Core Viewpoint - The article discusses the recent trend of car manufacturers offering "7-year low-interest" financing plans to stimulate consumer demand, driven by government policies aimed at boosting consumption [2][5]. Group 1: Financing Trends - Various car manufacturers, including Tesla, Xiaomi, and Xpeng, have launched "7-year low-interest" financing options, breaking away from the traditional 1-5 year loan terms [1][5]. - The financing plans are designed to lower monthly payments and initial down payments, making it easier for consumers to purchase vehicles [1][5]. - The trend is a response to government initiatives encouraging consumer spending, particularly before the Lunar New Year [2][5]. Group 2: Loan Details and Variations - The financing options vary significantly among manufacturers, particularly in terms of lending institutions, down payment requirements, and interest rates [5][6]. - Tesla offers competitive rates, with a 0.50% annual fee translating to an effective annual rate of 0.98% for those making a 25% down payment [6]. - Other brands like Li Auto and Xpeng have higher effective annual rates, ranging from 1.9% to 4.69%, indicating a broader range of financing costs [6]. Group 3: Consumer Perception and Financial Implications - Consumers generally perceive the "7-year low-interest" loans as a way to reduce monthly financial burdens, although total interest payments may increase over the loan term [8][10]. - For example, a Xiaomi YU7 financed over 7 years with a 1% annual fee results in a total interest payment of approximately 14,252.28 yuan [8]. - Some consumers express caution, preferring to pay in full rather than take on long-term debt, indicating a desire to avoid overextending financially [10]. Group 4: Risk and Valuation Concerns - The longer loan terms raise concerns about vehicle depreciation and residual values, especially for electric vehicles, which may not hold their value as well as traditional combustion vehicles [11][14]. - The article notes that the average resale value for electric vehicles is lower than that of traditional vehicles, which could pose risks for consumers taking on long-term loans [11][14]. - The article highlights that the main models offered under these financing plans have relatively high resale values, which may mitigate some concerns [11][13]. Group 5: Consumer Eligibility and Approval Process - The approval process for "7-year low-interest" loans is more stringent, requiring higher credit qualifications compared to shorter-term loans [14][15]. - Financial institutions are increasing their risk assessment criteria, necessitating thorough evaluations of consumers' long-term repayment capabilities [14][15]. - Consumers are advised to assess their financial situations carefully before opting for these extended loan terms to avoid potential rejections or financial strain [15].

前段时间，关于小米二手车价崩盘的话题多次冲上热搜。 有二手车商拍短视频又是下跪，又是打滚，又是做法，哭诉小米二手车砸手里了！ 看到这些视频，全网米黑沸腾，奔走相告，各种关于小米汽车的评论区，一片唱衰声音。 随后，小米多位高管辟谣，比如雷军表示，雷军也发文表示根据中国汽车流通协会2025年12月保值率报告来看，小米SU7目前二手车保值率为80.1%，处 于行业头部水平。 随后我，也有车商表示，网上大量称小米二手车砸手里的视频，均是摆拍。目的是借助小米流量，吸引更多人的人到店里，然后推其他的车。 还有车商反映小米SU7二手车源一到店就被预订，甚至无需主动宣传，基本上是收一台卖一台。 而今日，雷军转发中国汽车流通协会和精真估发布的《2025年度中国汽车保值率报告》 。 报告显示，2025年度纯电动车型中，一年保值率，小米SU7获2025年度保值率第一名，达86.05%。 | 排名 | 品牌 | 车系 | 年保值率 | | --- | --- | --- | --- | | 1 | והו | 小米SU7 | 86.05% | | 2 | ti | 问界M9 | 82.44% | | 3 | 一 理得 | 理想MEG ...

Core Viewpoint - In early 2026, automotive companies are launching a "7-year low-interest" promotion, breaking the traditional 1-5 year loan terms, with a focus on low monthly payments and down payments [1] Group 1: Financial Offerings - Companies like Tesla, Xiaomi, Xpeng, Li Auto, Geely Galaxy, and Lantu are introducing "7-year low-interest" financial plans [1] - The annual interest rate varies significantly among brands, with Tesla offering a low-cost loan at 0.50% for a 25% down payment, translating to an effective annual rate of 0.98% [1] - Li Auto has higher costs, with an annual interest rate of 2.50%, equating to an effective annual rate of 4.69% [1] - Other brands like Xpeng, Geely Galaxy, and Xiaomi have effective annual rates ranging from 1.9% to 3.5%, placing them in the mid-range [1] Group 2: Consumer Sentiment - Many consumers express that the "7-year low-interest" car loans significantly reduce monthly payment pressure, with some stating, "A few thousand yuan down and only one or two thousand yuan monthly makes it much easier" [1] - However, some consumers remain cautious, indicating that while monthly payments are lighter, they prefer to pay in full if possible, as relying on a 7-year loan suggests exceeding their normal financial capacity [1]

