在特斯拉门店， 全家出动看新车的场景很常见 本报记者 叶薇 摄 记者在智己汽车大年初二推出的直播间看到，销售人员针对春节家庭出行、返乡长途驾驶等核心场景， 讲解智己LS9的安全配置、智能辅助驾驶系统与续航表现，击中消费者春节出行的用车痛点，从金融方 案、车辆配置到售后保障，实时解答消费者疑问。 多家车企表示，春节期间是家庭用户集中看车选车的好时机，重心从"催单落地"转为全家"种草"，把春 节视为锁定家庭用户长期意向的关键节点。一名销售表示，春节期间到店的家庭用户，决策链条更长、 考量维度更全，"此时过度推销会适得其反，我们更愿意花时间陪他们体验空间、讲解政策"。 在静安区大宁国际广场的长城汽车展厅，一对夫妻带着父母一起体验大六座的家用SUV魏牌全新蓝山， 门店也重点展示了三排大空间、儿童安全座椅安装、后排娱乐功能等。销售人员化身"家庭出行顾问"， 帮家庭算好用车账、金融账。 金融政策再度"加码" "上海的特斯拉车主春节返乡需求特别集中，节前车辆检测的预约排得满满当当。"特斯拉一线工作人员 党先生在接受采访时表示，针对春运长途出行，重点加强了服务保障：线下为返乡车主提供车辆检测， 聚焦电池、轮胎等核心部件；线上 ...

"爸妈觉得这车安全，孩子喜欢全景天窗，我们更看重续航和充电方便。"大年初五，在南京西路太古汇 商场的一家汽车展厅内，李女士一家五口围在一辆新车旁热烈讨论。这样的场景，在今年春节假期并不 鲜见。随着新能源汽车日益融入日常生活，逛商场、走亲戚之余"顺便看个车"，已成为许多家庭的新年 俗。 金融政策再加码 （来源：上观新闻） 特斯拉门店里，家庭看车的场景很常见 在静安区大宁国际广场的长城汽车展厅，一对夫妻带着父母一起体验大六座的家用SUV魏牌全新蓝山， 门店也重点展示了三排大空间、儿童安全座椅安装、后排娱乐功能等。销售人员化身 "家庭出行顾 问"，帮家庭算好用车账、金融账。 消费者的购车决策也悄然生变，从追捧"花式配置"转向坚守"安全与稳定"，新能源汽车消费正迈入理性 发展的新阶段。 "上海的特斯拉车主春节返乡需求特别集中，节前车辆检测的预约排得满满当当。"特斯拉一线工作人员 党先生在接受采访时表示，针对春运长途出行，品牌春节期间重点加码服务保障。线下为返乡车主提供 车辆检测，聚焦电池、轮胎等核心部件；线上远程服务24小时在线，随时响应出行突发情况。 销售端，特斯拉全面开启"春节不打烊"模式，每家门店每日至少有七成 ...

2026.02. 02 本文字数：3255，阅读时长大约5分钟 作者 | 第一财经 武子晔 记者了解到，按现行的《汽车贷款管理办法》，个人汽车贷款的贷款期限（含展期）不得超过5年。但2025年3月，国家金融监督管理总局发布通知， 明确允许商业银行用于个人消费的贷款期限，可阶段性由不超过5年延长至不超过7年。特斯拉及蔚来此次推出的七年低息贷款被看作是这一政策的落 地。 2026年开年，特斯拉将低息贷款周期延长至7年，率先打响开年金融促销的第一枪。随后，小鹏、理想、小米、吉利等多家车企推出了超长期低息金融 购车方案。 近日，第一财经记者走访市场时发现，多家车企虽然推出超长期低息方案，但主要为补充性金融产品，且不同的车型政策有所不同。此外，多名主机厂 销售人员在向消费者推销汽车时仍以此前推出的1～5年金融政策为主，而超长期低息贷款方案推出是为扩大消费群体进行的促销策略。 "7年低息"花式促销 从车企推出的七年低息金融方案来看，其首付款和月供金额较低，其中月供普遍在2000元上下。以率先推出此类金融方案的特斯拉为例，其售价23.55 万元的Model3后轮驱动版，若选择7年期的"限时低息贷款方案A"，首付最低7.99 ...

Core Viewpoint - Tesla has initiated a 7-year low-interest loan promotion, leading other automakers like Xpeng, Li Auto, Xiaomi, and Geely to follow suit with similar financing options aimed at boosting consumer purchases in a competitive market [1][5]. Group 1: Financing Options - Tesla's Model 3 offers a 7-year loan with a minimum down payment of 79,900 yuan and a monthly payment of approximately 1,918 yuan, with an annual interest rate of 0.5% [2]. - NIO provides a similar 7-year financing plan with a down payment as low as 20% and an annual interest rate starting at 0.49%, significantly lowering the purchase threshold [2][3]. - Li Auto's financing options vary by model, with 6-7 year plans starting at a 15% down payment and annual interest rates ranging from 1.69% to 2.50% [3]. Group 2: Market Dynamics - The introduction of 7-year low-interest loans is seen as a strategy to increase vehicle sales amid fierce competition in the automotive market [5]. - The average monthly payment for a 7-year loan can be reduced to around 2,000 yuan, compared to approximately 5,000 yuan for a 5-year loan, easing the financial burden on consumers [5]. Group 3: Regulatory Context - Current regulations limit personal auto loans to a maximum of 5 years, but a recent policy change allows for a phased extension to 7 years, enabling companies like Tesla and NIO to offer these financing options [4]. - The shift to 7-year loans is facilitated by the conversion of auto loans into consumer loans by some financial institutions, reflecting a change in risk management practices [4]. Group 4: Financing Providers - Many of the 7-year low-interest products are provided by automotive financing leasing companies or third-party financial institutions rather than traditional banks [7]. - Li Auto's financing products are offered through various leasing companies, indicating a trend towards alternative financing models in the automotive sector [7]. Group 5: Consumer Considerations - Consumers are advised to carefully evaluate third-party leasing products, distinguishing between direct leasing and buy-back options, and to consider the total cost of ownership, including any additional fees and penalties for early repayment [9]. - The financing leasing model presents challenges, such as potential losses for leasing companies due to customer defaults and the difficulty in recovering costs from returned vehicles [10].

