Tesla model3 of 202 1 not only has a longer cruising range, but also has a black exterior decoration instead of chrome plating. As a standard configuration, the wireless phone charging board, the power supply box cover and the metal steering wheel control panel have replaced the plastic. The new window design helps to reduce external noise. Tesla model3 can be said to be an excellent choice for electric vehicles. Buy Tesla model3, and there are the following loan schemes, which are briefly introduced below.
#3p4#, official loan from Tesla
The annual interest rates of Tesla's official loans are 4% and 4.33%, which translates into actual annual interest rates of 7.56% and 8.04%. This interest rate is relatively high, so it is not recommended to borrow money to buy a car in this way.
# 3ig4 #, e installment bank installment card
The current annual interest rate of E installment is 3%, and the actual interest rate is 5.88%-6%. 3% penalty will be charged for prepayment. If you apply for bank installment card e installment, you will be given a separate debit card, which can only be used for credit card consumption, but not for cash withdrawal. Counter application is also very troublesome.
3. Bank of Shanghai needle Tesla loan.
The annual interest rate is 3.24%, and the actual annual interest rate is 5.88%-6. 12%, which is cheaper than the official loan. However, different bank staff give different answers about whether repayment can be made in advance, and some say that repayment can be made in advance after one year. Some say that they can repay in advance after 2 years; Others say that deducting two months' interest can repay the loan in advance. There are also many routines. Secondly, this loan method runs for a long time and it is relatively troublesome to send it with a physical card.
4. Bank lightning loan
The bank's lightning loan system will automatically approve interest rates according to different people. The interest rate is generally between 5%- 12%, and you can get a 10% discount coupon. If the interest rate is 5.94%, it will be 5.346% after discount. The maximum loan period is 5 years, and repayment can be made in advance at any time.
5. Bank credit card installment payment
There are many activities of Bank of Communications, and the preferential activities are also very cost-effective. For example, for credit cards, the interest is 4.8% for one year after installment, 5.04% for two years, and 3% for prepayment. However, you can apply for a partial fee reduction by phone, but it will not be completely free.
Tesla's three-year interest-free policy is mainly a policy to promote the sales of imported Tesla Mode3 after the domestic Tesla Mode3 is listed. The introduction of the three-year interest-free policy has eased the economic pressure of many consumers, but even if it is interest-free for three years, the final landing price of imported Tesla Mode3 is almost the same as that of domestic Tesla Mode3. Is not a big advantage. Tesla's three-year interest-free is mainly aimed at several models, including Mode3 long-life rear-wheel drive version, Mode3 dual-motor full-drive version and Mode3 high-performance dual-motor full-drive version.
How much can I borrow to buy Tesla with a salary of 6000?
At present, the lowest price of Tesla's car model 3 is 47 1000 RMB, and people with a monthly income of 6,000 RMB can buy Tesla cars through bank loans. According to the loan policy of the State Bank, people with a monthly income of 6,000 yuan can borrow up to 300,000 yuan, of which 200,000 yuan can be used for car loans, so people with a monthly income of 6,000 yuan can borrow 20,000 yuan to buy Tesla cars.
Tesla Mortgage Loan Requirements of China Merchants Bank
It is common for Tesla to make a down payment of 30,000 yuan, mainly depending on how long you borrowed it. Generally, Tesla is an interest-free loan, and many banks have cooperation. Tesla's down payment of 30,000 yuan for 3000 months is more common, mainly depending on how long you borrowed it. Generally, Tesla is an interest-free loan, and many banks have cooperation.
Let me introduce how to apply for a three-year interest-free loan from China Merchants Bank Tesla.
Tesla's 3000 down payment of 30,000 months is not worth buying, as well as the minimum down payment ratio and the longest period. This model has a down payment of 38,000, nearly 40,000;
60 installments are 44,000 yuan per month, and the down payment of 30,000 yuan cannot be realized.
But the calculation here can only refer to the actual situation.
It is worth noting that the aging charging rate of Tesla's financial plan is 4.0, which is not what we usually call the annualized charging rate of 4.0. In this case, if you borrow 200,000 yuan, the annual cost is 4.0, which is the total principal of the total interest expense.
In fact, the monthly repayment reduces the total principal, so the actual annual interest rate is relatively high, which solves the dawn of 6.58 7.58.
Can Shanghai150,000 yuan buy a Tesla commercial loan?
Shanghai can buy Tesla commercial loan150,000. Tesla official website shows that the official guide price for Shanghai to buy Tesla is 316900 yuan. As long as the loan is lower than the official guide price and150000 is less than 316900 yuan, Shanghai can buy a Tesla commercial loan of150000 yuan.