7年低息“车贷”被收紧，多车企暂至4月底截止

21世纪经济报道04-23

21世纪经济报道记者曹媛　　七年期低息“车贷”业务被收紧，多家车企金融政策暂时延至4月底。　　2026年开年，车市掀起超长周期低息车贷促销。近期，21世纪经济报道记者独家了解到，这一超长周期贷款业务正在被收紧，多家车企已明确将相关政策延续至2026年4月30日，后续是否续期暂无定论。　　“车贷七年期，（部分）银行停掉了，然后这两天（融资）租赁公司据传也要求停掉了。”一位股份制银行汽车金融...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohu8.com/m/news/2629887521?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2026-04-23 18:07","share_image_url":"https://static.laohu8.com/b0d1b7e8843deea78cc308b15114de44","id":"2629887521","market":"us","top_or_hot":-1,"title":"7年低息“车贷”被收紧，多车企暂至4月底截止","media":"21世纪经济报道","content":"<div>\n<p>21世纪经济报道记者 曹媛\n　　七年期低息“车贷”业务被收紧，多家车企金融政策暂时延至4月底。\n　　2026年开年，车市掀起超长周期低息车贷促销。近期，21世纪经济报道记者独家了解到，这一超长周期贷款业务正在被收紧，多家车企已明确将相关政策延续至2026年4月30日，后续是否续期暂无定论。\n　　“车贷七年期，（部分）银行停掉了，然后这两天（融资）租赁公司据传也要求停掉了。”一位股份制银行汽车金融...</p>\n\n<a href=\"https://finance.sina.com.cn/money/bank/bank_hydt/2026-04-23/doc-inhvntfe3769769.shtml\">网页链接</a>\n\n</div>\n","source":"sina","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>7年低息“车贷”被收紧，多车企暂至4月底截止</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n7年低息“车贷”被收紧，多车企暂至4月底截止\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-04-23 18:07 北京时间&nbsp;&nbsp;&nbsp;<a href=https://finance.sina.com.cn/money/bank/bank_hydt/2026-04-23/doc-inhvntfe3769769.shtml><strong>21世纪经济报道</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>21世纪经济报道记者 曹媛\n　　七年期低息“车贷”业务被收紧，多家车企金融政策暂时延至4月底。\n　　2026年开年，车市掀起超长周期低息车贷促销。近期，21世纪经济报道记者独家了解到，这一超长周期贷款业务正在被收紧，多家车企已明确将相关政策延续至2026年4月30日，后续是否续期暂无定论。\n　　“车贷七年期，（部分）银行停掉了，然后这两天（融资）租赁公司据传也要求停掉了。”一位股份制银行汽车金融...</p>\n\n<a href=\"https://finance.sina.com.cn/money/bank/bank_hydt/2026-04-23/doc-inhvntfe3769769.shtml\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU2602419157.SGD","symbol_name":"HSBC ISLAMIC GLOBAL EQUITY INDEX \"AC\" (SGD) ACC","start_time":0,"source_url":"https://finance.sina.com.cn/money/bank/bank_hydt/2026-04-23/doc-inhvntfe3769769.shtml","article_id":"2629887521","we_media_id":null,"thumbnails":[],"rights":{"source":"sina","url":"https://finance.sina.com.cn/money/bank/bank_hydt/2026-04-23/doc-inhvntfe3769769.shtml","rn_cache_url":null,"customStyle":"body{padding-top:10px;}.art_tit_h1{#titleStyle#}a{#lv2TextColor#}.art_time, .art_cite{#sourceStyle#;} .art_cite{margin-left: 