Core Viewpoint - The automotive finance market is currently dominated by conventional car loans with terms of 1 to 5 years, while 7-year low-interest products are not mainstream and serve primarily as promotional tools to attract consumers [1][9]. Group 1: 7-Year Low-Interest Loan Products - Tesla has extended its low-interest loan period to 7 years, initiating a trend that other manufacturers like Xiaopeng, Li Auto, and Geely have followed with similar offerings [1][2]. - The 7-year low-interest loans typically feature lower down payments and monthly payments, with Tesla's Model 3 offering a minimum down payment of 79,900 yuan and a monthly payment of approximately 1,918 yuan [2]. - NIO offers a 7-year loan with a down payment as low as 20% and an annual interest rate of 0.49%, significantly lowering the entry barrier for consumers [2][3]. Group 2: Financial Institutions and Risk Management - Many of the 7-year low-interest products are provided by automotive financing leasing companies or third-party financial institutions rather than traditional banks, which typically do not offer loans longer than 5 years due to risk management policies [4][7]. - The current regulatory framework allows for personal auto loans to be extended to 7 years, a change that has enabled companies like Tesla and NIO to introduce these products [4]. - The financing leasing model often involves lower upfront costs but may include conditions such as penalties for early repayment, which vary by institution [8][9]. Group 3: Market Dynamics and Consumer Impact - The introduction of 7-year low-interest loans is primarily aimed at boosting vehicle sales amid intense market competition, with varying levels of interest subsidies across different manufacturers [5][10]. - Extending the repayment period from 5 to 7 years can significantly reduce monthly payments, making it easier for consumers to afford vehicles [5]. - Consumers are advised to carefully evaluate the total cost of ownership, including potential additional fees and the implications of different ownership structures (direct lease vs. return lease) when considering these financing options [9][10].

Core Viewpoint - Tesla's Shanghai Gigafactory has successfully produced its 1,000th Megapack energy storage system, marking a significant milestone in its operations and export capabilities to Europe [1]. Group 1: Production and Capacity - The Shanghai Gigafactory took less than six months to produce the first 1,000 Megapacks, showcasing Tesla's rapid production capabilities [1]. - Each Megapack can store approximately 3,900 kWh of electricity, equivalent to the battery capacity of 62 Model 3 rear-wheel drive vehicles [3]. - The factory is expected to reach a production capacity of 10,000 Megapacks, with a total energy storage scale of nearly 40 GWh [3]. Group 2: Investment and Infrastructure - The Shanghai Gigafactory was constructed and completed in just seven months, setting a new record compared to the timeline of the Shanghai Super Factory established in 2019 [3]. - The project covers an area of approximately 200,000 square meters and involves a total investment of around 1.45 billion yuan [3]. Group 3: Market Expansion - Tesla's energy products are now deployed in over 65 countries and regions globally, enhancing electricity generation and transmission efficiency [1]. - The first batch of Megapacks was officially exported to Australia, with plans for further supply to domestic and Asia-Pacific markets [3].

Core Viewpoint - Tesla has upgraded the Model 3 Long Range All-Wheel Drive version, increasing its CLTC range to 753 km and reducing the acceleration time to 3.8 seconds, leading to a price increase to 285,500 yuan [1][3]. Group 1: Model 3 Updates - The Model 3 Long Range version's price has been raised from 275,500 yuan to 285,500 yuan due to the enhanced range [1]. - The rear-wheel drive and high-performance all-wheel drive versions of Model 3 remain priced at 235,500 yuan and 339,500 yuan, respectively [1]. Group 2: Model Y Updates - The refreshed Model Y Long Range All-Wheel Drive version has a CLTC range of 750 km, with its starting price unchanged at 313,500 yuan [3]. - Both the Model 3 Long Range and the refreshed Model Y Long Range feature a new battery pack with improved chemical composition, enhancing vehicle range and durability [3]. Group 3: Promotions and Offers - Customers who place orders by July 31 can benefit from multiple promotions, including "5 years 0 interest," an 8,000 yuan insurance subsidy (limited to Model 3), and other incentives [3]. - The Model Y Long Range version offers a free upgrade of 31 km in range without a price increase, and customers can select paint options at no additional cost through referrals [3]. Group 4: Sales Forecast - Tesla is expected to announce quarterly delivery data soon, with analysts predicting a decline in delivery volumes [4]. - In May 2025, Tesla China's wholesale sales were reported at 61,700 units, with Model Y sales at 24,800 units and Model 3 sales at 13,800 units [4].