome, but much more painful and confusing. What happens there, to deployed our bank monitors? As banks evaluate the reliability of the potential borrower? Increasingly, we hear the answer: the solution adopted scoring system. What is this - scoring, on which both depend on a positive decision on the loan? The encyclopedia we find: Scoring (born scoring) - a method of classification of all borrowers into different groups to assess the credit risk is a mathematical or statistical model. Scoring is literally translated as earning, counting points. In 1941, when credit analysts in the U.S. mass called to the front, scoring methods for assessing borrowers allowed to compensate for the lack of qualified personnel. David Durand has applied the classification of Fisher "plants: good and bad" credit. Banks, having no capacity to allocate to each individual borrower credit expert to assess the risks of non-returns, have to rely on the scoring system, which allows you to process forms and applications ten times faster. The massive introduction of scoring programs began 10 years later in 50 years of the last century, after the card program "After dinner, subscribe to" system Diners Club. The advanced program not only take positive or negative decision on granting the loan, but also determines the size of the loan. Today, credit scoring can be regarded as the most high-tech, interesting and significant software product to serve retail customers. With it is evaluated not only the risk of loan to a borrower, but also reveal hidden patterns in the behavior of the borrower. In Russia, the emergence of scoring models evaluate the creditworthiness of the borrower was due began several years ago the present credit boom. Express loans - decision in 15 minutes! Half an hour - and the Russians went home happy with their purchases. Illusion that the credits are distributed to all and sundry. In fact scoring model has worked, although still poorly fell on Russia's soil. " Thus, the scoring - a mathematical analysis of the entered information. Potential borrower responds to questions - a bank clerk enters the information into the computer - the system assigns each account a certain ball. Construct mathematical models based on data on the behavior of the borrower in the past in order to determine the "willingness to pay of credit" and "opportunity in the future to repay the debt." The scoring model is based on the following parameters: personal data, financial and related information. Personal data: sex, age, marital status, presence / absence of dependents, education. Financial: The total length of service, overall experience at the last or last place of work, level of earned fees and overall costs. For related information, can be attributed to the presence of additional sources of income, owning a car, garage, villas, land in private ownership. Subject to achieving a certain amount of points, the system gives a positive answer. If the client get the score a little different from the required bars, scoring takes conditionally positive solution. In this case, the bank makes proring on these phones in the questionnaire. If the data match, the client receives a "good". If the confirmation is not received by phone (sometimes even by mistake), the client is denied a loan. But scoring - is not just a calculator points. Virtually any scoring model is a self-learning. It is with the accumulation of certain credit history with the launch of the program in action included the second phase of the analysis of information on potential borrowers. Scoring begins to compare with those clients who have already received credit in the bank and who is suitable for the specified parameters (gender, age, marital status, etc.) the potential borrower. If scoring reveals that out of 10 borrowers, similar to a new customer, only five successfully return a loan, the program assigns it to the problematic and risky group and, consequently, fails, zanesya denial of its base. If within a certain time scoring will continue to refuse to customers in this group, then the bank's specialists have the opportunity to adjust the "behavior" of the program. In addition, the scoring program analyzes and fixes the riskiest lending activities of certain groups of goods in a mode "online". For example, if the percentage of defaults and delays on loans on mobile phones is high, then this group is defined as a hazardous product, the requirements for the number of points increases, and the scoring redistributes loan portfolio in favor of lending to other goods. Thus, scoring analyzes the information received in those criteria, what it interesting, and on which depends the risk of non-repayment of the loan, and in real time. There is a feeling of paradox: a client may refuse a loan to buy a mobile phone, and a week later scoring will give a positive solution to obtain consumer credit at a much higher amount. Therefore, the resulting denial of some bank not need to be perceived as the end of the world and an insult to the end of days. Time does not stand still, scoring the program learns and stores information. It is possible that a system of criteria and values for it will change soon. Scoring - a program based on pure mathematics. For points, it does not see the real person. If the client is registered in the Moscow region in the garden a partnership, he counted the desired point - there is a permanent registration. But any bank manager understands that and then find a client at his place of residence will not be easy. The human factor is of great importance. Much depends on the skills of bank employees and their direct interest to grant credit. Managers, working with the scoring systems and culling data there to get a response, have long learned to enter the data so that the decision was positive, that is actually "cheat" a clever scoring. And under the force of the client to answer questions so as to obtain more points. Therefore, scoring may miss the bank "bad" client, and a good and faithful to reject Scoring models in all, without exception, banks - a mystery which nobody opens. It is known that the parameters of each standard scoring tool to assess the creditworthiness of individuals are always present: negative credit history facts, profession, duration of work in one place, home ownership, number of recent requests to the Bank, during the stay at the current address. There are simplified versions of, say, a small amount of credit a borrower without a specific purpose. In this case the scoring program is a simple form, which introduces passport data, some statements from the statement of earnings, etc. For the issuance of mortgage model is more complicated, to pay for a mortgage loan requires a higher permanent income and the adequacy of collateral. Thus parameters such as sex, age, education are significantly less weight than the same parameters when issuing credit cards. The types of scoring programs: Application-scoring - assessing the creditworthiness of borrowers to obtain credit. This is the most relevant type of scoring for Russia. Collection-scoring - the identification of priority cases and areas of work for borrowers, the state of credit accounts that are classified as "unsatisfactory". Using this type of scoring allows for smooth operation of in arrears until her transfer to the collection agency. For example, according to the results of several studies about 40% of all non-payment accounted for forgetful borrowers who, without any intention of forgetting to make a payment on the loan and "corrected" after the first reminder. Behavioral-scoring (behavioral scoring) - assessment of the dynamics of the credit account of the borrower. Behavioral scoring can predict the change in the solvency of the borrower, to determine the optimal limits for credit cards, etc. In Russia, almost never used because of the lack of scoring systems, capable of solving such problems. Fraud-scoring - evaluation of the likelihood of fraud potential borrower. Its relevance to Russia's market is sufficiently large. According to a number of domestic banks frank fraud is up 10% of all non-payments, and this figure each year continues to slowly but steadily increasing. Retail lending in Russia is slowly but surely be renewed after the year-old period of interdiction rates and the stringent conditions of extradition. It is noticeable that almost without exception, banks began to apply the scoring program. Because of the significant reductions in staff use of scoring important for banks than ever before. It is hoped that self-learning system of scoring will not be counted for each new customer to the risky group because of the increased amount of arrears on payments, and bank employees will see beyond the purely mathematical calculation of points of real bona fide borrower.

In Europe, began taking orders for the updated Honda CR-V .

Sales upgraded crossover Honda CR-V start in Europe in January 2010, but now all anyone can place pre-orders for novelty. The external facelift is mainly touched the front of the car - the radiator grille is complemented with new chrome, modified front bumper and fog lights. Also, CR-V gets 17 - and 18-inch alloy wheels of the new design. Salon crossover will be decorated with better quality plastics, and seats will have several options for upholstery. Under the hood of an updated crossover network will establish two types of motors. The new 2.2-liter turbocharged diesel engine has a capacity of 150 horsepower and 350Nm of torque available even at 2 000 rpm. This motor on 10l.s. more powerful than its predecessor. New power plant may be combined with both mechanical and with an improved automatic transmission. Average fuel consumption for diesel modification Honda CR-V - 6,5 l per 100km run. It is a pity that in Russia, CR-V with the engine in the near future will not appear. In the line of gasoline engines has been a change - not yet available to the former 2.4-liter engine, which was set up restyling. Already a proven 2.0-liter gasoline engine power 150hp and torque of 192 Nm at 4 200 r / min without any improvements migrated to the updated CR-V. With manual transmission petrol CR-V is accelerated up to hundreds of 10,2 s, and with the "automatic" - for 12,2 pp. Fuel novelties in the combined cycle will be 8.2 liters per 100km for the manual transmission and 8.4 liter - at 100km to Automatic. In the basic configuration with a gasoline engine and a "mechanics" Honda CR-V will cost 22 596 euros and topovoe performance crossover with a diesel-powered, automatic transmission and optional security package would cost European buyers in the 34 177 euros.

Out up a night race in Switzerland, the Russians had no right to drive cars of this class .