3px;}","selectors":".module-article, article","filters":"header, .voice2, .tags, #norm_qrcode_link_auto, .unfold-box, .action","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2629887521","pubTimestamp":1776938820,"columns":[],"sourceInfo":{"source_id":"sina","name":"sina"},"weMediaInfo":null,"summary":"　　七年期低息“车贷”业务被收紧，多家车企金融政策暂时延至4月底。　　2026年开年，车市掀起超长周期低息车贷促销。近期，21世纪经济报道记者独家了解到，这一超长周期贷款业务正在被收紧，多家车企已明确将相关政策延续至2026年4月30日，后续是否续期暂无定论。　　小米汽车的一位销售人员给记者展示了其内部通知：接银行侧政策调整通知，6-7年期产品可能随时停止受理，最多做到4月30日。","collect":0,"end_time":0,"defaultTopTitle":"sina.com.cn","property":[],"viewcount":null,"language":"zh","relate_stocks":{"LU2602419157.SGD":"HSBC ISLAMIC GLOBAL EQUITY INDEX \"AC\" (SGD) ACC","LU2360107168.USD":"BGF NEXT GENERATION TECHNOLOGY \"A4\" (USD) INC","BK4555":"新能源车","LU1145028129.USD":"ALLIANZ INCOME AND GROWTH \"AQ\" (USD) INC","LU0719512351.SGD":"JPMorgan Funds - US Technology A (acc) SGD","LU2236285917.USD":"ALLIANZ GLOBAL INCOME \"AMG\" (USD) INC","LU1232071149.USD":"AZ FUND 1 GLOBAL GROWTH SELECTOR \"AAZ\" (USDHDG) ACC","LU0320765059.SGD":"FTIF - Franklin US Opportunities A Acc SGD","IE00BJLML261.HKD":"HSBC GLOBAL EQUITY INDEX \"HCH\" (HKD) ACC","LU1674673691.USD":"HSBC GIF GLOBAL LOWER CARBON EQUITY \"AD\" (USD) INC","LU2420271590.USD":"ALLIANZ SELECT INCOME AND GROWTH \"AT\" (USD) ACC","LU1914381329.SGD":"Allianz Best Styles Global Equity Cl ET Acc H2-SGD","LU2249611893.SGD":"BNP PARIBAS ENERGY TRANSITION \"CRH\" (SGD) ACC","LU1674673428.USD":"HSBC GIF GLOBAL LOWER CARBON EQUITY \"AC\" (USD) ACC","LU0234570918.USD":"高盛全球核心股票组合Acc Close","LU0316494557.USD":"FRANKLIN GLOBAL FUNDAMENTAL STRATEGIES \"A\" ACC","LU1861559042.SGD":"日兴方舟颠覆性创新基金B SGD","LU1839511570.USD":"WELLS FARGO GLOBAL FACTOR ENHANCED EQUITY \"I\" (USD) ACC","BK4588":"碎股","LU0708995401.HKD":"FRANKLIN U.S. OPPORTUNITIES \"A\" (HKD) ACC","LU0820561818.USD":"安联收益及增长平衡基金Cl AM DIS","LU2456880835.USD":"ALLIANZ GLOBAL INCOME \"AT\" (USD) ACC","LU2471134952.CNY":"INVESCO GLOBAL EQUITY INCOME ADVANTAGE \"A\" (CNYHDG) INC","BK4550":"红杉资本持仓","LU1551013342.USD":"Allianz Income and Growth Cl AMg2 DIS USD","LU2471134879.HKD":"INVESCO GLOBAL EQUITY INCOME ADVANTAGE \"A\" (HKD) INC","TSII":"REX