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In Canada home mortgages of any kind are not tax deductible.i wonder if the associated costs of a home mortgage loan are "cost prohibitive" in this case. obviously one of the positives is that the interest on said loan would be tax deductible, but it may cost a few thousand dollars to set all this up and I am not sure it is worth it for $150,000 or $200,000.00
but I am no expert on home mortgages so I cannot say for sure.
We used our home equity line of credit. It's at 2.7% right now, but at one time was under 2% when we still owned car money on it.
Help needed!
I have come to a dead-end. I ordered my MX in March. Talked to the sales rep and said I would need financing. He said that Tesla will somehow make it work. I have excellent credit and I am willing to put $100K down yet, the banks still deny me credit. The issue is that I have some foreign income and non-taxable income. Everything legit but the banks just will not take that in consideration! Even with huge collateral.
I have never experienced anything like this. Even Scotiabank denied me despite I am a long term customer of them and even hold a mortgage with them. My foreign and non-taxable income was not an issue when applying for a mortgage.
I am in dire straits. The car is ready and all I need is a loan of about $50K for about a year. I made down payment of $2500 and my garage is all ready for charging. I don't know how Tesla is going about with my down payment in this case when I cannot get a loan, as I have been trying every where to get the loan and the sales rep assured me that it would be no problem with such a large down payment. I still got hope as my application with Vancity is still on going but any suggestion is welcome!
Call Bob Tran at Tech CU. (Technology Credit Union) PM me for number
Thanks, but I am in Canada. My DS put me also in contact with a Credit Union. Hopefully something positieve codes out..
Anyone know if its possible to switch? I signed up for the 2.49 96 month 2 months ago, they never even told me the rates for less time was lower (Previously it was a straight 3.6% regardless of period so i made the assumption it was the same and didn't even question it).Currently on the CDN Tesla site 36 to 72 months 1.99%, 84 months 2.24% and 96 months 2.49%.
Anyone know if its possible to switch? I signed up for the 2.49 96 month 2 months ago, they never even told me the rates for less time was lower (Previously it was a straight 3.6% regardless of period so i made the assumption it was the same and didn't even question it).
Would've hands down taken the 72 months at 1.99 instead!