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We take the Tesla Modely 2021 standard range rear-wheel drive version as an example. Its official guide price is 291,800 yuan. If you choose the down payment ratio of 20% and the loan period of 36 periods, the down payment will be 58,400 yuan. The loan The total amount is 233,400 yuan, the monthly payment is 6,969 yuan, the installment fee is 2,000 yuan, and the interest is 17,500 yuan. In addition to some necessary expenses such as registration fees, purchase taxes, vehicle and vessel taxes, fees, and commercial insurance fees, the total cost of purchasing the 2021 standard range rear-wheel drive version with a loan is 324,100 yuan, which is 19,500 yuan more than the full payment. .

1. Tesla’s official loan. The annual interest rates of Tesla’s official loan are 4% and 4.33%. When converted into actual annual interest rates, they are 7.56% and 8.04%. These interest rates are relatively comparable. High, it is not recommended to take this method of loan to buy a car.

2. Bank of Communications has a lot of credit card installment activities, and the discounts are also very cost-effective. For example, the interest rate for credit card installments after one year is 4.8%, and it is 5.04% for two years, and there is a 3% handling fee for early repayment. , but you can apply over the phone to waive part of the handling fee, but it will not be completely waived.

3. The e-installment rate of bank installment card currently requires 3% per year, and the actual interest rate is 5.88%-6%, and if the repayment is made early, a 3% penalty will be charged . When applying for e-installment of a bank installment card, you will be given a separate consumer debit card. You can only use the card to make purchases, but you cannot withdraw cash. You have to apply at the counter, which is also troublesome. There are currently three official cooperative loan methods for Tesla, namely financial loans from cooperative institutions, Tesla financial leasing, and leasing from cooperative financial institutions. Among them, the cooperative financial loans include China Merchants Bank, Ping An Bank and Bank of China. For other Tesla financial leasing and leasing from cooperative financial institutions, the loan requires a mortgage certificate, that is, the vehicle registration certificate. Before applying for a loan to buy a car, users can first consult and understand these three loan methods, and then choose the loan method that suits them based on their actual situation. Tesla Modely can be purchased with full payment or in installments with a loan. If you want to get a loan in installments, you can get a loan at a 4S store or go to a bank for a loan.