开年金融战打响！多家车企出手，七年超长车贷来了

Group 1 - Lantu Motors has launched a "seven-year low-interest" car purchase plan, allowing customers to enjoy benefits such as zero down payment and interest rates as low as 1.88% for 12-84 months, potentially saving between 36,000 to 68,000 yuan in interest depending on the model [1] - This policy is not unique to Lantu; Tesla initiated a similar "five-year zero-interest" policy in April 2024, which has since been adopted by various brands including Xiaopeng and NIO, indicating a shift in the automotive market towards financial innovations rather than direct price cuts [4][5] - The automotive industry is responding to a sluggish market by collectively increasing long-term low-interest policies, as evidenced by a significant drop in retail sales of passenger vehicles, which fell by 14% year-on-year in December 2025 [5] Group 2 - The long-term low-interest model may pose risks for smaller car manufacturers, as the cost of interest subsidies could consume 10% to 15% of their profit margins, and the reliance on long-term loans may strain cash flow [6] - There are concerns that excessive long-term financing could lead to a depletion of future consumer demand, potentially resulting in a market downturn and a return to price wars if financial competition escalates [6][7] - Industry experts emphasize the need for a shift towards higher quality competition, suggesting that financial policies should be viewed as short-term tools while long-term competitiveness relies on technological innovation and product value enhancement [7]