Take the lowest down payment ratio and the longest term as an example. This down payment is 38,000, nearly 40,000; The monthly payment for 60 periods is 4,400, which can't reach the level of down payment of 30,000 and monthly payment of 3,000. However, the calculation here is for reference only, subject to the actual situation.
It is worth noting that the annualized rate of 4% in Tesla's financial plan is not the annualized rate of 4% in our usual sense. That is, if you borrow 200,000 yuan, 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, the total amount of principal decreases accordingly, so the actual annual interest rate is relatively high, 6%-7.5%. Therefore, if everyone's own return on investment cannot be higher than 6%-7%, it is recommended not to choose Tesla's financial plan. You can choose bank cards, cash loans and other loan methods to complete the full payment.
1. Online login to China Merchants Bank official website for car installment reservation and quota;
2. The staff of China Merchants Bank will contact customers to assist them in handling car installment business;
3. The customer submits an application for automobile installment payment. After receiving the application, China Merchants Bank will check the customer's credit card and consumption records and review the customer's application qualification;
4. If the approval is passed, then the owner can buy the car in installments, pay the down payment and apply for insurance at the same time;
5. CMB loan, customers can pick up the car.
Tesla has an interest-free loan. However, it mainly depends on the lender's credit information and which institution to lend to. If the borrower has a large number of overdue records, then the loan application will be difficult to pass, because we all know that no matter which lending institution, it is bound to check the lender's credit report, and banks will generally reject the lender's application request with bad credit information. However, in order to stimulate the economic market, many banks have introduced services to relax credit records, and even consumers with black spots can successfully borrow money.
1. Although there will be interest-free activities of Tesla 60 on the Internet, there is no exact owner to verify the accuracy of this information, just a few sporadic voices on the Internet.
2. At present, it is certain that Tesla has a three-year interest-free loan service, but if the owner borrows for five years, then interest will be charged, and Tesla's interest will be higher, and some places even charge 8% interest. Such a loan method is obviously not cost-effective.
3. At present, interest-free loans for 2-3 years are popular with the public, which is a reasonable loan scheme.
Related questions and answers: The monthly salary is 3,000 yuan, and the personal credit loan can be about 30,000 to 45,000 yuan.
Application conditions:
1, with China nationality (excluding Hong Kong, Macao and Taiwan residents)
2. The monthly income of punching cards is not less than 2,000 yuan, and he works and lives locally.
3. At present, the company has officially registered employees who have worked for 6 months.
4. Monthly income of general loans 10- 15 times.
5, white households can operate and must pay more than 3000 yuan (social security and provident fund must be the same) or enterprises and institutions and civil servants.