I've had some discussions with electricians about the load feasibility of adding a NEMA 14-50 receptacle to support EV charging. They've all said most houses with 100A service should be able to handle the addition of a 50A circuit. It still takes a lot of coincidences of major appliances + HVAC running at the same time to trigger the 100A breaker under typical use.
That said, they also universally recommended to utilize reduced draw from the car as well as to schedule charging at times where usage is low (middle of the night).
In the OP's case, it sounds like the electrician feels a 36A max draw is safe for existing load. I actually have two 50A circuits off a subpanel that's behind a 100A breaker. That panel also contains various small circuits (no major appliances). To be safe, I have both cars charging around 24A. No problem replenishing the battery overnight; plus I have less resistance thru the wire which translates into lower charging losses.
That said, they also universally recommended to utilize reduced draw from the car as well as to schedule charging at times where usage is low (middle of the night).
In the OP's case, it sounds like the electrician feels a 36A max draw is safe for existing load. I actually have two 50A circuits off a subpanel that's behind a 100A breaker. That panel also contains various small circuits (no major appliances). To be safe, I have both cars charging around 24A. No problem replenishing the battery overnight; plus I have less resistance thru the wire which translates into lower charging losses.