1. How can white-collar workers afford Tesla electric cars?

Just asking nonsense

2. Which Tesla loan plan is the most cost-effective

Currently Tesla’s cooperative financial institutions and cooperative financial institution loans include China Merchants Bank, and Tesla Financial Leasing and cooperative financial institution lease certificates.

If you buy a car with a loan from Tesla, Tesla will generally recommend China Merchants Ping An China Tesla Model 3 with standard battery life. If you plan to buy it in 36 installments, the annualized rate is 4%; the points are 60 The annualized rate for futures purchases is 4.33%. We see energy conservation and environmental protection, but compared to other cars, Tesla loan interest rates are higher. However, in order to get closer to consumers, Tesla has launched many preferential policies to let Tesla users use Tesla.

4 types of super discounts launched by Tesla

1. Old cars

This method is to recommend new car owners through old Tesla owners You can get a discount of 800 yuan, and old car owners can also get gifts from Tesla or priority to purchase the Signature version of Tesla Model X. Old car owners recommend the Model S75 car series, Tesla Model S90 car series and Tesla ModeX car series.

2. Fuel vehicle replacement discount plan

The main purpose is to get the right to features worth 2750 by purchasing a Tesla. The models that this plan is applicable to include Tesla Model S75 series and Tesla Model S90 series.

Applicable to Tesla Model S90 car series, you can purchase a car through this loan method

4. Bank financial discount program

You can enjoy bank financial discount loans Bank interest discounts, and the rate can be as low as 0%-3% per year, with a maximum loan of 700,000 yuan, and the applicable models are Tesla Model S75 series and Tesla Mo.

Tesla installment payments are interest-free. Information and which institution to borrow from. If the borrower has many overdue records, it will be difficult for the loan application to be approved, because we all know that regardless of whether it is inquiring about the lender's credit report, banks will generally reject the application request of a lender with poor credit report. Many banks have introduced relaxations in credit reporting and reporters can successfully get loans.

You need to pay attention to the following points when applying for Tesla loans:

1. Although there is a Tesla 60-period interest-free event online, this has not been certified by the exact car owner. The accuracy of this information is limited to 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 borrows for five years, interest will be charged, and Tesla’s interest will be relatively high. Some places even charge 8% interest. This kind of loan method is obviously not cost-effective.

3. Currently, 2-3 years interest-free loans are more popular among the public and can be considered a more reasonable loan plan.

3. Which Tesla loan plan is the most cost-effective

Currently, Tesla’s official cooperation loans have three methods, namely financial loans from cooperative institutions, Tesla financial leasing and cooperation Financial institution leasing. 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. If you take a loan from Tesla to buy a car, Tesla will generally recommend three banks such as China Merchants and Ping An China for loans. For the standard battery life of a Tesla model 3 purchased with a loan, if you plan to purchase it in 36 installments, the annualized rate is 4%; if you purchase it in 60 installments, the annualized rate is 4.33%. Seeing this, although I feel that the pure electric car Tesla is energy-saving and environmentally friendly, the loan interest rate for Tesla is higher than that of other cars. However, in order to get closer to consumers, Tesla has launched many preferential policies to allow more consumers to use Tesla as soon as possible. 4 types of value-for-money discounts launched by Tesla 1. Discount plan recommended by old car owners. This method is through old car owners of Tesla recommending new car owners to buy. New car owners can get a discount of 800 yuan when purchasing, and old car owners can also You can receive gifts from Tesla or have priority to purchase the Signature version of Tesla ModelX.

The discount plan recommended by old car owners is applicable to Tesla Model S75 car series, Tesla Model S90 car series and Tesla ModeX car series. 2. The fuel vehicle replacement discount plan mainly allows you to get the right to activate the automatic driving function for free worth 27,500 yuan when you buy a Tesla. The models that this program is applicable to include the Tesla Model S75 series and the Tesla Model S90 series. 3. The financial leasing plan is applicable to the Tesla Model S90 series. Through this loan method, you can purchase a car with zero procedures for 12 periods. 4. Bank Financial Interest Subsidy Program Bank financial discount loans can enjoy interest discounts from banks, and their rates can be as low as 0%-3% per year, with a maximum loan of 700,000 yuan. Applicable models are Tesla Model S75 series, Tesla ModelS90 car series. Tesla installment payments are interest-free. However, it mainly depends on the credit information of the lender and which institution the loan is from. If the borrower has many 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 credit report of the lender. For applications from lenders with poor credit reports, banks generally All will refuse. However, for the sake of the economic market, many banks have launched services to relax credit records, so that even consumers with black spots can successfully obtain loans. Although Tesla loans are interest-free, you still need to pay attention to the following points: 1. Although there is a Tesla 60-period interest-free event online, there is no exact car owner who has certified the accuracy of this information. 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 relatively high, and some places even charge 8% Interest, this kind of loan method is obviously not cost-effective. 3. Currently, 2-3 years interest-free loans are more popular among the public and can be considered a more reasonable loan plan.

4. What is the most cost-effective Tesla’s latest installment plan in 2021?

The 2021 Tesla model 3 not only has a greater cruising range, but also has black exterior decoration instead of chrome, standard wireless phone charging pad, power box cover, metal steering wheel control dial instead of plastic, and new window design Helps reduce outside noise. Tesla model 3 can be said to be an excellent choice for electric vehicles. For the purchase of Tesla Model 3, there are also the following loan options, which are briefly introduced below. 1. Tesla’s official loan

The annual interest rates of Tesla’s official loans are 4% and 4.33%, which translate into actual annual interest rates of 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. e-installment of bank installment card

The current one-year rate required for e-installment is 3%, and the actual interest rate is 5.88%-6%, and if it is repaid early, A 3% penalty is required. 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.

3. Shanghai Bank’s Tesla loan

The annual interest rate is 3.24%, and the actual annual interest rate is 5.88%-6.12%, which is cheaper than official loans , but as to whether early repayment is possible, different bank staff gave different answers. Some said that early repayment can be made after one year; some said that early repayment can be made after 2 years; and It said that early repayment is possible after deducting 2 months' interest. There are many tricks involved. Secondly, this loan method takes a long time to apply for and requires physical cards to be mailed, which is relatively troublesome.

4. Bank flash loan

The bank flash loan system will automatically approve the interest rate according to different people. The interest rate is generally between 5% and 12%, and there are 10% off coupons. It can be obtained. If the interest rate is 5.94%, then the discount is 5.346%. The longest loan period is 5 years, and you can repay early at any time.

5. Bank credit card installment

Bank of Communications has many activities, and the discounts are also very cost-effective. For example, the interest rate for credit card installment is 4.8% in one year and 5.04% in two years. 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.