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.