Seeing quite a few people criticizing Lei Jun's new repayment plan for the Xiaomi SU7, saying that the interest-first, principal-later structure each year might cause young people to misjudge their financial capability and lead to超前消费...

But it seems that there are already many car companies offering zero down payment options, and at least this plan still requires a five-thousand-yuan down payment.

Moreover, from my observations, misjudging one's spending power really isn't limited to age... I have middle-aged friends who bought a BJ40 as a family car with zero down payment and a monthly payment of four thousand yuan🤣