Four young Russians to luxury cars (Lamborghini, Bugatti, Mercedes McLaren, and Porsche Cayenne), who made a Thursday night race on the road from Geneva to Lausanne, and were guilty of a serious accident, had no right to drive cars of this class because of his youth , wrote today, the Swiss press. Owner cabin rental luxury cars Raid Salah contends that such a car as the Bugatti Veyron is impossible to find in the country, it is too rare and too expensive for any of the Swiss interior. In addition, no interior do not dare to pass such machines as young people. To be eligible to drive a racing car, to reach the age of 30 years, and have enough secured credit cards. "I would rather lose a client than I would venture to make a good car in the scrap," - said Reid, Salah, the owner of the Geneva company Select VIP, which specializes in rental of luxury cars. He denies that his company delivered their cars to let young Russians - the participants of the accident. Nevertheless, the police officially confirmed: the four cars involved in the urban rodeo on the night of Thursday to Friday on the way from Geneva to Lausanne between Bellevue and Versoix, three - Mercedes SLR McLaren, Bugatti Veyron, and the Porsche Cayenne Turbo - were put into rental companies to rent luxury cars registered in the cantons of Vaud, Ticino and Aargau. With regard to the Mercedes SLR McLaren, the owner of a car dealership, said: "In Geneva, a company that offers this type of car, but he can not get into all sorts of hands. Obligatory in this case is the minimum age requirement of 30 years of age and previous experience of driving a racing car. In addition, according to eyewitnesses, Mercedes has been modified to such an extent that it is impossible to get a car through the rental agency. The car, which became the main cause of the accident belonged to his driver, who lives in Geneva, wrote Tribune de Geneve. "Lamborghini Murcielago, presumably, the main culprit of an accident, crashed into the Golf, was owned by his driver. Golf, driven by a 70-year-old German pensioner who also belonged to his driver," - said police spokesman Patrick Poole.

GM will dismiss about 10 thousand employees in Europe.

American corporation general Motors intends to reduce from 9 to 10 thousand jobs in the factories in Europe. The statement was made acting chairman of GM in Europe, Nick Reilly, transmits Bi-bi-si. According to the ai, this decline is part of the restructuring of the company, under which general Motors intends to cut costs in Europe by 20-25%. In some countries, GM plans to reduce, not reported, but it is known that the restructuring will be spent over 3 billion euros. Recall just a few days ago, GM announced it would close in the U.S. 81 of Saab. This decision is connected with the sale of the brand Saab Automobile AB Sweden's Koenigsegg Group AB, which specializes in the production of exclusive sports car class. Thus, in the U.S. will continue to work only 137 missions SAAB. How many employees will be dismissed in connection with this reform, the GM is not reported.

Nissan is a robot EPORO, able to avoid collisions.

Nissan Motor Co., Ltd. represents robotic concept EPORO using technology that allows cars to move in the flow, mimicking the behavioral model of shoals of fish, the envelope of the obstacles and avoid collisions with each other. "We are working in the automotive industry, a lot you can learn from the fish in terms of freedom of movement and security within the jamb, as well as in terms of efficiency of traffic jamb in general. Working on EPORO, we have reproduced the behavior of shoals of fish, making full use of modern electronic technology, - said Toshiyuki Ando, manager of the laboratory study of the movement Nissan and chief engineer of the project. - By sharing information about their surroundings with the other members of the movement, several EPORO can safely travel together, if necessary, changing the configuration of the group. " The world's first robot car is able to move in a group with others, to change the situation and exchange information with other members of the movement with special communication systems. Nissan demonstrates this unique technology on the example of a group of six robots EPORO, who first brought before the audience at the exhibition CEATEC JAPAN 2009, held in Tokyo on October 6-10.

Right seat and gave the Americans a year on imports.

Minpromtorg and traffic police have tried to give an explanation for the new technical regulations. Representatives of agencies say that restrictions on the exploitation of already imported RHD cars will not. While the document does not come into force, "Japanese women" and "American" can live. September 28, "Rossiyskaya Gazeta" staged "hot line" to which were invited to head the Department of Automotive and Agricultural Machinery Minpromtorg Russia Alexei Rakhmanov and Head of the Department of Road Safety Ministry of Internal Affairs of Russia Sergey Fomochkin. The event was staged in order to shed some light on a number of concerns of the technical regulations, which will come into force next year. In particular, owners of cars and RHD cars imported from the United States, are interested, do not impose any restrictions on the exploitation of already registered vehicles? Although the authorities have tried to clarify some of their answers may introduce even more confusion. What will happen to the "wrong" cars from Japan after the entry into force of the document? Rakhmanov said that they can ride on the roads of Russia, if they are placed on the account. According Fomochkina, "no prohibitions on operation of vehicles with right-sided position of the steering at the present moment there is no ban and impose no presupposes. He adds that the problem may be except that the direction of light beam head lamps, although it is now regulated by GOST. Preparing technical regulations "joy" to those who are going to bring a car from America. Rakhmanov recalled the three difficulties.Secondly, the problem will be with the head optics, whose light distribution is different from European. Minpromtorg representative said that if adjust them under European standards is impossible, then they will have to change. Rakhmanov, apparently forgotten that some "American women" as "pravorulek", there is no European analogues. Accordingly, I was "wrong" lights are not on that. And, thirdly, the difficulties arise with the rear turn signals. We "Americans" they are usually red, but in Europe and Russia rules require them to be yellow. For questions regarding the inspection and insurance for Japanese and American cars Rakhmanov replied: "We address the issue sooner, it will be determined by the law relating to insurance." According to him, if the car passes inspection, it shall comply with its basic rules and procedures. It may seem that the owners of pravorulek "and" American women ", the cars are already imported into the territory of Russia, are registered and are in operation, will not touch. But concerns still remain. According to "Rossiyskaya Gazeta", both the guest stated that all vehicles imported before, have the right to life, until the technical regulations do not come into force. Many uncertainties, but representatives of the departments say: before coming into effect for another year, for which will be explained in some rules. It is reported that in accordance with the regulations will lead many documents, among which the Road Traffic Regulations of 1993. Recall that the technical regulations do not contain an explicit prohibition on the import of cars in Russia with the right arrangement of controls. But there are other items that are actually prohibit entry "pravorulkam" into the country. The stumbling block will be a head optics, configured to drive on the left. The most striking and absurd, that included a paragraph that sets the length of the vehicle identification number. It should be 17-digits, while the machines for the Japanese market VIN - 11 digits. Here you have an extra forbidding aspect that has nothing to do with the safety of vehicles. Also banned the import of "American women" because of the notorious red rear turn signals. "I suspect that there is a definite challenge - issue a document that would protect not safety of road users, and the interests of certain groups, institutions and personalities", - told GZT.RU leader of the movement of motorists' freedom of choice "Vyacheslav Lysakov. Import RHD vehicles is prohibited, although the Japanese are the highest standards of quality and the most stringent worldwide standards for security. And banned the import of American trucks, like human rights activist. These vehicles are most appropriate for thousands and thousands of truckers on the quality-price ratio. "I am afraid that the framers of the document is not in a position to understand how it will work", - considers Lysakov. He noted that the regulations made negligently, the wording ambiguous. Untimely and his appearance, especially against the background of the crisis. "The goal was one - to push through the document. In the first analysis of the mass of puzzling questions arise, - human rights activist says and adds: - Creators of the document is a little worried. "

Cars by the end of the year prosyadut in price by 15% .

Sales of passenger cars in Russia fell by 51% compared with last year. Therefore, in early 2010-th to be expected epidemic of discounts on cars, experts are assured. The fall of the market sales of passenger cars in the country proved to be disastrous. As a result of ten months (January-October) this year, sold 1.2 million new vehicles, a 51% lower than the same period of the past. These figures have been published automakers Committee of the Association of European Businesses (AEB). And if in January with every month the number of vehicles sold declined, in October sales have remained at about the level of September. The difference amounted to only 1%. Statistics indicate that the situation in the automotive market is stabilized, and may have reached bottom, said "Work" the chairman of the capital branch of the Federation of Russia Sergey motorists Kahn. But to expect that soon the situation changed dramatically, not worth it. According to experts, the pre-crisis level of sales achieved not soon. After all, they grow mainly at the expense of budget options for vehicles, such as domestic or foreign car Lada Priora Renault Logan. Their sales in October even increased compared with the previous month. The remaining idle in showrooms. Stabilization and promote the sale, organized salons. Already discounts on brand domestic automobile industry is 5%, and foreign cars reach 7%. This is not the limit, says expert. Given that the market sales fell twice, now filled with car dealer not only that, but also last year. "To get rid of unsold goods in January-February next year should be expected epidemic of discounts. They achieved 15% ", - assured Sergey Kahn.

VW ranked first among automakers

Just over a year ago, Volkswagen, through transactions with the shares of Porsche, for a time became the most expensive company in the world. Now the concern to catch up and took the position of the largest manufacturer in the world. However, this title was a conglomeration of VW-Porsche, which currently has built 4.4 million cars, and that four hundred units more than Toyota. It is, however, consider that Toyota has reduced production by half at the beginning of this year and to close the plant in February. VW production to an extent not stop, and the main jackpot plucked from program reimbursement for the old cars, is now actively promoted in Europe. In addition, the Germans defeated the Japanese in the Chinese market, where they will deliver the special series of cars. However, all is not lost, because Toyota intends to make another 7 million vehicles.

World car market will return to pre-crisis level in three years

World car market will return to pre-crisis level of sales only in 2013. This forecast was made executive director of the group Volkswagen, Martin V.

Auto loans: if the car you are not a luxury.

How to buy a car if the money to buy lacking, but credit is too expensive? Buy a car today can be due to zero credit or buying a Autogroup. However, such loans can be quite dangerous to your wallet. On the possibilities of such lending recognized "Prostobank Consulting. Buying a car - a very interesting topic, and many banks and nonbank organizations can boast "the best" conditions to help you realize the dream. Despite the decline in sales and production of world auto brand in the market still offer credit programs. And what is most interesting, along with auto loans at 25-30% per annum, there were also zero loans (loans with 0% APR). If you look at the section of the credit market, it becomes evident the need for its revival. Sales declined sharply, car dealers do not just sell old stocks, but also severely reduced the volume of purchases of new cars from abroad. All these negative factors are directly related to the catastrophic decline in purchasing power and reduced demand for goods is not essential. Coupled with inflation and a corresponding increase in prices - purchase of this size is just a "mirage" for those who dream about cars. To revive the market in car sales, manufacturers are beginning to "jazz up" its dealers and create a program targeted funding loans on their products.

Auto loans: beautiful, but expensive (analytical review)

In June, the U.S. automaker general Motors (GM), which for 77 years been the world leader in the manufacture of cars, went to court in New York with the application for bankruptcy. Not just GM, but other giants of the global automotive industry today is undergoing a deep crisis due to the sharp decline in sales of their products in 2008 and early 2009. "World car market in 2009 could completely collapse because of concerns about credit availability and the difficulties experienced by the global economy," the report says an influential U.S. think-tank agency JD Power and Associates. Same problems today have Kazakhstani producers and dealers. Thus, in 2008, automobile assembly plant "Asia Auto" has produced 2 times less cars than in 2007. Official dealers in 2008 sold 33% fewer new cars than in 2007, and in January 2009 - at 46,36% less than in January last year. The secondary automotive sales slump in 2008 was even stronger than in the primary - by 60%, according to official statistics. Experts in automotive expect that these negative trends in 2009 continue. Especially now in the Government is considering the possibility of a significant increase in customs duties on imports of both new and used vehicles. The main causes of decline of sales are the same as everywhere else - reducing solvent consumer demand and reduction of car loans by banks. So, For example, in the company "Astana Motors", which is the largest automobile "white" dealer in the Kazakh market, the number of transactions in credit in 2008 decreased by 38% compared to 2007. Consumer lending (which includes loans and auto loans) is generally much reduced in 2008 and especially in the beginning of 2009, for example, if in July 2007 on consumer target population was granted loans amounting to 157 billion tenge in March - only 17 billion The average cost of credit established at a level above 20% per annum. At the same time increasing the rate of growth of arrears on consumer loans - from 6 billion at the beginning of 2007 to 67 billion in April 2009. Many banks in these conditions have suspended lending, including the purchase of cars. Others have tightened lending terms. But still get this car loan at the bank's real. Conditions for obtaining such credits are listed below. Of the ten largest banks to lend to car buying People's Bank, Kazkommertsbank, ATF Bank, BTA Bank, Bank CenterCredit and Eurasian Bank. Incidentally, the last - the only one of the top ten last year increased its auto loans. From providing this service today, temporarily abandoned Alliance Bank, Temir, kaspi bank and Noor Bank.

The concept of monetary.

Money - the movement of money in cash and cashless forms, serving the realization of goods, as well as non-market payments and settlements in the economy. The objective basis of currency is commodity production, in which the commodity world is divided into commodity and money, giving rise to contradictions between them. With the deepening social division of labor and the formation of national and world markets under capitalism, the circulation of money is being further developed. It serves the circulation and the turnover of capital, mediates the circulation and exchange of the total social product, including the proceeds of various classes. With the money in cash and cashless forms in the process of circulation of goods, as well as the movement of the loan and the fictitious capital. Money is divided into two areas: cash and noncash.

Epitaph for car loans over the next five years.

Previous years, the market for banks has increased. "Over the past few months the market has changed significantly. Due to its redistribution, many banks have liquidity sufficient for the resumption of lending, as shown by the expansion and the number of banks - says Anton Shaperenkov, Head of product development for retail business VAB Bank. - In addition, car dealers, have difficulty with the implementation of vehicles, ready to reimburse part of the interest rate on the loan. This market is attractive for banks in the ratio of risk-return ". However, the main difficulty for banks is that Ukrainians "fallen out of love" loans. "Significant amounts of automobile loans directly dependent on large volumes of sales, as well as the solvency of the population and their confidence in the banking system. We very rarely share of automobile sales in the credit goes to 15-20% of the total. Even under the condition that the dealer instead of 10, will sell 100 cars a month, there is no guarantee that credit will increase sales - says Roman Bunich, deputy director of department of sales through alternative channels and partners, Index-Bank. - Unless a trust to banks and understanding of the stability of their income, the loan will be sold just as 10 cars a month. While before the crisis on individual brands sold and up to 70 credit cars. So I would say that it is more about partial recovery, rather than the full renewal. Some banks may now run situational projects with individual dealers or importers. For example, it may be, as the final sale of 2008 model year and the beginning of testing a banking product under the new conditions. However, most banks car loans are still included in the last row in the list of priorities today. " And, as a result - prophecy of the return of car loans.

And then?

In addition to sluggish demand and stringent criteria for selection of borrowers, there are several reasons that prevent the revival of mass automobile loans. "The presence of the banks problems with the existing loan portfolio, liquidity problems, customer churn segment SME, the retention of which are needed lending, lack of necessary technology and so on - explains Michael Vlasenko, chairman of the board of OAO Astra Bank. - In addition, each bank has its own strategy and tactics change the format of doing banking business in post-crisis economic conditions. Many leave the market for retail lending and focus on other segments. "Today, lending is not a priority for most banks, in principle. In the priority they have - increasing its own liquidity, deposit mobilization and "struggle" for the quality of loan portfolio ", - adds Anton Shaperenkov, Head of product development for retail business VAB Bank.

Auto loans and auto shop.

For a potential borrower Union Bank of car dealers apparently differs from the usual pre-crisis pattern: no bank staff in the salon. The fact that previously, given the number of people willing to get a loan, the question is the speed processing, and today sales salons do not require the presence of bankers. Therefore, the borrower or simply come to the bank and arrange the loan yourself, or leave an application for credit in a special showroom manager, who handles the application using the software of the bank. But the biggest surprise of such programs for potential borrowers - are the best conditions for the loan, in particular, low interest rates, not only nominal but also real, given the bank commissions. For example, according Prostobank.ua, as of 02.11.2009 could take credit for a year at the Subaru and Renault just under the 4.62% real per annum (with an advance of 50% INDEX-BANK), and on this list interesting suggestions are not exhaustive. "For the bank, in the first place, it is interesting that such cooperation shall reimburse the auto show him part of the interest rate, thereby making a bank loan for the client more attractive. With regard to car dealers - they get extra sales. Benefits for dealers in cooperation with the banks were now more than ever obvious, because after the termination of credit sales have fallen dramatically, "- explains Anton Shaperenkov, Head of product development for retail business VAV Bank.

World crisis: no one wants to risk

Falling shares motorcar giants comes amid falling share prices in all world markets. "There's a panic, no one wants to risk it. All want their money and put them under the pillow, "- says David Vis, chief economist at the agency Standard & Poor's in New York. "Indeed, due to the escalating crisis of confidence in the stock markets, investors regardless of the prospects of a company trying to get rid of the securities from virtually any industry", - accepts general director KUA "Ineko-Invest" Oleg Morkva. However, according to experts, the situation is deteriorating and the economy of specific enterprises. "Consumer lending is currently limited, demand for cars falls everywhere. Reduction of sales, in turn, leads to the fact that automobile corporations not only loses a profit, but also begin to experience serious financial difficulties. As a result, production of automobiles and parts is reduced, and shares of companies on the stock markets are becoming cheaper, "- noted.

When buying a car? Global Realities

Car sales in 2009, a catastrophic decline, foreign experts are unanimous. According to Jeff Schuster, executive director of authoritative consulting company JD Power and Associates, if in 2008 the global automotive industry is experiencing recession, the 2009 global market is waiting for this collapse. General Motors shares fell by 31% (the lowest level in 50 years of the last century), shares of Ford fell 21%, reported news agencies. Recall that last week a member of the Board of Directors of Skoda Auto, Fred Kappler said the company plans to stop the factory in Mlada Boleslav in the last week of October because of declining demand for new cars. Thus the company will reduce production by 13 thousand units. Although Skoda previously reported to an increase in global vehicle sales for the first six months of 2008 by 18%. Western experts have called is not too encouraging car market figures: sales of passenger cars in Europe in July 2008 decreased by 7,3% compared with the corresponding period last year. For example, sales of Volkswagen fell by 4,7%, the group PSA Peugeot Citroen - by 9,1%, concern Ford - on 8,2%, General Motors shares on 12,7%, Renault - on 8,5 %, Toyota Group - on 12,9%, Honda - by 19,2%.

