美国车贷逾期率飙升50%！曾经最安全的贷款 如今成了“风险高地”

Core Insights - Over the past 15 years, U.S. auto loans have shifted from being the safest consumer credit product to one of the riskiest, with delinquency rates rising over 50% [1] - Consumers across all income levels are struggling to make monthly auto loan payments, contrasting with improvements in the risk profile of credit cards and personal loans [1][2] - The average monthly payment for new cars has reached $767, with one-fifth of borrowers paying over $1,000 per month, while new car loan interest rates have surpassed 9% [1] Group 1 - The cost of vehicles and related expenses has significantly increased, with new car prices rising over 25% since 2019, and the average price now exceeding $50,000 [1] - The average auto loan balance has increased by 57% since 2010, outpacing all other credit products [2] - Consumers are extending loan terms to 7 years or more to reduce monthly payments, leading to more individuals being "underwater" on their loans, where the amount owed exceeds the vehicle's actual value [2] Group 2 - Higher-income consumers are more likely to believe they can afford more expensive vehicles, resulting in higher delinquency rates among prime and near-prime borrowers compared to subprime borrowers [2] - The trend of rising auto loan delinquencies is expected to continue, as consumers are still purchasing more expensive trucks and SUVs, while the availability of economical models is decreasing [2] - The financial stability of consumers is currently more precarious than at any time since the last economic recession, with many struggling to maintain a balanced budget [2]