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 ...

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。 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。 王昌认为，车企主推7年低息这类差异化金融产品，核心目的是拉动汽车销量，以此应对当下激烈的车 市竞争。而不同车企的贴息力度也存在差异，普遍贴息标准在1个点到2个点，这能大幅降低消费者的实 际利息成本。对消费者来说，将还款周期从5年拉长至7年，可直接摊薄单月还款额，原本5年期车贷月 供约五千元，7年期可降至两千元左右，大幅减轻购车人群的还款压力，也进一步下沉了购车门槛。这 类金融产品的资质审核，依旧遵循各机构自身的风控管理标准，主要参考消费者的收入能力、偿债能力 与个人信用水平进行评定，但整体而言，7年期产品因单月还贷压力更小，对消费者的资质门槛要求， 会比传统5年期产品更低。 是否暗藏风险？ ...

当前7年期低息产品并非汽车金融市场主流，行业核心产品依旧是1~5年期常规车贷。 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7.99万元，月供为1918元；特斯拉首付30%，年化费率仅为0.5%，折合年化利率 0.98%。蔚来汽车推出限时7年（84期）低息金融购车方案，可享首付低至20%、年化费率低至0.49%。 若选择BaaS电池租用服务，首付仅需3.8万元起，月供低至1872元，月利息最低62.8元，并直接降低 ...

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].