It is common for a Tesla to make a down payment of 3,000 yuan and 30,000 yuan. It mainly depends on how long you have taken out the loan. Tesla generally provides interest-free loans, and many banks cooperate. Next, I will introduce to you how to apply for a three-year interest-free loan for Tesla from China Merchants Bank.

Take the lowest down payment ratio and the longest term as an example. The down payment of this model is 38,000, which is nearly 40,000; the monthly payment for 60 installments is 4,400, which is not up to the level of 30,000 down payment and 3,000 monthly payment. However, the calculations here are for reference only and are subject to actual conditions.

It is worth noting that the 4% annualized rate in Tesla’s financial plan is not the 4% annualized rate in our usual sense. For example, if you borrow 200,000, the annual cost is 4%, which is calculated from the total interest/total principal/number of years, not the actual annual interest rate.

The actual monthly repayment reduces the total principal accordingly, so the actual annual interest rate is relatively high, 6%-7.5%. Therefore, if everyone’s own investment return rate cannot be higher than 6%-7%, it is recommended not to choose Tesla’s financial management plan. You can choose bank card cash loan and other loan methods to complete the full payment.

1. Log in to the official website of China Merchants Bank online to make car installment reservations and quotas;

2. China Merchants Bank staff will contact customers to assist them in handling car installment business;

3. The customer submits a car installment application. After receiving the application, China Merchants Bank will check the customer's credit card and consumption records to review the customer's application qualifications;

4. If approved, the car owner can purchase the car in installments, pay the down payment, and apply for insurance at the same time;< /p>

5. With China Merchants Bank loan, customers can pick up the car.

Tesla has interest-free loans. However, it mainly depends on the credit profile of the lender and which institution the loan is given to. If the borrower has a large number of overdue records, it will be difficult for the loan application to be approved, because we all know that no matter which lending institution it is, it will inevitably check the lender's credit report, and banks will generally reject the lender due to bad credit report. application request. However, in order to stimulate the economic market, many banks have launched services to relax their credit records, so that even consumers with black spots can successfully obtain loans.

1. Although there is a Tesla 60 interest-free promotion on the Internet, there are no exact car owners who have verified the accuracy of this information, just a few sporadic voices on the Internet.

2. What is certain at present is that Tesla has a three-year interest-free loan service, but if the car owner takes a five-year loan, interest will be charged, and Tesla’s interest will be higher. Some places even charge 8% interest. This kind of loan is obviously not cost-effective.

3. At present, interest-free loans of 2-3 years are relatively popular among the public and can be regarded as a more reasonable loan plan. Related questions and answers: With a monthly salary of 3,000 yuan, how much can a personal credit loan be?

The amount can be around 30,000 to 45,000.

Application conditions:

1. Have Chinese nationality (excluding residents of Hong Kong, Macao and Taiwan)

2. Check-in monthly income is not less than 2,000 yuan, and be in the local area Work and life

3. Officially registered employee of the current unit and working for 6 months

4. Generally approved loan is 10-15 times of monthly income

5 , White households must have a check-in salary of more than 3,000 yuan (social security and provident fund must be the same) or enterprises, institutions, and civil servants to operate.