5 November Opel unions begin strike across Europe

Germanic Opel unions called for strikes across Europe in protest against the decision of the American automaker general Motors does not sell Opel Russo-Canadian Alliance Magna-Sberbank. Opel works council head Klaus Franz said that the short "warning strikes" will begin today, November 5, transmits (C) Associated Press. Germany's industrial union IG Metall, defending the interests of the Auto Workers, said that four German Opel factories on Nov. 5 will be suspended work. Opel workers in other European countries follow the example of their Germanic counterparts on November 6. Recall the night before it became known that GM refused to sell a controlling stake Opel consortium Magna-Sberbank. general Motors does of Directors has decided to leave the Opel as a group. GM decision provoked a storm of negative emotions in Germany. Representatives of trade unions considered the decision of GM Opel insulting and even treasonous. At the same time, co-director Siegfried Wolf, Magna said that his company will continue its cooperation with Opel and GM. "We are sympathetic to the discretion of management to keep GM Opel in the company", - said Z. Wolf.

Production Ford Kuga crossover will transfer from Europe to the U.S.

Manual of the American automaker Ford plans to shift production Kuga compact crossover from Germany to the United States.Produce cars in America cheaper than in Western Europe, the magazine notes "the wheel". Falling dollar and cheaper labor costs help to reduce the company, reports the agency Bloomberg. Since October 2011, assembling Ford Kuga establishing a company in Louisville, Kentucky. Every year 80 thousand cars will be sent to European countries.

general Motors agreed to sell its iconic brand for undisclosed sum.

The parties were negotiating the sale for many months. GM is in the process of sale and liquidation of many brands trying to reorganize its structure after declaring bankruptcy in July. Earlier this month concerned the automaker announced that it turns off brand Saturn. This happened after the "Penske Automotive Group refused to buy it. GM has already announced it was closing its production cars Pontiac. Also close to the European brands "Saab", "Opel" and "Vauxhall". GM Brands Continue to operate: # Chevrolet # GMC # Cadillac # Buick Ceased to function: # Pontiac (discontinued) # Saturn (discontinued) # Hammer (sold) # Saab (to be sold) # Opel (to be sold) # Vauxhall (to be sold) GM plans to update the structure, focusing on fewer brands after the bankruptcy, which became necessary after it during the crisis sharply reduced sales of automobiles. Next Generation In accordance with the terms of the agreement, Tengzhong acquire 80% stake of the company "Hammer", and the remaining 20% depart the Hong Kong entrepreneur Suolongu Duodzhi. Current management "Hammer" will continue to manage the company. The agreement still requires approval by regulatory authorities. Humvee - is a major global brand, and this agreement is a milestone in history as the "Hammer" and "general Motors" in general, "said GM Chairman Fritz Henderson. The company also reported that the focus on improving efficiency, including the introduction of diesel engines. "We are encouraged by some of the technology already embedded in the" Hammer ", so we believe that our investment will soon be justified, especially with regard to creating the next generation of fuel-efficient vehicles that will be required to meet the challenges of not only time but also the expectations of clients "said Yang Yi, director Tengzhong. Falling stars Hummers originally built as military vehicles terrain by AM General. Popularity brand soared, as U.S. motorists have powerful vehicles that were touted by such celebrities as Arnold Schwarzenegger and others. GM acquired the brand "Hammer" in 1999. Recently, sales have decreased considerably, since the car is consuming too much fuel, and military image became less popular. Humvees weigh up to five tons and spend about a gallon (~ 3.78 liters) of fuel at 15 miles (~ 25 km). Tengzhong specializes in the creation of equipment for road construction and energy industries. Company is located in the Chinese region of Sichuan.

Toyota has developed a paint regenerating

Toyota has developed a paint for coating the transparent layer, which has the ability to repair itself. This means that the various small scratches, arising, for example, washing would be a problem. Unlike a regular layer, new development, Toyota would not be so easily damaged, and will be easier to recover after deformation. Moreover, the paint does not require special care, shine and prevent dropouts increases life expectancy of the original exterior colors. Composition of paints involves closer ties of molecules, thus the structure becomes denser. All this together gives the effect of flexibility and elasticity, and resistance to sun and acids. New Toyota plans to use its development in the Lexus LS, which will be updated soon.

Suzuki prepares for centennial

Year 1909 was a fruitful among automakers. Then the light appeared Audi and Bugatti, Ford and general Motors. Since that time takes its origin Suzuki, although the company in its development had to go over the winding path. Thus, the engine production began only in 1952, when it was decided to equip the bikes motors. After another couple of years, was released the first car Suzuki - Suzilight, which was equipped with a two-stroke engine of 360 cubic meters. cm, front drive and four-wheel independent suspension. Then things went by leaps and bounds - in 1989, Suzuki made about 10 million cars per year. By the way, celebrating its anniversary, the company plans to come to grips with the implementation of technology start-stop and other innovations, presented this year in Geneva. In the company's plans have cars on hydrogen and fuel-flexible.

EU authorities will check the sale Opel until November 27

The experts of the European Commission, the chief executive body of the European Union, until 27 November will determine whether the transaction is contrary to the sale of the German automaker Opel consortium of Austro-Canadian company Magna and Sberbank of Russia's European competition laws, said on Monday AFP. Manual GM announced the sale of a controlling stake Opel consortium Magna-Savings Bank on September 10. Following the transaction, the consortium will receive 55% of the company, employees Opel - 10%, and GM reserves at its disposal 35% of the shares. Last Thursday, Magna and Sberbank gave the European Commission documents on the transaction, and now the European experts to decide whether to approve the sale automaker. The agency notes that as the executive body of the EU may require the parties to fulfill certain conditions, or to appoint a more extensive review. The main objective of the EC experts - to determine how and to what extent the implementation of the deal will affect competition in the European market. Also, Brussels should make a separate decision on the allocation of the German automaker financial assistance from the Germanic government in the amount of € 4,5 billion on the estimated date when the EC will decide on the matter, are not reported. A few days ago, said the agency, the European Commission documents on about whether the financial assistance promised by the Government of Germany, the European legislation on competition. At the same time, the EU executive body stressed that the Commission documents on intend to block the sale of Opel consortium Magna and Savings Bank, but only wants to know "whether the unacceptable (in terms of EU legislation on competition) the conditions of allocation of money." On Friday, vice president of general Motors, John Smith reported that the signing of a definitive agreement to sell the German automaker Opel consortium of Austro-Canadian company Magna and Sberbank of Russia will be held no earlier than November 3.

BMW 5 Series will stop production?

For the new BMW 5 Series Gran Turismo can be treated well, can be bad, but you can not deny the fact that this car will soon cease to exist. From the Bavarian automaker has stopped accepting applications for the fifth series sedan E-60, as of December this year scheduled to stop production. The reason - the preparation for the launch of new models and the reorganization of facilities. At the moment the representatives of the dealer network were instructed to get only "special orders" on the 5 Series cars. A future version of GT with ActiveHybrid will be available by the end of next year, if the production plan will be executed. But panic is not necessary - thanks to the timely warning in showrooms will remain a number of cars on an extreme case. "

Nissan confirms the production of three electric

At the head of the Tokyo Motor Show Nissan, Carlos Ghosn (Karlos Ghosn), confirmed that the Japanese strategic partner Renault will present ruler, consisting of three whole electric vehicles. The first of them will hatch Leaf, announced in August. In addition to his Nissan is planning to produce an electric version of the light commercial van NV200, which debuted in Geneva. Ghosn also said that the third electric will be released under the brand Infiniti: it will be a compact four-sedan. When exactly will be submitted to the third car is unknown, but there is evidence that the new Infiniti will build on the platform Leaf, which provides only electric. However, there is a chance that soon will be, and the fourth car, presented at the moment as a concept Land Glider.