TSLA Growth & Income ETF","XPEV":"小鹏集团","BK4598":"佩洛西持仓","META":"Meta Platforms, Inc.","BK4551":"寇图资本持仓","LU2471134523.USD":"INVESCO GLOBAL EQUITY INCOME ADVANTAGE \"A\" (USD) ACC","TSL":"1.25倍做多TSLA ETF-GraniteShares","IE00B19Z8X17.USD":"FTGF CLEARBRIDGE US LARGE CAP GROWTH  \"AG\" (USD) ACC","AMZN":"亚马逊","GOOG":"谷歌","MSFT":"微软","LU0345769128.USD":"NINETY ONE GSF GLOBAL EQUITY \"A\" (USD) ACC","TSLG":"2倍做多TSLA ETF-Leverage Shares","LU2471134796.USD":"INVESCO GLOBAL EQUITY INCOME ADVANTAGE \"A\" (USD) INC","LU0943347566.SGD":"安联收益及增长平衡基金AM H2-SGD","LU0234572021.USD":"高盛美国核心股票组合Acc","LU0210536198.USD":"JPM US GROWTH \"A\" ACC","TSLI":"2倍做多TSLA ETF-ProShares","LU0820562030.AUD":"ALLIANZ INCOME AND GROWTH \"AMH2\" (AUDHDG) H2 INC","LU2750360641.GBP":"INVESCO GLOBAL EQUITY INCOME ADVANTAGE \"A\" (GBPHDG) INC","TLA":"GraniteShares Autocallable TSLA ETF","LU1861558580.USD":"日兴方舟颠覆性创新基金B","IE00B19Z9505.USD":"美盛-美国大盘成长股A Acc","LU0345769631.USD":"NINETY ONE GSF GLOBAL EQUITY \"A\" (USD) INC","SG9999015945.SGD":"LionGlobal Disruptive Innovation Fund A SGD","LU2896262040.SGD":"JPM US GROWTH FUND \"A\" (SGD) ACC","LU2750360997.AUD":"INVESCO GLOBAL EQUITY INCOME ADVANTAGE \"A\" (AUDHDG) INC","TSLO":"2倍上限加速TSLA ETF-Leverage Shares","LU0345770308.USD":"NINETY ONE GSF GLOBAL STRATEGIC EQUITY \"A\" (USD) ACC","IE00BWXC8680.SGD":"PINEBRIDGE US LARGE CAP RESEARCH ENHANCED \"A5\" (SGD) ACC","LU0345770993.USD":"NINETY ONE GSF GLOBAL STRATEGIC EQUITY \"A\" (USD) INC","TSLP":"TSLA收益溢价策略ETF-Kurv","TSLQ":"2倍做空TSLA ETF-Tradr","LU1720051108.HKD":"ALLIANZ GLOBAL ARTIFICIAL INTELLIGENCE \"AT\" (HKD) ACC","LU0672654240.SGD":"FTIF - Franklin US Opportunities A Acc SGD-H1","LU1861215975.USD":"贝莱德新一代科技基金 A2","TSLR":"2倍做多TSLA ETF-GraniteShares","SG9999015952.SGD":"LIONGLOBAL DISRUPTIVE INNOVATION \"I\" (SGD) ACC","LU1429558221.USD":"Natixis Loomis Sayles US Growth Equity RA USD","LU1548497426.USD":"安联环球人工智能AT Acc","TSLS":"1倍做空TSLA ETF-Direxion","LU1861220033.SGD":"Blackrock Next Generation Technology A2 SGD-H","LU2756315664.SGD":"ALLIANZ INCOME AND GROWTH \"AMI\" (SGDHDG) INC","LU1435385759.SGD":"Natixis Loomis Sayles US Growth Equity RA SGD-H","TSLT":"2倍做多TSLA ETF-T-Rex","CRSH":"做空TSLA 