Participants of the renovation program in Moscow will be provided with a 10% discount on the purchase of additional square meters and apartments, but it was decided to refuse the preferential mortgage. The amount of the discount was approved at a meeting of the Moscow government presidium.

"We are talking about additional square meters, when people want to purchase an additional apartment, or expand the area of \u200b\u200bthe provided apartment," - said the mayor Sergei Sobyanin, quoted by agency "Moscow" .

Participants of the program for an additional payment will be able to purchase apartments in the same house where they are provided with equivalent housing, or in another house, but in the same area, reports "Interfax" ... When buying additional meters, the owners will conclude an exchange agreement with the renovation fund with an additional payment, the tenants - a purchase and sale agreement.

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

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

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

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

In August last year, the newspaper "Kommersant" wrote that the city authorities are ready to offer the migrants apartments of a larger area without additional payment, but within the okrug. It was also reported that an option is being considered, in which residents of the demolished houses will be able to move into larger apartments in their area with an additional payment, taking advantage of preferential terms on mortgages.

The chairman of the Moscow City Duma announced shortly thereafter that the requests of Muscovites as part of the renovation program were one of the most popular requests received by the deputies.

Using discounts is one of the most effective ways to promote sales. One-day discount, holiday discount, discount on the first purchase - this is just the beginning of the list of possible options for generating sales with tempting offers for the buyer. But how do retailers know what percentage of the price of a product to cut? And does the discount work at all?

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

Determine the value of your product

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

Wholesale Price + Freight Cost + Estimated Shipping Cost \u003d Product Cost

The wholesale price is the amount for which you purchased the item. Shipping cost is your cost of transporting each item from a wholesale supplier or manufacturer. For example, if you buy 10 units of a product for $ 10 and pay an additional $ 5 to deliver these items to your warehouse, the real cost of each item will be $ 1.50 - price plus freight.

If you expect the cost of any resources to deliver the goods to the buyer, you need to add this cost to the price. If, for example, on average you spend an estimated $ 1 shipping to a customer, then your unit is now worth $ 2.50. This is its cost.

As a more specific example, let's say you sell sunglasses. Each pair costs $ 6.99 if you buy 144 pairs of glasses at once, and it costs you 81 cents to transport each item. Let's say you charge a buyer for shipping. In this case, the cost of each pair of glasses for you will be $ 7.80:

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

Know your sales history

Before calculating a discount for an item, you need to raise its sales history at its regular full price. You need to know your profit from each unit of this product sold, as well as the amount of this product that is usually sold over a certain period of time - a week or a month.

Before setting a reasonable discount on an item, determine its cost and the goals you want to achieve with that discount.

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

You must have a reason to make a discount

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

• increased profits;
• reduction of stock balances in the warehouse;
• attracting new buyers.

Your goal will determine how you will form the price of the product and ultimately measure the success of sales. For example, if your goal is to increase profits, make sure you are pricing your product well. If your goal is to get rid of stockpiled goods, you need to focus on selling as many units as possible.

Set the discount amount

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

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

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

In our example, the retailer needs to sell 157 additional units to offset the 5% discount. Let's say 300 pairs of glasses are sold, which is, in principle, more than usual. But all the same, the profit of the business in this case will fall from $ 547.50 to $ 507, and the store will lose $ 40.50. So maybe the $ 9.49 discount price is a bit low for this particular purpose. But if, say, the purpose of the discount were to sell off the leftover merchandise, that price might work.

We measure the result

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

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

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

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

The Krasnoye and Beloe chain of stores sells alcohol, tobacco products, dairy products, canned goods and other types of food and non-food products. The brand is present in almost every locality in Russia. To attract new customers, the company regularly holds promotions and offers discounts on promo codes in "Red and White".

Terms of the offer

Promotions are held almost every month. Under the conditions presented, you can buy products of the following categories:

• toys;
• confectionery;
• cereals and pasta;
• canned food;
• tea and coffee;
• sausage and meat delicacies.

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

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

• learn about promotions and discounts;
• find the nearest outlet;
• get acquainted with the goods and their prices;
• check alcohol for legality by the code in the check.

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

To get a promo code in "Red and White", you need to go to the krasnoeibeloe.ru website, go to the "Discount card" section and find the subsection "Promo code with a 10% discount".

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

• install the application on a mobile device;
• go to the section "Discount card";
• enter a promo code.

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

How to install the app

To install the program on a mobile device based on Android, you need to go to the Google Play Market and enter "Red & White" in the search bar. After that, click the "Install" button and accept the terms of the user agreement. Loading takes less than 1 minute. The same steps can be done on iOS using the App Store.

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

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

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

How to use the app

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

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

In the "Stores" section, you can choose a retail outlet where it will be convenient to pick up the goods. Then go to the "Basket". Next to each product you will find information about its availability in the selected store.

Help: To reserve a product, the purchase amount must be more than 500 rubles.

In the section "Discount card" you need to enter a promo code in "Red and White", after which the price for all products in the basket will automatically decrease by 10%.

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

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

Then indicate the time at which it will be convenient to pick up the goods, and click "Reserve".

It's important to know! Reserved products are stored at the outlet for 1 day, after which the reserve is canceled.

Application benefits

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

• convenient interface in Russian;
• visualization of store addresses;
• writing off and accruing bonuses without specifying personal data;
• quick scan of the discount card.

Thus, the application saves time when visiting the store. In it, you can find out information about the availability of goods at a particular outlet.

Discount

A discount card is issued to every customer over 18 years old who made a purchase in any Red & White store for an amount of 1,000 rubles or more. After receiving the card, it must be activated. This can be done on the company's website.