The final agreement on the Opel will be signed no earlier than Nov. 3

According to him, the decision to sign a legally binding contract can be taken at a meeting of the Board of Directors of the American company on November 3. Smith said that the leadership plans to discuss the letter from the Minister of Economy and Technologies of Germany Karl-Theodor zu Guttenberg European Commission, in which he explains, does the buyer's choice for Opel from the German government financial assistance to 4,5 billion euros. "Taking into account the importance of the transaction to Opel, GM board of directors will soon hold a scheduled monthly meeting (3 November) to consider the letter Gutenberg and changes to the proposal of the consortium Magna-Sberbank, which have been made since his last examination on Sept. 9" - quoted Smith Agence France Presse. The representatives of GM on Sept. 10 announced an agreement to sell controlling interest in its German subsidiary Opel consortium Magna-Sberbank. At the same time it was signed and a preliminary agreement, bearing a recommendation that, after completion of the transaction the consortium will receive 55% of Opel, the labor collective of the company - 10%, and the GM reserves at its disposal 35% of the shares. Until recently, the signing of a definitive agreement on the division of Opel was delayed because of continuing intensive consultations between management and union representatives of the consortium automaker in Spain and Britain over the company Magna planned job cuts. The original plan Magna, part of the restructuring of European plants Opel intended to dismiss 10,5 thousand of 55 thousand, including 4,7 thousand in the UK, 4.1 thousand in Germany and 1.7 thousand in Spain. Later executives Magna reduced the number of planned layoffs in Spain to 1.35 thousand people. Last week, representatives of the consortium Magna-Savings Bank announced changes in the restructuring plan in connection with the protests voiced by the workers at Opel plants across Europe. Magna and Savings Bank announced that guarantee the preservation of 70% of production capacity in the period from 2010 to 2013 and also undertake to invest in the development of the plant in Zaragoza.

Toyota thought of third world

Toyota and its "daughter" Daihatsu working on a budget a car worth up to 10,000 dollars. His develop with an eye on emerging markets, where the popular low-cost machines. Among these countries - Russia. The car will compete with the compact from Nissan, Renault and Tata. The basis will be derived model Yaris. Production will start in the next few years.

In the United States published rating of the most economical cars

The U.S. Agency for Environmental Protection (EPA) published the ranking of the most efficient cars available in the U.S. market in 2010. As expected, nine out of ten positions in the top-10 took the hybrid model, with seven of them are made by Japanese companies, two - American and only one is of European origin. In addition to the overall ranking, the site is available and EPA-separated list of classes of machines. It "farmed out" to the Japanese and Europeans completely given the compact segment, while domestic manufacturers dominate the production cost of pickups, SUVs and minivenov.Desyat most fuel-efficient cars under the version of the Agency for Environmental Protection SSHA1. Toyota Prius2. Ford Fusion Hybrid / Mercury Milan Hybrid3. Honda Civic Hybrid4. Honda Insight Hybrid5. Lexus HS 250h6. Nissan Altima Hybrid7. Ford Escape Hybrid / Mazda Tribute Hybrid / Mercury Mariner Hybrid8. Smart ForTwo convertible and coupe with AKPP9. Toyota Camry Hybrid10. Lexus RX 450h

Volkswagen is now the most expensive in the world.

Market capitalization of the company rose to the highest amount of 296 billion euros. For these indicators, it is provided, go to the top of the world's concern from Germany and around the U.S. oil company Exxon Mobil. More than 6 times in 2008 showed growth stock car company Volkswagen. Statement of Porsche increasing its part in the Volkswagen Group to 75% was for this reason. Free car group Volkswagen shares on the market today almost never find. Owner of 42, 6% stake in VW - Concern Porsche - now controls a further 31, 5%, being the largest shareholder. Porsche auto giant to increase its stake in VW Group and 75% lack of 0, 9% of the shares. Lower Saxony, Germany belongs to the 20 percent stake in the company VW. Now owned by Volkswagen as a subsidiary of German car company Porsche AG, but actually from the middle of September. Share creator sports car in the Volkswagen now is 35, 14% after the purchase of additional 4, 89% of the group Volkswagen. Thus Porsche had acquired a majority of the board of directors of the most popular germanskogo automaker. Strangely, Volkswagen earns in a year, fifteen times more Porsche AG - 108, 9 to 7, 38 billion euros. And what of employees in the Porsche AG 11 thousand people compared to 343 thousand in Volkswagen - 30 times less.

The world market for cars, restored in 2013.

Car markets around the world reached pre-crisis levels by 2013, lead agency Bloomberg words Volkswagen CEO Martin Winterkorn. In 2009, the drop in sales will continue. Market fall to 49 million vehicles, or 17%, compared with pre-crisis peak. However, according to M. Winterkorn, recovery next year is also not guaranteed. In 2007, the world has sold about 59.2 million cars and light-duty trucks, according to IHS Global Insight. "It is clear that 2010 will be a very difficult year", - said the head of one of the largest automakers in the world. "There are increasing signs that the worst in the current crisis, we can be, and survived, but we need a lot of time to recover", - M. Winterkorn.

