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Purchasing aid
Very modest households: how to get micro-credit for clean vehicles?
Publié le null - Directorate for Legal and Administrative Information (Prime Minister)
To help you buy or rent a vehicle, you can take advantage of the device micro-credit for own vehicles. It allows people with low resources to buy or rent a car or a low-emission two-wheeler (bicycle, motorbike or electric scooter). Guaranteed at 50% by the State, the amount of the credit varies according to the household's income, up to €5,000 repayable over five years. It can be combined with the ecological bonus and the conversion bonus.
Which vehicles are eligible?
This financial assistance is intended for the purchase of a new or second-hand low-emission vehicle falling into one of the following categories:
- rechargeable electric or hybrid Crit'Air 0 passenger cars and vans;
- passenger cars and thermal vans classified as Crit'Air 1 (petrol vehicle from 1er January 2011) with a CO2 emission rate of 132 g/km3 or less;
- two- or three-wheeled vehicles and electric-powered quadricycles.
Please note
The device is also suitable for long-term leasing (LLD) or rent with an option to buy (LOA).
A cumulative device
The micro-credit for own vehicles can be combined with the ecological bonus and the conversion bonus.
Example :
You own a 2009 diesel car, which you scrap to buy a used gasoline car in €8,500 . You receive the bonus for converting an amount of €3,000, which represents 35% the cost of acquisition. With micro-credit for own vehicles of an amount of €5,000 , you should only pay €500 at the time of purchase of your vehicle and repay your microcredit over a predefined period.
Who to talk to?
To benefit from a microcredit clean vehicles, you must contact a social support service (Red Cross, Federation of Rural Families or Catholic Relief, National Union of Family Associations...). An advisor will accompany you in all administrative formalities. He will study your project and help you build your file before presenting it to a licensed bank.
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