Tesla(US:TSLA) Zhong Guo Ji Jin Bao·2026-01-06 06:18Group 1 - Tesla China has launched a limited-time financial promotion plan for its vehicles, effective from January 6 to January 31 [1] - The promotion includes a 7-year low-interest financing option with an annual fee rate as low as 0.5%, translating to an annualized interest rate of 0.98%. The down payment for Model 3 and Model Y starts at 79,900 yuan, with monthly payments as low as 1,918 yuan. The Model Y L has a down payment starting at 99,900 yuan and monthly payments as low as 2,947 yuan [2] - Additionally, customers can opt for a 5-year interest-free financing plan for the Model Y L, which is a first-time offering, with a down payment starting at 99,900 yuan and monthly payments as low as 3,985 yuan [2] Group 2 - The current mainstream car loan term in the domestic market is 3 years, with a range of 1 to 5 years, while some luxury brands or premium customers may extend to 6-7 years. However, there are many restrictions, and the annual interest rates generally exceed 3% [5] - Tesla China has experienced a decline in sales, with approximately 531,900 vehicles sold in the first 11 months of 2025, representing a year-on-year decrease of 7.37%. In the fourth quarter of 2025, Tesla delivered about 418,200 vehicles, a year-on-year decline of 15.6%, with total annual deliveries of approximately 1.636 million vehicles, marking a historical maximum annual decline of over 8% [7] - BYD has reported a global pure electric vehicle sales figure of 2.26 million units in 2025, a year-on-year increase of 28%, surpassing Tesla for the first time to become the largest electric vehicle seller globally [7]