| | | | 中曾發明 | | | | --- | --- | --- | --- | --- | --- | | | | | 2025年新势力车型销量榜 | | | | 19 40 | 44 38 | 82 | 周立 | BUC A | 日本 | | 8 | | 1000 | VIL | 21 82 | 86.7% | | 7 | x | FRENCHANNE | HALE | 17.50 | 100 74 | | 2 | 3 | HPLA | SAN | 10.00 | 43.0% | | 4 | | ALEXUS | 201 | 10.37 | | | 1 | | REFERE | SAM | 15.04 | | | 0 | | 用液(H) | W | 12 10 | 81.9% | | D | ( es es 6 es | 图片图 | SAN | (1) 19 100 | 200 | | . | | 31,7247 | SPAR | 73.565 | 40.3% | | 1 | | 1888 | Sale | 0.43 | 250 7% | | 10 | 8 | 第8011 | W | 0.40 | ...

阿里巴巴-W（09988）、中国移动（00941）、中国太保（02601）南向资金净流出金额位列市场前三， 分别净流出-14.88 亿、-7.45 亿、-4.66 亿 智通财经APP获悉，1月23日,泡泡玛特（09992）、小米集团-W（01810）、快手-W（01024）南向资金 净流入金额位列市场前三，分别净流入7.45 亿、6.09 亿、5.35 亿 前10大净流入比榜 | 股票名称 | 净流入比↓ | 净流入(元) | 收盘价 | | --- | --- | --- | --- | | 民生银行(01988) | 68.65% | 1.26 亿 | 3.820（+0.53%） | | 美的置业(03990) | 60.58% | 227.38 万 | 4.060（-0.25%） | | 环球新材国际(06616) | 51.04% | 2634.44 万 | 8.600（-2.82%） | | 四川成渝高速公路 | 50.36% | 504.87 万 | 5.200（+1.76%） | | --- | --- | --- | --- | | (00107) | | | | | 江苏宁沪高速公路 | 5 ...

从整体定位来看，十七Max可视作十七系列的大屏优化版本。由于去除了背屏结构，其制造成本与售价 预计较十七Pro Max有所下调，计划于二〇二六年第二季度正式发布。 此外，十七Max配备八千毫安时电池，支持一百瓦有线快充与五十瓦无线快充，并预装最新版本的澎湃 操作系统。 小米于去年九月推出的十七系列，是近年来产品设计变革最为显著的一代。该系列在常规标准版与Pro 版基础上，首次增加了Pro Max版本，其屏幕尺寸较Pro版有所增大，影像系统也进一步升级。 近期有消息显示，小米十七系列今年还将推出一款全新机型——十七Max。这款产品定位于全能型大屏 旗舰，取消了背部副屏设计，后置徕卡三摄系统，包含一颗两亿像素主摄、一枚五千万像素索尼潜望式 长焦镜头以及一枚五千万像素超广角镜头。 (11256861) ...

