Up to 21% of the fare in “Yandex.Taxi “in Moscow and the region at the most expensive rates go to the organizers of the trip – the platform and the taxi company, if it is involved in the scheme (in the regions the commission may be different). As the CEO of Yandex.Taxi Daniil Shuleiko reported earlier, in the first quarter the platform itself received less than 10% of the order value. At the same time, the taxi companies that receive the remaining share are most often only car owners and intermediaries.
– –
“It is not profitable for anyone to hire drivers – we calculated that only the payment of taxes by a company that officially employs 100 drivers would amount to 25 million rubles. in year. This is not counting the cost of administering this process, for vacations. Taxi companies already do not work directly with drivers in terms of providing orders, but only lease cars to them. Drivers are either individual entrepreneurs or individuals who are in the gray zone, ”says Bogdan Konoshenko, chairman of the Moscow Chamber of Commerce and Industry Committee for Taxi Transportation. Yandex seeks to whitewash the taxi market by switching to direct relationships with drivers, ”the expert adds.
– –
Lending to drivers for buying a car does not come from Yandex’s balance sheet, but traditionally through banks. The program was launched at the beginning of September, since then about 10,000 loan applications have been submitted, more than 100 loans have been approved, the service representative said. Now “Yandex“Is implementing the program in partnership with Rusfinance Bank (the leader in the car lending market in Russia in July, according to the Frank RG analytical agency), but the service is negotiating to connect four more banks, the representative said.
– –
VTB is exploring the possibility of lending to self-employed people, including their taxi industry. Today, VTB can receive a car loan both for individuals with two documents – a passport and a driver’s license, and for an individual entrepreneur, ”the bank’s press service said. The auto-lending subsidiary of Sberbank, Cetelem, did not respond to the request.
– –
According to the terms of the program, self-employed drivers or individual entrepreneurs who have worked at Yandex for at least two months and have made 100 trips during this period without receiving service locks will be able to get a loan, so the service will protect itself from swindlers who want to get a loan. Only Russians can count on a loan, and the interest rate for it is calculated individually, starting from 12.9% per annum.
– –
“We are looking for new opportunities to make the work of drivers in the status of entrepreneurs without a legal entity more convenient and to motivate drivers to switch to this mode. We have already implemented free legal advice for drivers working with the Yandex.Pro platform (to search for a part-time job in various areas of the company’s business and pay taxes. – Vedomosti), ”a representative of the aggregator said.
– –
“Self-employed taxi drivers in 80% of cases cannot get the bank’s approval for issuing a car loan,” says Andrei Popkov, chairman of the coordinating council of the Taxiist interregional trade union of public transport workers. – We receive many complaints about this. Self-employed income is unstable, no one can act as its guarantor, so banks do not risk giving them loans for 3-5 years. ” Apply for a car loan through “Yandex.Taxi “can be done online, without visiting a bank office, if you have a passport and a driver’s license, says a company representative.
– –
Now more than 170,000 drivers in the status of individual entrepreneurs or self-employed work directly with Yandex.Taxi, the company does not disclose their share in the total number of drivers. In total, in 12 countries where the service is present (Belarus, Armenia, Georgia, Kazakhstan, Kyrgyzstan, Uzbekistan, Estonia, Latvia, Lithuania, Serbia and Moldova), it employs 700,000 active drivers. According to Konoshenko, the share of taxi drivers working with aggregators directly, not through taxi companies, in Moscow exceeds 30%.
– –
As a source in the taxi market explained to Vedomosti, Yandex is interested in increasing the share of drivers working directly with the service, because such a scheme is more transparent for calculations. Some taxi companies sometimes delay or fail to pay salaries to drivers, while the aggregator bears reputational risks. But it is not planned to bring the share of self-employed in the service to 100%, the source claims.
– –
“Taxi companies that rent cars to drivers will not disappear from the market at all. A loan is more profitable only in the first 6–8 months after buying a car; in the long term, in some cases, rent is cheaper. For example, in the event of a breakdown and downtime of a car, its owner will have to find funds both to pay off the loan and to find a new car for work. If this is a taxi company car, then all costs are borne by him. Maintenance costs and the cost of ownership increase dramatically over the years, ”says Konoshenko.
– –
“In Russia, most of the drivers drive rented cars, and it is the taxi companies that provide the drivers with cars. We also continue to cooperate with parks, these are the largest partners of the service. We have organized preferential leasing programs for taxi companies with banks, ”says a Yandex.Taxi representative.
– –
The advantage of the self-employed regime is a low, fixed tax and guarantees of the driver’s solvency before banks when using credit products. We are smoothly moving to the introduction of SMZ in our model “, – told” Vedomosti “in the service of ordering a taxi” Citymobil “. The company “Maxim” reported that the service commission for the self-employed is on average 3% lower, excluding the car branding, than that of the taxi driver. In “Lucky” noted that the carrier legally working for himself and on his own car “will show more responsibility for the quality of the service.” Gett did not respond to the request.
– –
The financial conditions of the Yandex program are unlikely to be more favorable than the conditions for leasing a car under the Affordable Rent state program, said the general director of the leasing companyEuroplan»Alexander Mikhailov. “It is very difficult to outbid a 25% discount for an advance payment by purely financial terms, especially by the interest rate per annum. The beneficiaries of this program are also the self-employed, ”says Mikhailov. At the same time, operating leasing has a number of advantages over a loan – it allows you to include the associated costs of car maintenance in lease payments.
– – .
