This is still a good deal. Although I paid more interest, I saved 65438+100000 yuan by buying a car. Mr. Zhu felt that he had earned it, so he decided to buy the car.
When handling the loan, Mr. Zhu met a very strange thing. Sales let Mr. Zhu borrow 300,000 yuan from the bank in the name of his wife, and then transfer the money to the company account, which will be repaid by the company on a monthly basis. Mr. Zhu didn't notice anything unusual at that time, thinking that he only borrowed money in the name of his wife, so he handled it.
Now the loan has been repaid for one year, with a monthly repayment of 2388 yuan. However, two days ago, Mr. Zhu received a customer service call, asking him to pay an extra 17000 yuan per month on the basis of the original 2388 yuan. And this 17000 yuan is the money he borrowed from the bank in the name of his wife at the beginning of the sale, of which 7000 yuan is the "subsidy" promised by the company at the beginning of the sale.
Mr. Zhu thinks that this 2388 yuan is his own car loan, and he should repay it monthly, but this 17000 yuan should not be repaid by him. He felt cheated. The so-called "subsidy" of the other party is simply a scam. They just want to trick him into mortgaging his car in this way.
Deduct 20,000 yuan for monthly payment, and deduct more than 60,000 yuan for three months. Such pressure made Mr. Zhu feel unbearable, so he contacted the person in charge of the dealer and asked them to solve the matter. But the other party only transferred him the fee for one period, but did not give him the rest of the money.
Mr. Zhu has found each other many times, and the other party will find reasons to shirk before, and then directly tell Mr. Zhu that he has no money. Later, when Mr. Zhu contacted the other party again, he learned that the person in charge had left.
No one is in charge of this matter now, and Mr. Zhu is also very embarrassed. The hardest thing is that when he signed a contract with the dealer at that time, there was no relevant contract indicating the subsidy. Now Mr. Zhu wants to solve this matter, so he can only collect evidence by himself and then solve it through legal channels.
New energy vehicles do have car subsidies, but the subsidies for new energy vehicles are calculated according to the cruising range of vehicles. Pure electric passenger cars with a cruising range of less than 300 kilometers are not subsidized, and pure electric passenger cars with a cruising range of 300~400 kilometers are subsidized by 6.5438+0.3 million yuan. The subsidy for pure electric passenger cars over 400 kilometers is 6.5438+0.8 million yuan.
In 20021year, the subsidized price of new energy vehicles was lowered. In 20 19, the subsidy for new energy vehicles over 400 kilometers is 25,000 yuan per vehicle. Tesla's cruising range is mostly over 400 kilometers, so its subsidy price is at most 20,000 yuan. However, the merchants have given hundreds of thousands of discounts, which is definitely problematic.
Nowadays, many people will choose to borrow money to buy a car, but when borrowing money, they must read the terms of the contract, especially the "subsidy" clause when buying new energy vehicles. If the subsidy given by the other party far exceeds the market standard, don't believe it just because you are greedy for cheap, otherwise you will be the last to get hurt.