期权收益策略ETF-YieldMax","TSLW":"TSLA周配息ETF-Roundhill","TSLY":"TSLA期权收益策略ETF-YieldMax","LU2326559502.SGD":"Natixis Loomis Sayles US Growth Equity P/A SGD-H","LU1629891620.HKD":"ALLIANZ INCOME AND GROWTH \"AMG2\" (H2-HKD) INC","BK4604":"机器人概念","07766":"南方两倍做多特斯拉","TSLZ":"2倍做空TSLA ETF-T-Rex","IE00BSNM7G36.USD":"NEUBERGER BERMAN SYSTEMATIC GLOBAL SUSTAINABLE VALUE \"A\" (USD) ACC","BK4527":"明星科技股","LU1778281490.HKD":"HSBC GIF GLOBAL LOWER CARBON EQUITY \"AD\" (HKD) INC","LI":"理想汽车","LU0053666078.USD":"摩根大通基金-美国股票A（离岸）美元","LU2360106780.USD":"BGF WORLD TECHNOLOGY \"A4\" (USD) INC","LU1551013425.SGD":"Allianz Income and Growth Cl AMg2 DIS H2-SGD","LU0082616367.USD":"摩根大通美国科技A（dist）","LU0077335932.USD":"FIDELITY AMERICAN GROWTH \"A\" INC","00175":"吉利汽车","SG9999015986.USD":"LIONGLOBAL DISRUPTIVE INNOVATION \"I\" (USD) ACC","LU1066051225.USD":"HSBC GIF GLOBAL EQUITY VOLATILITY FOCUSED \"AC\" (USD) ACC","TESL":"Simplify Volt TSLA Revolution ETF","LU2756315318.SGD":"ALLIANZ INCOME AND GROWTH \"AMG\" (SGDHDG) INC A","LU0348723411.USD":"ALLIANZ GLOBAL HI-TECH GROWTH \"A\" (USD) INC","TEST":"YieldMax TSLA Performance & Distribution Target 25 ETF","LU2023250330.USD":"ALLIANZ INCOME AND GROWTH \"AMG\" (USD) INC","LU1720051017.SGD":"Allianz Global Artificial Intelligence AT Acc H2-SGD","BK4612":"AI芯片","09868":"小鹏集团-W","LU0823411888.USD":"法巴消费创新基金 Cap","02015":"理想汽车-W","LU1066051811.HKD":"HSBC GIF GLOBAL EQUITY VOLATILITY FOCUSED \"AM2\" (HKD) INC","IE00BK4W5L77.USD":"HSBC GLOBAL FUNDS ICAV US EQUITY INDEX \"HC\" (USD) ACC","LU2462157665.USD":"ALLIANZ GLOBAL INCOME \"A\" (USD) INC","BK4574":"无人驾驶","IE00BK4W5M84.HKD":"HSBC GLOBAL FUNDS ICAV US EQUITY INDEX \"HC\" (HKD) ACC","SG9999015978.USD":"利安颠覆性创新基金A","LU0964807845.USD":"ALLIANZ INCOME & GROWTH \"A\" (USD) INC","LU2087621335.USD":"ALLSPRING GLOBAL FACTOR ENHANCED EQUITY \"A\" (USD) ACC","LU1852331112.SGD":"Blackrock World Technology Fund A2 SGD-H","AAPL":"苹果","LU2417539215.USD":"ALLIANZ GLOBAL INCOME \"AMF\" (USD) INC","BK4581":"高盛持仓","LU0133085943.USD":"T ROWE PRICE US BLUE CHIP EQUITY \"A\" ACC","BK4543":"AI","LU2108987350.USD":"UBS (LUX) EQUITY SICAV GLOBAL OPPORTUNITY SUSTAINABLE (USD) \"P\" (USD) ACC","LU2063271972.USD":"富兰克林创新领域基金","BK4511":"特斯拉概念","BK4534":"瑞士信贷持仓","LU2213496289.HKD":"ALLIANZ INCOME AND GROWTH \"AT\" (HKD) ACC","GELYY":"吉利汽车ADR","BK4533":"AQR资本管理(全球第二大对冲基金)","LU2290526834.HKD":"BGF NEXT GENERATION TECHNOLOGY \"A2\" (HKDHDG) ACC","LU1066051498.USD":"HSBC GIF GLOBAL EQUITY VOLATILITY FOCUSED \"AM2\" (USD) INC","LU1066053197.SGD":"HSBC GIF GLOBAL EQUITY VOLATILITY FOCUSED \"AM3\" (SGDHDG) INC","BK4516":"特朗普概念","LU0820561909.HKD":"ALLIANZ INCOME AND GROWTH \"AM\" (HKD) INC","LU0198837287.USD":"UBS (LUX) EQUITY SICAV - USA GROWTH \"P\" (USD) ACC","LU0323591593.USD":"SCHRODER ISF QEP GLOBAL QUALITY \"A\" (USD) ACC","BK4592":"伊斯兰概念","LU1267930730.SGD":"富兰克林美国机遇基金AS Acc SGD (CPF)","LU0109391861.USD":"富兰克林美国机遇基金A Acc","LU2357305700.SGD":"Allianz Global Artificial Intelligence ET H2-SGD","LU1366192091.USD":"ALLIANZ US EQUITY PLUS \"AM\" (USD) INC","IE00B19Z8W00.USD":"FTGF CLEARBRIDGE US LARGE CAP GROWTH \"A\" INC","IE0034235303.USD":"PINEBRIDGE US RESEARCH ENHANCED CORE EQUITY \"A\" (USD) ACC","BK4548":"巴美列捷福持仓","TSLA":"特斯拉","LU0823414478.USD":"法巴经典能源转换基金","LU0056508442.USD":"贝莱德世界科技基金A2","NVDA":"英伟达","IE00B1XK9C88.USD":"PINEBRIDGE US LARGE CAP RESEARCH ENHANCED \"A\" (USD) ACC","LU0466842654.USD":"HSBC ISLAMIC GLOBAL EQUITY INDEX \"A\" (USD) ACC","LU0097036916.USD":"贝莱德美国增长A2 USD","LU2403377893.USD":"ALLIANZ SELECT INCOME AND GROWTH \"AM\" (USD) INC","LU0689472784.USD":"安联收益及增长基金Cl AM AT Acc","IE00B1BXHZ80.USD":"Legg Mason ClearBridge - US Appreciation A Acc USD","TSDD":"2倍做空TSLA ETF-GraniteShares","TSYY":"收益增强TSLA ETF-GraniteShares","LU2250418816.HKD":"BGF WORLD TECHNOLOGY \"A\" (HKD) ACC","BK4099":"汽车制造商","BK4585":"ETF&股票定投概念"},"translate_title":"7-year low-interest \"car loan\" was tightened, and many car companies temporarily ended at the end of April","themeId":null,"isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/adcd2f89b6fbdcd12cca35a05c6835d7","symbols_score_info":{"TSYY":0.6,"TLA":0.6,"NVDA":0.6,"TSLO":0.6,"00175":1.84,"TSLQ":0.6,"TSLG":0.6,"TSLS":0.6,"GELYY":1.84,"TSLA":1.93,"TSLY":0.6,"TSLR":0.6,"TSDD":0.6,"LI":1.85,"02015":1.85,"TSLZ":0.6,"TSL":0.6,"TSII":0.6,"CRSH":0.6,"AMZN":0.6,"META":0.6,"TEST":0.6,"TSLI":0.6,"GOOG":0.6,"07766":0.6,"AAPL":0.6,"XPEV":1.86,"TSLT":0.6,"TSLW":0.6,"TESL":0.6,"MSFT":0.6,"09868":1.86,"TSLP":0.6},"content_text":"21世纪经济报道记者 曹媛\n　　七年期低息“车贷”业务被收紧，多家车企金融政策暂时延至4月底。