A car is not a luxury, but a means of lending money

The boom in consumer lending continues in Azerbaijan. People borrow money to buy whatever they can: mobile phones, furniture, white goods, computer equipment... But the greatest demand is probably for credit to buy cars. Even today, as the notorious financial crisis spreads across the world, there are queues at Baku showrooms to buy cars on credit.More cars, beautiful and newAccording to information from the Azerbaijani Transport Ministry, 250,000 cars were imported to Azerbaijan from 2004-2007. At present, 773,000 cars are registered in Azerbaijan, and there were 71 cars per 1,000 people in late 2007. The explanation for the high demand for cars on credit is quite simple. And we should begin by saying that, at present, the annual income of the average Azerbaijani makes it impossible to save enough money to buy a car over the relatively short period of two or three years. For example, according to the State Statistical Committee of the Republic of Azerbaijan, the monetary income of the Azerbaijani population from January-October 2008 was AZN 16,504.2 million, which equals AZN 1,930.7 per capita. 65.2% of this income was spent on consumer goods and 9% on taxes, social security and other expenses.And because a new car, even a modest one, costs at least AZN 11,000, the saying that "a car is not a luxury but a means of transportation" does not hold for many people. True, the Russian-made VAZ-2107 is relatively cheap on the Azerbaijani market and costs AZN 7-8,000. However, the good old "sevens," which are effectively the same as in the Soviet era, do not match the tastes of modern-day buyers. Of course, roughly the same money will buy you a relatively upscale, albeit second-hand, European or Asian-made car. But then you risk spending a lot on maintenance. All these factors brought about a trend which took final shape last year: Azerbaijanis began buying increasing numbers of new cars. And the extra import duty on second-hand cars, which was introduced in late 2006/early 2007, only strengthened this trend - encouraging dealers to introduce simplified methods of lending money to consumers.In fact, the car loan, as a banking product, is a relatively young service. Just a few years ago, buying a car on credit at an acceptable rate of interest was difficult, and only a few banks issued car loans. Today, the car loan occupies top position in the list of banking services for individuals, and virtually all the showrooms offer cars on credit. Statistically, more than 60% of the cars in Azerbaijan are purchased on credit (Fineko). Given that the interest rates on car loans are offset by rising prices and inflation, the customer does not really pay over the odds for the product and monthly instalments are not particularly burdensome for the family budget. Car loans enable customers to use the car today and pay tomorrow. Incidentally, car loans are very popular abroad, and the number of cars sold on credit amounts to 70% of total sales. In the United States and Europe, credit purchase is the only way for many people to buy the model they like quickly and affordably.The demand for car loans is growing in Azerbaijan too. The joint operations of showrooms and banks, which are popular all over the world, are gaining a foothold in Azerbaijan too. Aware that they operate in a highly competitive environment, dealerships and showrooms do their best to win over new customers and keep existing ones. They offer unique buying options; sometimes the buyer gets a free insurance policy or free oil changes for one year, maintenance discounts or company souvenirs. Sometimes dealers offer loans on better terms than banks' standard loans.There is no sales slumpAs we can see, the demand for new cars and, accordingly, car loans, is high. But what is on offer? We will have to touch upon the matter of the unfortunate global financial crisis to supply the answer to this question."In October 2008, global car sales fell to a 30-year low on world markets," say early-November reports from multinational car manufacturers.The company most affected was general Motors, with a 45% fall in sales; Ford Motors reports 30%. Plummeting sales on the US market were bound to affect Japanese manufacturers too: Nissan Motors announced a 33% fall compared to last year, Honda's sales fell by 30%, Toyota Motors' by 23%.Analysts point at falling personal incomes, mass lay-offs, higher fuel prices and the sense of insecurity as the main causes of the dwindling demand.Thankfully, the situation in Azerbaijan is different. The local offices of leading manufacturers say that no fall in demand has been observed so far.In the mean time, the National Bank of Azerbaijan has instructed the country's banking sector to tighten the supervision of, and requirements for, issuing car loans, say sources in banking circles. The National Bank is trying to reduce the risks faced by Azerbaijani banks and to protect them from the effects of the international financial crisis. The banks which are most active in issuing car loans have been forced to revise loan terms, and some of them have stopped issuing credits altogether.One of the requirements of the National Bank was to reduce the repayment period from five years to three and to raise the current down payment requirement of 20%. Because of the cut in interest rates to 10% by the National Bank, interest rates for car loans should be lowered to 15%, suggests the National Bank. So, the decision to reduce the loan repayment period was the only concession to the financial crisis made by showrooms which sell cars on credit.The Toyota showroom reports that their sales personnel sell cars with loans from four banks: Nikoil Bank, UniBank, AGBank and Pasha Bank. Cars are sold on credit at an annual interest rate of 24%, with an initial payment of 30% and a repayment period of 2 years, whereas, previously, interest rates were 19-21%, with a down payment of 10% and a repayment period of 5 years. The showroom also noted that "because these banks are short of cash for loans, talks are under way with other banks."The Subaru showroom works with Bank Respublika, which issues 5-year loans at an interest rate of 21% and a down payment of 30% (before, only 20% was paid up front, and the interest rate was 22%). We were told at the showroom that "car prices can change only if the manufacturer makes appropriate changes in its policy;" this is now stable, thus no price changes should be expected.The hyundai showroom works with the Bank of Baku. The down payment here is 25%, and 3-year loans are issued at an annual interest rate of 24%. In the past, it was 20%, 22% and 5 years, respectively.The Nissan and Ford showrooms work with the NBC Bank on the following terms: down payment 20%, interest rate 23%, and repayment period 5 years. "A revision of the loan repayment period and interest rates is unlikely," the showrooms and the bank told us.Finally, Porsche showrooms work with Bank Standard, and there has been no change in either interest rates or the repayment period there. At present, the down payment depends on the cost of the car. The repayment period is 5 years and interest rates vary from 19% to 22%. However, Bank Standard told us that it has raised its car loan interest rates from 18% to 19%, the down payment requirement from 20% to 35%, and they have reduced the repayment period from 5 to 3 years. The bank said that all the terms for car loans (percentage rates and repayment periods) will be revised in the near future, although agreements already made will not be revised.The Nikoil Bank offers 1-year car loans in euros at an annual percentage rate of 20%. The bank used to issue longer-term credits, but has now suspended them.However, a number of banks have suspended car loans. These include Atra Bank, Azerbaijan Senayye Bankasi and Kapital Bank. We were told at Kapital Bank that contracts already made with customers will remain in force without revision. The bank issued credit on the following terms: 2-year loans in manats were issued at an interest rate of 13% and 3-year loans in manats were issued at an interest rate of 12%.Strategic car loansWhen the suspended car loan programmes will resume is uncertain. We should note that, for example, a number of Russian banks have also suspended their consumer credit programmes, citing "losses which these services incur during the economic and financial crisis." Other banks have tightened requirements for borrowers. Now they will focus on the reputation of the company where the potential borrower works, the field of his or her activity and the level of university education. However, Russians remain cautiously optimistic about the future of the car market, and only 30% have decided to postpone the purchase of a car. Unfortunately, we have no equivalent statistics for Azerbaijan. What we do know, though, is that the showrooms will lose profits if banks suspend all their car loan services. Rashad Aliyev, general Motors the Toyota Centre in Baku, said that, because at least 60% of the cars in the country were sold on credit, "Sales are likely to at least halve if the banks suspend car loan services." Many dealers have already announced special, discounts for payment in cash. However, in Mr. Aliyev's opinion, "it would be problematic to make up for the absence of car loans with these types of offers."There are other statistics too. In the first three quarters of 2008, almost 55,000 cars were imported to Azerbaijan and the total number of cars imported is expected to reach a level of more than 80,000 by the end of the year. Problems with sales can cause problems for the national budget too. In August alone, car imports earned the national budget $40 million in customs revenues.Obviously, neither car manufacturers, nor dealerships, banks or the government are interested in the total suspension of consumer credit services in general Motors loans in particular, especially as the changes in sales terms in the showrooms of Azerbaijan have not affected prices. However, the annual interest rates on car loans remain as high as ever and, as we may infer from the above-mentioned facts, vary between 19% and 24% despite the National Bank's recommendation to cut interest rates to 15%. Let us also note that in neighbouring Russia, you can get a car loan at interest rates from 7% a year!Average interest rates on car loans for new cars there vary from 13.5% to 17.5% a year in roubles and 9%-11% a year in dollars or euros. But there are also some truly fantastic schemes: one of the showrooms asks its customers to pay 50% of the price of a Ford Fusion or Ford Fiesta upfront and take out a loan to pay the rest at only 4.9% a year! In other words, Azerbaijani dealerships certainly have room for improvement, especially as, despite all the concerns over the liquidity crisis, many banks still consider car loans a strategic element in the development of their businesses. This means that more dealerships will enter partnerships with banks and offer good car loans, which will spur competition in the market and should eventually drive interest rates down.

At the Tokyo Motor Show, mitsubishi will present two world premieres car market

The International Motor Show in Tokyo (Tokyo Motor Show, October 21 - November 4, 2009.) mitsubishi will present will present two world premieres: a conceptual "hybrid" car PX-MiEV concept and commercial electric i-MiEV CARGO. mitsubishi will present once again confirmed the reputation of the innovation leader. At the Tokyo Motor Show the company will present "hybrid" concept car PX-MiEV, which is a model of adaptability and economy. World premiere: the concept "hybrid" car PX-MiEV PX-MiEV is powered by two synchronous electric motors, which provide a total power of 80 hp and 200 Nm of torque, as well as petrol engine volume of 1.6 liters and power 116 hp and 200 drives the front wheels, and, moreover, works as a generator, charging the batteries. When driving on wet or snow-covered road, as well as abrupt maneuvers and accelerate automation connects the electric motor that spins the rear wheels. System wheel-drive E-4WD optimally distributes torque between the axles, and an active rear differential E-AYC (Electric-powered Active Yaw Control) practically repeats the function of Super AYC to mitsubishi will present. Also PX-MiEV is equipped with air suspension, electronically controlled. As serial electric mitsubishi will present, a concept car can recharge the battery from 100 or 200-volt outlet. Concept is equipped with a system of Driving Safety Support System in the second level (DSSS Level II), which now implements the Japanese traffic police: car receives information from the road along the optical sensors and, if there are dangerously close to other cars or pedestrians encourages drivers to be careful. Camera mounted in front of the driver, controls the movement of his eyes, allowing you to notice fatigue, and if necessary, gives voice signals. In-car upholstery seating includes deactivating allergens that neutralize odors and bacteria. The climate system saturates the air in the cabin with oxygen and negative ions, reducing fatigue and improving comfort. World premiere: a conceptual commercial car i-MiEV CARGO At the Tokyo Motor Show, mitsubishi will present will show a total of 16 cars, one of which - the concept of electric i-MiEV Cargo, which is made on the basis of serial electric i MiEV. i-MiEV Cargo is equipped with electric power of 64 liters. with. and torque of 180Nm. Without charging the battery electric vehicle can travel 160 kilometers. Volume of cube-shaped rear compartment of commercial electric two-seater is 1750 liters.

Investment in machines based on the Renault at AvtoVAZ will amount to 240 million euros

Togliatti, October 16 - RIA Novosti. Investments in production cars on the platform at AvtoVAZ Renault amount to 240 million euros, told reporters on Friday, Vice President of Strategy "AvtoVAZ" Grigorij Hvorostyanov. "These funds are designed for the next two years - before the start of production of cars on the platform of the B-0 and for the period prior to the production of cars in this category," - said Hvorostyanov. "From this amount of investment will amount to one quarter of Nissan, AvtoVAZ also invest one-quarter and half - Renault", - said Hvorostyanov. According to him, all since 2012 is scheduled to begin production of five new vehicles on the platform of the B-0, in two cars under the brand Lada, one of Nissan, the two Renault. In 2014, AvtoVAZ with Renault-Nissan Alliance platform B-0 is planning to issue 210 thousand cars.

Frankfurt Motor Show 2009: Lexus

Exposure allocated Lexus hybrid concept car LF-Ch, which represents a new stage of development Lexus, focused on a more youthful and dynamic audience, and is the first attempt to break the company in the premium C-segment. The car has three modes of driving, depending on your preference. For example, the EV mode allows for movement with minimal noise and no emissions into the atmosphere, ECO is designed for high mileage with low consumption of gasoline and a small amount of air emissions, and SPORT involves using "paddles petals" for faster shifting. Within the path, secured by the charge the battery, EV mode allows for movement in the city cycle with minimal noise and no emissions into the atmosphere, that is not available to owners of cars with hybrid drive systems srednegibridnymi. Confirming its success in the hybrid arena, Lexus introduced the full line of such vehicles. At the Lexus stand was possible to see the latest model RX 450h (299 liters. Pp., 6.3 l/100 km and 148 g / km CO2), the updated GS 450h hybrid sedan and the flagship model range Lexus - LS 600h L sedan with a full hybrid drive. In addition, the stand provided updated model of IS 250 F-Sport, the design of which the design elements used sports sedan IS F.

