Car down payment is 20%-50%, and general banks require 40%-50%. Some car dealers can find some financing companies to achieve 20% or even lower.

Usually it will be paid off in 2-5 years. Monthly repayment depends on how much you borrow, and you can use real estate as a guarantee.

First of all, it is necessary to know whether the beneficiary of car installment payment is a bank or a financial institution, because many banks now have relatively high thresholds for car loans, and more financial companies, especially those in the same department as car manufacturers, have begun to handle convenient loan procedures for customers (for example, Shanghai GM's financial company has GMAC loans).

Secondly, the requirements for car buyers: generally, the wage income is normal, preferably provident fund, real estate (with property rights) or married. Of course, if you have other written documents that can prove the strength of your paid loan, that's fine.

Second, the best loan scheme of model 3.

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 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. 1. Bank credit card installment Bank of Communications has many activities, and the preferential activities are also very cost-effective. For example, credit card installment, one-year interest is 4.8%, two-year interest is 5.04%, and prepayment fee is 3%, but you can apply for partial fee reduction by phone, which will not be completely free. 2. Tesla's official loan Tesla's official loan has an annual interest rate of 4% and 4.33%, which translates into an actual annual interest rate 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. 3. The annual interest rate of Tesla loan from Shanghai Bank 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 the loan can be repaid in advance, and some say that it can be repaid 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. Secondly, this loan method runs for a long time and it is relatively troublesome to send it with a physical card. How can the loan be cost-effective? You can look at other banks' consumer loans and credit card installments. In-store cooperative banks can ask salesmen whether there are any loans, such as Dyson and Lamer given by a bank. After all, wool can be a little, right?

Third, how to calculate the installment payment of Tesla model3?

It is estimated that the loan will be repaid ￥ 4,324 per month.

Estimated monthly loan repayment minus estimated savings ￥ 3,366/month.

Down payment ￥ 37,635,60 installments, with an annualized rate of 4.33%.

4. Mode 3 mortgage scheme?

Tesla's official mortgage loan program has an annual interest rate of 4% and 4.33%, which translates into an actual annual interest rate of 7.56% and 8.04%, which is relatively high. It is not recommended to borrow a car in this way.