Nasty surprise from the leasing for the purchase of a Tesla Model 3: the increase in rates has caused the installment to soar, infuriating Carlo, a reader. Vaielettrico he answers. We remind you that your questions should be sent to info@vaielettrico.it
Nasty surprise from leasing: the monthly installment went from 408 to 523 euros per month
“SI’m your long-standing assiduous reader, I’ve already told you about mine Tesla Model 3 in a previous email that you also published me . Now I would like to talk to you about a problem related to the leasing installment of my car which, in 26 months, has increased from 408 to 523 euros per month. I asked the switchboard of Banca Ifis (to which Tesla Italia refers for loans) for explanations. And I found that my contract has a floating rate, consequently, if the Euribor increases, the installment increases. I acknowledge my ignorance on the subject but I have it behind me another 5 leases stipulated over the years for the purchase of other cars and I had never experienced such a thing. Maximum installments increased by a few eurosbut never so much and so quickly“.
“Why hadn’t anyone told me about the risks associated with variable-rate financing…?”
“I feel it is my duty to denounce this fact. Above all because when the contract was signed, which took place at the Tesla dealership in Bologna, no one told me about Variable rate leasing. And even when the dealership itself sent me to the Banca Ifis branch, the duty officer introduced me to the classic list of pre-compiled sheets to be signed in sequence. He made no mention of the type of contract and after two minutes I was already out of the building. There are still more than two years left until the contract expires and I honestly don’t know how far my installment will “splash”. I personally find this very serious. In many years of leasing concluded with Audi, Mercedes and BMW I’ve never had such a thing happen to me. Thank you”. carlo culot
Answer. The problem is always the correct information, that is to inform the customer of the risks he is facing. Carlo is among the thousands and thousands of Italians who fell victim to rate hike which has occurred over the last couple of years, with the progressive crackdowns put in place by the ECB. Unfortunately, an excess of useless information, written in small letters, ends up disorienting us and preventing us from focusing on the few aspects really important. Including the variability of the interest rate, at the origin of the problem that happened to Roberto and many other customers, even with mortgages for the purchase of the house.
What if correct information were worth more than incentives? THERE ANSWER by Paolo Mariano to a reader
2023-08-25 14:52:20
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