To activate, you need to specify:

• surname;
• patronymic;
• contact number;
• e-mail;
• barcode;
• password.

Then click on the "Activate card" button. The issued plastic is personalized and cannot be reissued to other persons.

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

When the card is activated, a person gives his consent to receive information materials by e-mail or via SMS messages.

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

Discount percentage

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

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

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

You should link your discount card to your mobile phone only through the official application "Red & White". Reading a barcode through third-party programs, such as Stocard, is prohibited by company rules.

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

The site of the company

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

• familiarize yourself with the product catalog;
• find the address of the nearest store;
• get information about the discount;
• find out a promotional code for a 10% discount;
• download the magazine "K & B" in PDF format;
• ask questions of interest through the feedback form.

In the section "Calculator" it is proposed to calculate the amount of expenses for drinks during events. To do this, you need to set the parameters:

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

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

The retail chain "Red & White" takes care of its customers and tries to make their purchases as comfortable and profitable as possible. A mobile application with the ability to activate a promo code and receive a 10% discount is a real opportunity to save money when purchasing goods in a store.

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

"Income certificate is not needed, we will write down according to your words"

How to get a 10% discount and preferential car loan

Jaromir Romanov / website

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

How to get a 10 percent car discount

It looks like it doesn't work yet. “We have no information on this program yet. We know that it was accepted, but I cannot even give a rough indication of the time when it will be launched, ”the credit department of the AutoGermes salon on Dmitrovskoe highway (Moscow) told our newspaper. “Indeed, the state announced such programs, but we did not receive any bulletins on this matter either from the plant or from the banks, therefore, they did not start to act,” the same was repeated in the Yekaterinburg dealer center of UAZ “East Wind”. Approximately similar comments were given to us in Moscow and Yekaterinburg at the offices of Kia, Hyundai, Volkswagen.

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

Lada Center Pulkovo / auto.drom.ru

It is not known whether it will be possible to get a recalculation of the cost for a car that is bought under a regular car loan program with state support right now. It is more or less known that thanks to a 10% discount from the state, the amount of the down payment for the car you buy will decrease. Now it is, as a rule, 20% - accordingly, only 10% will remain.

It is also not known exactly what documents will need to be attached to the standard package, which is submitted when applying for a regular preferential car loan with state support. Dealers say that they will need a certificate of family composition from the passport office (for the "Family Car" program) and an extract from the registration database of the territorial traffic police department or the tax service about the absence of vehicles previously registered for a citizen.

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

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

A government-backed car loan program was launched in 2013. The loan is issued in rubles only for Russian-assembled cars weighing up to 3.5 tons and costing up to 1 million 450 thousand rubles (previously there were threshold values \u200b\u200bof 750 thousand and 1 million 150 thousand. These conditions apply to the entire line of AvtoVAZ, UAZ, some models of GAZ, Renault-Nissan, Peugeot-Citroen, Kia-Hyundai, Volkswagen.

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

It is not difficult to get a preferential car loan. A down payment will be required. For example, for UAZ "Patriot" in the maximum configuration it is about 200 thousand rubles. Very rarely, banks pursuing an aggressive policy are ready to provide a loan without a down payment (for example, this is what Sovcombank does).

If you have enough money for the installment, go to the bank or the credit department of the chosen car dealership. You must have your passport and driver's license with you. Young people of draft age (up to 27 years old) will also need a military ID. Fill out an application for a loan. It is advisable to specify as accurately as possible your place of work, position and level of income. “You don't need a certificate of income, we will write everything down based on your words,” explained AvtoGermes. It will take from 1 to 3 hours to review your application in Moscow, in Yekaterinburg, for comparison, one day.

Konstantin Kokoshkin / Russian Look

After that, the car is rolled out of the gates of the car dealership, the keys are handed over and sent to the traffic police to register. There are 36 months of loan payments ahead. It is for this maximum period that the programs of preferential car loans with state support are designed. For example, you will have to pay about 25 thousand rubles a month for a UAZ Patriot in a good configuration, 19 thousand for a Chevrolet Niva.

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

The pitfalls of car loans and how to deal with them

The vehicle passport for the car bought on credit remains with the bank. You will be given it only after the loan is repaid. But this is not yet the saddest thing.

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

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

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

DC North - Hyundai / VK

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

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

Total

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

In Russia, since the beginning of July, two government programs have been launched - First Car and Family Car, which allow serious savings when buying a new domestically produced car. Within each of them, you can buy a new car with a 10 percent discount. At the same time, discounts can be combined with each other and with other support measures for car buyers. MIR 24 found out who can apply for and which models can be purchased at discounted prices.

As the names suggest, novice drivers and a mother or father of two or more children can become participants in state programs - for this you only need to present a birth certificate. Anyone who has not previously acted as a borrower for a car loan and has not registered a car for himself can participate in the First Car program. In this case, the age of the buyer does not matter.

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

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

It is very important to note that discounts of new programs are cumulative with other offers. In our country, a program for new domestically produced cars has been operating for several years. The state pays for the buyer 6.7% of the bank's interest rate. So, if a financial and credit institution gives a loan at 17.7%, then the motorist pays only 11%, the rest of the money is transferred by the state.

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

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

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

It is also worth noting that participation in state programs allows you to level the loan overpayment if there is an opportunity to pay the initial installment. For example, if you decide to buy Hyundai Solaris for 625 thousand rubles and you can immediately pay 120 thousand rubles, and take the rest of the amount on credit for three years, then taking into account the discount and subsidizing the rate, the loan payment will be 14.5 thousand per month. Thus, in three years you will pay 522 thousand rubles, and taking into account the first installment, the car will cost you 642 thousand.