车贷“卷到”8年了

Core Viewpoint - The article discusses the increasing trend of ultra-long-term low-interest car loans in the automotive industry, highlighting East Nissan's recent financial offerings as part of a competitive strategy to boost sales amid market pressures and policy changes [1][5]. Group 1: East Nissan's Financial Offerings - East Nissan has introduced a limited-time financial plan for its model, the Tianlai Hongmeng cockpit, featuring a zero down payment and an 8-year loan term with a monthly payment as low as 55 yuan, based on a vehicle price of 129,900 yuan [1]. - The financial plan is applicable to all models in East Nissan's lineup, including N6, N7, and Xuan Yi Classic, with a zero down payment and a monthly payment as low as 27 yuan for the Xuan Yi Classic [1][5]. - The financing is provided by East Nissan's licensed automotive financial company, indicating a structured approach to consumer financing [1]. Group 2: Market Context and Competition - The introduction of East Nissan's ultra-long-term low-interest loans is part of a broader trend where various automakers, including Tesla and Xiaomi, have begun offering 7-year low-interest financing options, breaking away from traditional 1-5 year loan terms [5]. - The annual interest rates for these long-term loans vary significantly, ranging from 0.98% to 4.69%, with Tesla offering the lowest cost [5]. - The competitive landscape is influenced by the need for car manufacturers to stimulate sales, especially as the market for new energy vehicles (NEVs) is projected to grow significantly, with a forecasted domestic sales volume of 13.875 million units in 2025, representing a 19.8% year-on-year increase [5]. Group 3: Consumer Considerations and Risks - The extension of loan terms to 8 years may lead to increased total interest payments for consumers, necessitating careful financial assessment before committing to such loans [6]. - The risk of vehicle depreciation is highlighted, with electric vehicles showing lower resale values compared to traditional fuel vehicles, which could impact consumers' long-term financial decisions [7]. - Consumers are advised to understand the differences between loan contracts, sales contracts, and leasing agreements, as these can significantly affect vehicle ownership and financial obligations [7].