From the current point of view, if you want convenience without license restrictions and no range anxiety, short-distance electricity consumption and long-distance fuel consumption, plug-in hybrid electric vehicles (PHEV) are a good choice. From the structure It seems that the powertrain of PHEV models includes the engine and gearbox of fuel vehicles, as well as the three-electric system of pure electric vehicles. It not only improves the power of the vehicle, but also brings higher fuel economy, thereby reducing the use of car cost.

Buick Weilan 6? PHEV is a plug-in hybrid model. It is built on GM's new energy platform and equipped with Buick's latest eMotion intelligent electric drive system, which includes a 1.5L? DVVT four-cylinder Engine, E-CVT electronically controlled continuously variable transmission, dual drive motors, dual row planetary gear sets, efficient PS power split technology and ternary lithium battery. The new car was officially launched in July 2020, with 3 models launched, priced at 159,800 yuan, 169,800 yuan, and 179,800 yuan respectively after subsidies. Currently, Buick Weilan 6? PHEV is sold at affordable prices in most areas across the country.

Buick? Weilan 6? PHEV's car purchase policies are similar across the country. For example, many areas adopt a plan of 30% down payment and 0 interest for 24 installments. However, on the Buick official website, there are many car purchase finance plans for Weilan 6? PHEV. However, the financial car purchase plans above are calculated based on the guide price rather than the post-subsidized price. Its financial plans include five types: long-term, zero-interest loans, divided purchases, balloon loans, and premium new loans. There are enough plans and they are quite flexible. Next, we will analyze each car purchase financial plan, taking the Internet Fashion model (minimum configuration, 168,300 yuan) as an example.

Long-term: The down payment starts from 15%, the repayment amount is the same in each period, and the loan can be loaned for up to 60 periods. It is easy and stress-free to make monthly payments, and it is done in one step, so you can worry-free about maintaining and using a car. Based on a 60-term loan, the down payment is 25,245 yuan, the loan amount is 143,055 yuan, the annual interest rate is 5.93%, and the monthly payment is 2,761 yuan.

Zero-interest loan: The down payment starts from 50%, there is no interest during the loan period, you can enjoy 2 years of interest-free, and the repayment amount in each period is the same. However, the official financial calculator only provides a 36-term loan plan, with a down payment of 84,150 yuan, a payment of 84,150 yuan, an annualized interest rate of 0.00%, and a monthly payment of 2,337 yuan.

Time-sharing: Divide the loan amount into four installments, and repay 25% of the principal every six months, in four installments, with zero monthly payment during the loan period. The new down payment is 67,320 yuan, with four installments of 24 years and 25,245 yuan each repayment.

Balloon loan: The down payment starts from 20%, the final payment is flexible, and the monthly payment is low. At the end of the loan period, there are two options: pay the balance in full and replace the second-hand car. The down payment is 33,660 yuan, the payment amount is 13,460 yuan, the annualized interest rate is 2.02%, the monthly payment for periods 1-18 is 4,835 yuan, and the balance payment is 50,490 yuan.

Youxinxiang: high-end customized leasing products, vehicle residual value guarantee, commitment to repurchase upon expiration, and enjoy a low-cost car life. The down payment is 0 yuan, the balance is 67,320 yuan, the annualized interest rate is 2.29%, and the monthly payment is 3,126 yuan.

So, if you want to make a down payment of more than 50,000 and a monthly payment of more than 2,000, but there are no interest-free long-term products, you can choose a long-term, 60-term one, but the interest rate is relatively high. If it is zero interest, the minimum down payment is 50%, and you will definitely not be able to get more than 50,000.

This article is the original work of Che Dabai. Any plagiarism will be investigated according to law.

(Operator: Ling Xiaofeng)

This article comes from the author of Autohome Chejiahao and does not represent the views and positions of Autohome.