Core Viewpoint - The introduction of 7-year low-interest financing plans by various electric vehicle manufacturers aims to stimulate market demand amid a competitive landscape and inventory pressure, but the actual effectiveness and implications of these plans remain to be validated by the market [1][14]. Financing Plans Overview - Major brands like Tesla, Xiaomi, Li Auto, and Xpeng have launched or enhanced 7-year low-interest financing options, extending traditional auto loan periods by 2 to 3 years [1]. - Monthly payments have significantly decreased due to longer loan terms, with Xiaomi's YU7 starting at 2,593 yuan, Xpeng's models at 1,355 yuan, Li Auto at 2,578 yuan, and Tesla's Model 3/Y/Y L at 1,918 yuan [1]. Brand-Specific Financing Details - Tesla offers two different 7-year financing plans with varying down payment requirements, where a lower down payment (around 15%) has an annualized rate of 0.7% and an effective annualized rate of 1.36%, while a higher down payment (around 30%) has a rate of 0.5% and an effective rate of 0.98% [5][6]. - Xiaomi's plan requires a minimum down payment of 20% with an annualized rate of 1% and an effective rate of 1.93% [6]. - Li Auto's financing is categorized by model, with some models offering interest-free payments for the first three years, while others have rates of 2.5% and an effective rate of 4.69% [7]. - Xpeng's plan applies to all models with a minimum down payment of 15% and an annualized rate of 1.5%, resulting in an effective rate of 2.86% [7]. Market Context and Consumer Sentiment - The automotive market is experiencing a decline, with retail sales down 28% year-on-year and wholesale sales down 35% in early January 2026 [13]. - Analysts predict a potential drop in retail sales of 2% for 2026, with more severe declines expected in the first quarter [13]. - Sales personnel from various brands express differing opinions on the 7-year financing plans, with some recommending shorter 5-year plans due to lower interest costs and fewer requirements [10][12]. Financing Model Implications - Li Auto and Xpeng utilize financing leasing models, while Tesla offers personal loans alongside leasing options, which may lead to higher effective rates due to the nature of leasing [9]. - The 7-year low-interest plans are seen as a strategy to lower the purchase threshold for consumers, but the actual impact may be limited by high qualification requirements and the financial profiles of potential buyers [14].

Core Insights - The report titled "2025 Annual China Car Retention Rate Report" indicates that the Xiaomi SU7 achieved the highest one-year retention rate among pure electric vehicles for 2025, marking its first participation in the annual retention rate rankings since its launch [1][5]. Group 1: Retention Rate Rankings - The Xiaomi SU7 has a one-year retention rate of 86.05%, placing it first in the rankings [4]. - The second position is held by the Jianjie M9 with a retention rate of 82.44% [4]. - The Li Auto MEGA ranks third with a retention rate of 78.56% [4]. - Other notable mentions include the Geely Galaxy Xingyuan at 78.01% and Tesla Model X at 76.38% [4]. - The Tesla Model 3 and XPeng MONA M03 have retention rates of 75.27% and 73.10%, respectively [4].

1月27日，中国汽车流通协会和精真估发布了《2025年度中国汽车保值率报告》。《报告》显示，小米 SU7在纯电动车领域取得第一名，一年保值率高达86.05%。紧随其后的是问界M9 EV、理想MEGA、吉 利星愿以及特斯拉Model X。 对此，小米创办人、董事长兼CEO雷军在微博发文称，感谢每一位用户的认可，感谢一路同行。 f流通协会 精真估 纯电动 保值率排名 | 排名 | 品牌 | 车系 | 年保值率 | | --- | --- | --- | --- | | 1 | וה | 小米SU7 | 86.05% | | 2 | 0 | 问界M9 | 82.44% | | 3 | ■ 理想 | 理想MEGA | 78.56% | | 4 | 吉利银河 | 星愿 | 78.01% | | 5 | 特斯拉 | Model X | 76.38% | | 6 | 极氪 | ZEEKR 009 | 75.49% | | 7 | 特斯拉 | Model 3 | 75.27% | | 8 | 小鹏 | 小鹏MONA M03 | 73.10% | | 9 | 特斯拉 | Model Y | 71.97% | | 10 | 小鵬 ...

据中国汽车流通协会和精真估发布了《2025年度中国汽车保值率报告》，小米SU7在纯电动车领域取得 第一名。小米创办人雷军在微博发文回应称，感谢每一位用户的认可，感谢一路同行。 报告显示，小米SU7一年保值率高达86.05%，夺得头名。紧随其后的是问界M9 EV、理想MEGA、吉利 星愿以及特斯拉Model X。 | 小米SU7保值率第 | | (1989.0) | 84.05% | | --- | --- | --- | --- | | 中国的航班加盟 股票信 | | 网 作者 | R1,4491 | | 2020年度 2000年 10000 | MA 272 | TELENCEA | 71,55% | | | ATATT | 80 | ALDE % | | | 06-16-07 1 | Vinrid I. | 71,000 | | | 129 | 27 Ca2+/804 | 71.800. | | | 2710 107 | PROCEN K | 71,27% | | | 100 | (142) Address MOS | 31.9 Wh | | UTS NUDETI | 64 19 47 | PUXHIT ...