中国基金报·2026-01-06 06:16Core Viewpoint - Tesla China has launched a limited-time financial promotion plan to stimulate sales, offering low-interest financing options for its Model 3, Model Y, and Model Y L vehicles [1][2]. Group 1: Financial Promotion Details - The promotion includes a 7-year low-interest financing option with an annual fee rate as low as 0.5%, equivalent to an annualized interest rate of 0.98% [2][3]. - Customers can choose a 5-year interest-free financing option if they place an order by January 31, with a down payment starting at 99,900 yuan for the Model Y L and monthly payments as low as 3,985 yuan [3]. Group 2: Market Context and Sales Performance - The current mainstream car loan term in the domestic market is 3 years, with some luxury brands allowing terms of up to 6-7 years, but typically with higher interest rates exceeding 3% [5]. - Tesla's sales in China for the first 11 months of 2025 were approximately 531,900 units, representing a year-on-year decline of 7.37% [10]. - In 2025, Tesla's global deliveries totaled about 1.636 million units, a decline of over 8% year-on-year, marking the largest annual drop in history [10]. - BYD has surpassed Tesla for the first time in 2025, becoming the largest electric vehicle seller globally, with a reported 2.26 million units sold, a year-on-year increase of 28% [10].