Card crisis came from the U.S. to Europe

Once experienced in the U.S. is booming credit card industry was now at risk. Although signs of improvements have already appeared, a high unemployment rate may well be the reason that the level of defaults on credit cards will remain high and the next year. And the wave is rolling on the side of the Atlantic to Europe. Earlier this week, some industry representatives have surprised experts by announcing a decline in July, the level of non-repayment of debt on credit cards, but the largest operator of MasterCard and Visa company Capital One has presented the growth rate of debt relief from 9,73 to 9,83%. On this basis analysts predict improvement in the overall situation, not earlier than the end of the year. Experts point out that the U.S. adopted new laws to protect consumers' interests will put pressure on profitability for a long period of time. "Business credit cards will have to painfully adjust to these changes and next year", - said Sterne Agee analyst Henry Coffey. For many years, the industry flourished. In the treatment was given 700 million cards, ie approximately 2.5 for every American. Now, in debt bondage on the cards were 44% of their holders. The problem with this was for the industry at a time when, during the economic recession, unemployment has overstepped 9%. Since the majority of operators to register steady growth of defaults on loans and the high level of write-downs, forcing them to become increasingly cautious in issuing credit cards. Despite the figures announced by Capital One, experts still believe that no later than the end of the year the situation for all operators discharged. In the end, for several consecutive months, the number of defaults on loans, which would have occurred immediately after the signing of the contract decreases. This kind of indicator that the quality of loans in the financial statements as a whole improves. In the future, new guidelines on consumer protection will hamper the sector's profitability. In particular, they prohibit the excessive increase in fees and penalty interest. Experts estimate that the revenues American Express and other operators until recently to grow at 20.5 billion dollars by masked in the contracts in small type of penalty fees and additional interest. Now, as experts believe, this figure should be the industry average half. Now managers who touched innovations, trying to find them and some positive moments. "Personally, I think that the new rules for the industry of credit cards are very useful," - said MasterCard CFO Martina Hund-Mejia in an interview with Handelsblatt, according to which, now the relationship between the consumer and the card issuing bank has become much more clearly regulated. "Even I understand that there is registered in small type, very difficult" - confessed Ms. Hund-Mejia. Implications of the United States new legislative directives already quite noticeable. Given that the possibility of using high penalty interest is limited, began to increase basic fees and interest. At the same time not as widespread as before, the practice of providing free maps associated with expensive credit card bonus programs. However, in the long-term renaissance of cash, which would be dangerous for operators of credit cards, Martina Hund-Mejia not believe. "I do not think that the number of credit cards will be less - she said. - People are too accustomed to comfort, they provide them.

Europe is waiting for a wave of defaults on consumer loans

Europe is waiting for a wave of defaults on consumer loans associated with financial losses, credit card holders in the United States, due to which U.S. banks have suffered billions of dollars in losses, writes today's newspaper RBC Daily. Experts do not rule out the pessimistic prediction that the losses by banks on credit cards to the European average will exceed 7%. According to International Monetary Fund (IMF), approximately 14% of U.S. consumer debt, amounting to 1.914 trillion dollars, will not be returned. The IMF predicts that Europe will lose 7% of total consumer debts amounting to 2.467 trillion dollars, and the most powerful blow will be the UK, which is the largest country in the region of borrowers with credit cards: credit cards where the indices of rating agency Moody "s show that the level of losses has increased from 6,4% of loans in May 2008 to 9.37% in May 2009. A British hotline for debtors National Debtline said that in May, took 41 thousand calls from consumers concerned about their outstanding debt on loans, credit cards and mortgages, compared with 20 thousand phone calls in May 2008. Judging by the statements of the service, even while no signs of reducing the number of requests. Experts point out that the United Kingdom, and other major European economies (although to a lesser extent) suffer primarily because of U.S. concerns. In the U.S., banks such as Citigroup, Bank of America, JP Morgan Chase and Wells Fargo, as well as credit card issuers such as American Express, have suffered losses in the billions of dollars in their portfolios of credit card and warned that they expect the new losses. "The concerns and fears of Europeans are quite understandable and justified, - the expert of the London School of Economics, Philip White." - "Bad" loans - a serious problem not only for banks. Instance, mortgage problems are already forced to take power in an unprecedented write-offs, which resulted a huge budget deficit. Therefore, U.S. banks going bankrupt, and dragging after him the rest of the world, and Europe is no exception. " Now the U.S. unemployment rate was the highest since 1983, reaching 9.4%, and, as predicted by the American Bankers Association, at the end of the year will be 10%, and early next year will pass this mark. "The only measures that could somehow have a positive impact on the current conjuncture - are measures to protect the common man, because the problem of non-payment primarily in the fact that people generally either jobless or have fallen under the substantial reduction in wages - the analyst Friedman Billings Ramsey Gary Townsend. - With regard to exactly what Great Britain was the most affected country in Europe, the case here in the affections of the economy of the United Kingdom to the United States. London depends on Washington's far more than Germany. "

In the Far East for recycling machines will pay half as much

Presidential Plenipotentiary in the Far East Viktor Ishayev proposed to increase premiums for avtometallolom for residents of the region from 50 to 80-90 thousand dollars. In his view, the Far East, compensation should be higher than for residents of other regions. It is reported by RIA Novosti. Under the program, developed Minpromtorg, from the middle of next year for delivery to scrap the old machine Russians will receive prize of 50 thousand dollars, you can use when buying a new car. Until the end of the year is planned to dispose of 200 thousand old cars, and the funding scheme allocated 10 billion dollars. However, earlier, some experts expressed doubts that the program would be viable, because in Russia there is no recycling plants for cars. In addition, domestic vehicles are not designed for recycling. Meanwhile, similar programs operating in Europe, USA and Japan, have led to an increase in new car sales in these countries. For example, in September in Germany, sales rose 21 percent in Japan - at 3.5 per cent in Britain - at 11.4 percent. In the United States in the same month sold 23 percent fewer vehicles than last year, but during the program was a sales decline at 12 percent. In Russia, currently in force other government programs supporting Russian auto plants - soft loans for the purchase of cars assembled in this country, part of the interest rates are subsidized by the state. As of Oct. 8, banks have already issued 40 thousand 887 car loans.

Banks promise to credit the rise by the end of the year

Market credit cards and car loans can become more active and get off at the normal volume for the winter 2009-2010. But on the resumption of the mortgage to wait before the summer just is not worth it: because banks do not know what will happen to property prices. By the fall of the banks have increased lending a bit. By the winter are projected to business loans for the purchase of automobiles, credit cards, and perhaps even potrebkreditovaniya should continue to gain momentum. While credit conditions at banks draconian, but the list finstruktur providing loans is increasing. Winter-spring population lent a total of five or six financial establishments, now - more than a dozen. Auto "steer" Today, one of the most accessible, if not take credit cards, a loan to buy a car. Get a loan for buying a car can be in 11 banks (six months ago there were only five). Average effective interest rate on auto loans in the beginning of September amounted to 24.82% per annum in dollars, the first payment - from 30% to 50% of the value of the car. At large banks interest rates higher than that of small ones. For example, one of the biggest financial establishments UkrSibbank offers credit for the purchase of imported or domestically produced vehicles by 30% per annum in domestic currency, the minimum down payment - 40% of the value of auto. Maximum loan term cars - five years, some models produced in China and all the cars, produced in Ukraine and CIS countries - three years. "Ukreximbank" grants loans for the purchase of any car under 26,75% annual in U.S. dollars (one-time commission - 1.8%), the first installment - 50% of the machine, crediting period - three years. Cheapest loans - a financial institution cooperating with the official dealers. For example, Index-Bank in collaboration with Renault Finance provides loans for the purchase of Renault and Dacia cars under 5.9% per annum for term loans of one year and the first payment on the loan 25% value of the car. If the credit period more than a year, then the second year the rate rises to 21,9% per annum, regardless of the amount of the first payment. In the crisis banks are trying not to lend to low-cost ( "Tavria", Vaz, "Niva") and very expensive cars (Jaguar, Porsche, Bentley), as both cheap and expensive cars in the low-liquid market, they are hard to sell. Mainly provides loans to buy cars mid-priced segment of the cost from $ 10-15 thousand to $ 40-50 thousand Projected administrator Vinnitsa branch of OTP Bank "Bogdan Ropotilova, the winter market car loans will become even more active and can enter the normal volume. - As well as credit card market - a fast market, which is rapidly rising or falling, to the same trend is understandable, - said the banker. - That there is a market forecast. Why not say, for example, on the mortgage. Inconsolable Mortgages However, several banks that are present in the city, offering mortgage loans today. However, the conditions leave much to be desired. There is evidence that some of these banks went to the issuance of such mortgages, that at least partially block the delay of the previously issued loans. But at the same time, if someone really badly wants to take advantage of such a loan - he has the right to do so. Thus, "Universalbank offers a mortgage loan, subject to 50% down payment, for up to 20 years at 23.95% in dollars. Mortgage loans in "Ukreximbank" are 28% per annum in U.S. dollars plus 1.2% of the loan one time commission, the loan granted for a maximum of 10 years, the first payment - at least 40% of the value of the object. Similar conditions in the bank "Forum". "Privatbank" on its website says that extends credit to purchase real estate for 20 years at 26.64% in dollars and subject to the availability of the first installment of 30% of the cost of housing. Bank "Kievan Rus" promises a mortgage of up to five years for a relatively small interest rate of 18% in dollars, but subject to an initial contribution from a potential contributor in 40%. According to Bogdan Ropotilova, some recovery in the mortgage market really is, but. - But, in this case, correct to speak about individual transactions, rather than on the market. Calling today's processes of "market" is still very early, - said the banker. - I think that the issuance of mortgage loans is activated in the best case in the summer of next year. There are many reasons, one of them - just do not understand what will happen to property prices further: whether they will fall or rise. Cash Loans Unsecured lending consumer needs not being disseminated in the banking market. In early September, such loans are only a few finorganizatsy. Maximum loan amount - 75 thousand dollars, a term loan - up to two years, the interest rate - 28-30% per annum plus a one-time commission of about 10% and 1-2% monthly. The effective interest rate on unsecured loans - 45-60% per annum. To obtain such a loan, the monthly official salary of the borrower must be at 120-130% higher than the payment on the loan. In addition, you want to bring one or two sureties and with a high official salaries. A small number of proposals unsecured consumer lending in the banking market due to the prohibition of the National Bank to provide loans without collateral, if the bank is unprofitable. Current trend In general, in the Vinnitsa region, January-July this year, received loans totaling $ 1,730.3 million. As the General Directorate of the economy in the Vinnitsa region, it is only 29% of the issuance of the corresponding period last year. However, the volume of credit investments, compared with the corresponding date last year, increased by 12% or 809 million dollars as at 01/08/2009 was $ 7,461.3 million. The share of credit investment banking institutions in the total amount of their assets on the balance sheet date amounted to 72%. Claims on credit, compared with the corresponding date last year, increased by 15%, or 1,028.4 million dollars, and as at 01/08/2009 was $ 7,769.2 million dollars, which is 71.6 million less - compared to 01.07.2009 year. At the same time, the total amount of overdue loans for the month increased by 24.3 million and as at 01/08/2009, stood at 486.5 million dollars, which is 354.0 million, or nearly four times the rate of 01.08. 2008.

Company of the week: Volkswagen Group

What can a few dozen disgruntled customers? Five regional dealer of Volkswagen concern almost lost because of their business: Novosibirsk Transit Service »(Skoda) and Prestige Auto» (Audi), Ufa Ak Motors »(Volkswagen), Kazan" Nur-auto »(Skoda and VW) and "Avantage Euro Motors» (Skoda) of Stary Oskol (Belgorod region.) delayed the payment of PTAs passed on to customers cars. Documents withheld importer - OOO Volkswagen Group Rus (FGR) is not received from dealers money for the client machines. Courts breaks dealership agreements, requests to pay extra for cars already paid several thousand dollars, the complaint FAS. This week, the FGR for the first year, that stretch of the proceedings, formally acknowledged that there are five concerns dealers, and promised to solve all the problems in the near future. The history of relations FGR, its dealers and disgruntled customers (the degree of anger man who paid 6.78 million rubles. For two cars and not received the documents, I think, do not describe) noisy, but not unique in Russia's automobile business. And the cause of conflict is the same. Even before the crisis avtoprodavtsy in informal conversations were told that automakers need representation from Russian dealers much more than their foreign counterparts: showroom to the highest standards and most popular route, service area - always with the latest technology. Do not want to build - will not get a quota on the machine. Do not execute a sales plan - if you like Welcome to the carpet in the office. Somewhere in Spain, no one will be surprised if in the same building dealer center adjoin two Germans from the Big Three. In Russia, I see this was not necessary. And dealers risked (believing that the market will grow without stops). Borrowed and built - who is the largest area in Europe, showroom, service center who is a fantastic posts. Someone put in a short construction loans. Sales have collapsed, and the term has come to give. In other loans and mortgages are long, but creditors are intractable. With the crisis of representation became more worried for the accurate planning of sales. And dealers - a relationship with customers. Both have to thank the dozens of angry customers dealers FGR for an object lesson.

It is taken and given credit for car

You need a car right now, and save it, you can not before a few month? You can try to resolve this issue with auto loan! This banking service is now receiving increasing development. According to car dealers now up to 25-30% of cars bought on credit.

You need a car right now, and save it, you can not before a few month? You can try to resolve this issue with auto loan! This banking service is now receiving increasing development. According to car dealers now up to 25-30% of cars bought on credit.

Apply for a loan can be either directly to the bank offering such a service, and in the auto show. Last easier. When making a loan through the lounge you can save time, since the application for credit and the necessary documents are submitted directly to the cabin. Often collaborating with one compartment, several banks, which offer various loan programs.

Banks themselves impose certain requirements on borrowers. In considering loan applications will ask your passport, driver's license and workbook. Loans are issued to citizens aged 18-23 to 60 years. Experience in the last place of work must be at least 3-12 months. Of course, an important role in deciding whether to grant a loan will take the income of your family. It must be such that the monthly payment on the loan amounted to no more than 40% of the total family income. Official confirmation of income does not require all banks. Moreover, if you can not provide information on income, the bank may require circumstantial evidence of your ability to pay, for example, certificates of ownership of any large property. In the absence of information on income credit will be given a higher percentage - by 1-3 percentage points more.
Application for the credit banks consider within 1-3 days. But sometimes this period may be delayed and up to 7-8 working days.

Loan period is from 6 months to 5 years. Interest rates on loans - 0.5-15% per annum in dollars. Most of all they depend on the term loan. Lending to purchase a used car would cost by 1-5 percentage points expensive. But to buy a used car "with the hands you a loan no bank will give - only through the auto show.

Car loans from banks can be in dollars or euros. Loans, like cars and machinery produced domestically. In this case, banks require that a portion of a borrower to pay the cost of the machine itself. Down payment may be 10-50%.

In addition to the borrower's waiting for additional costs. This commission of the bank for loans ($ 100-200), as well as monthly commission of the the loan account (0,2-2% of the loan amount).

The collateral for the loan is purchased vehicle, which becomes the property of the borrower, but shall be given in pledge to the bank until the full payment of the loan.

Program auto loans are constructed so that the borrower put out a loan and the interest in equal monthly installments. When signing the contract he gets on his hands full schedule of payments, where separately listed on the monthly payment amount for principal and interest. Borrower offer loan account, which he will make money. Some banks issue customers tied to the loan account card, which can be recharged at any convenient place, for example, through the ATM. In the scheduled day, the bank automatically debits the amount from its next payment. This saves customers from the queues, which often accumulate in the banks.

Alternatively, the transfer of contributions - through post offices. But it will have to pay an additional commission of the,5% of the amount of payment.

If specified in the schedule of payments per day funds in the account does not prove, the bank thinks it is delayed and will begin to charge penalty interest. The average fine is 0,5-5% of the amount of overdue payment per day. But some banks charge a fixed penalty, as a rule, it is measured in several hundreds of dollars. Fines imposed and for early repayment. After all, in this case the bank loses the interest which he could receive at extinction for the full term of the loan.

Many banks have set a time period during which prohibits fully repay the loan, and during this period will only accept the established schedule amount. Usually, its length is from 2 to 12 months. Often, banks are ahead of taking funds borrowed from them, but penalize borrowers. The average fine is 0,5-2% of the outstanding debt on the loan.

Since bought on credit machine remains in the mortgage from the bank, he needs to insure it against theft and damage. In this case the customer can choose the policy is not any insurance company, but only the specified bank. Most of the car is insured for the full value in favor of the bank. Price policy is normally 7-10% of the cost of the machine.

The entire procedure usually takes credit for two or three weeks. If we use the scheme of express crediting period can be shortened to two to three days. Bank is considering an application for the grant of express-credit as soon as possible: from half to two hours. On the same day the customer is a credit agreement.

Another "beauty" of this credit is a minimum set of documents that require the bank. It is limited to a passport and still one of the documents such as driver's license, passports, proof of registration with the tax authorities (TIN), pension insurance certificate. The bank does not even require the borrower inquiries about income.

Save time turns out to borrowers excess money spending. After all, express loans are typically more expensive than usual to 1.8 percentage points. Loan increased rate (by 1-5 percentage points more) issue and those who do not want or can not immediately pay a specified portion of the cost of the car.