\n　　2026年开年，车市掀起超长周期低息车贷促销。近期，21世纪经济报道记者独家了解到，这一超长周期贷款业务正在被收紧，多家车企已明确将相关政策延续至2026年4月30日，后续是否续期暂无定论。\n　　“车贷七年期，（部分）银行停掉了，然后这两天（融资）租赁公司据传也要求停掉了。”一位股份制银行汽车金融人士向记者透露。\n　　小米汽车的一位销售人员给记者展示了其内部通知：接银行侧政策调整通知，6-7年期产品可能随时停止受理（全行业事件），最多做到4月30日。\n　　另一位专门负责某新势力车企的银行相关负责人告诉记者，“7年低息，我们行之前上架过一段时间，后来停掉了，其他行还在做，现在是有说要停7年低息的产品，具体什么时候停还不知道。”\n　　2026年开年，车企掀起“7年低息”促销潮。如特斯拉、小米、小鹏、理想、吉利银河、岚图等车企陆续推出“7年低息”金融方案，打破了传统新车车贷1-5年的常规期限，以低月供、低首付为核心卖点。除特斯拉明确和中信、浦发两家银行合作，而其他多家车企多与厂家金融、融资租赁公司合作。\n　　当时，一位汽车金融资深人士便告诉记者，“风险较大，审批尺度也蛮严的，所以（当时）部分地区没批下来银行做‘7年低息’。”\n（小米汽车销售人员提醒记者相关长周期低息产品将下架）\n　　“七年低息”政策，多车企暂延至4月底\n　　今日，记者咨询多家车企销售人员并查询各车企官网发现，多家车企“七年低息”政策将在2026年4月30日（含）前截止，后续是否续期暂无定论。\n　　根据小米汽车上述销售人员给记者展示的内部通知，要求：“新增客户：大家尽快邀约客户PUSH本月消化（锁单立刻做贷款审批，以审批通过为准），后续没有7年方案，客户月供更高转化难度更大；存量客户：想做7年的也尽快提交银行审批锁定贷款的额度和7年方案。”\n　　另一位特斯拉销售人员告诉记者，“自己并未收到内部相关通知，但特斯拉‘七年低息贷款方案’确实也是执行到2026年4月30日，后面还有没有不确定。”特斯拉“七年低息贷款方案”的合作金融机构为中信银行、浦发银行。\n　　记者查询特斯拉官网发现，特斯拉“限时低息贷款方案A/B”（即“七年低息贷款方案”）明确标注：2026年4月30日（含）前购买指定版本Model Y后轮驱动版、长续航后轮驱动版/全轮驱动版、ModelY L，并按订单中条款和条件提车，符合申请资质的客户可申请上述金融特惠方案。\n　　但记者也注意到，特斯拉其他金融方案的截止日期同样是2026年4月30日（含）。上述销售人士告诉记者，“这是特斯拉正常的调整。”\n（图源：特斯拉小程序）\n　　同样推出“七年低息”购车方案的理想汽车，其销售人员告诉记者，“目前我们的‘七年低息’政策还在待定，还没有确定的截止日期，和易鑫金融还是可以做的，但目前易鑫也在待定，下个月情况不太确定。”理想汽车的“七年低息”金融方案由易鑫金融提供，主要为融资租赁模式。\n　　另外，小鹏汽车官网显示：“限时6-7年低息方案”年费率1.67%（与其他限时权益二选一）首付15%起，小鹏融资租赁提供，有效期为2026年4月2日至2026年4月30日（以定金支付时间为准）。\n　　小鹏汽车的一位销售人员告诉记者，“自己目前并未收到相关通知，因为我们也是每个月都会变，但是我们没有接到通知说（七年低息）4月底就结束。”\n（图源：小鹏汽车官网）\n　　更长周期、低首付车贷，金融机构风控压力陡增\n　　今年开年以来，超长周期低息车贷持续升温，特斯拉、小米、小鹏、理想、吉利银河、岚图等车企陆续推出“7年低息”金融方案，打破了传统新车车贷1-5年的常规期限，以低月供、低首付为核心卖点。\n　　东风日产更是将车贷“卷到”了8年。2026年2月4日，东风日产官方公布一购车政策，旗下天籁·鸿蒙座舱推出限时金融方案：0首付、8年超长低息贷款，日供低至55元。\n　　更长周期、低首付的贷款模式，让金融机构的风控压力陡增，对其风险评估、定价等核心能力提出更高要求。\n　　对银行而言，消费贷产品期限的拉长，意味着风险管理的覆盖周期需同步延伸；相对较低的首付，意味着银行不仅需要研判客户的短期还款能力，更要对其中长期偿付实力进行全面评估。\n　　“主要的难点包括缺乏长周期个人信用数据模型，以及抵押品后期残值评估和处置的难度增加。”惠誉评级亚太区金融机构评级董事薛慧此前告诉媒体。\n　　对消费者而言，随着贷款周期拉长、消费者还款不确定性加大等因素，银行等金融机构对消费者准入门槛也随之提高。\n　　还需注意的是，在车企公开的“7年低息”方案中，特斯拉明确和中信、浦发两家银行合作，而其他多家车企的多与厂家金融、融资租赁公司合作。\n　　对比商业银行，融资租赁公司的客户准入“更灵活”，但在“7年低息”方案中，部分车企旗下/合作的融资租赁公司也适当提高了准入门槛。\n　　但目前，采取融资租赁模式“买车”存在诸多“争议”，如车辆所有权、转移规则等问题。\n　　如易鑫金融相关工作人员曾向记者解释称，“我们的融资租赁产品是售后回租产品，车辆牌照登记在您名下，每月支付月供，车辆需抵押给我们，还款期满可取得车辆所有权。也不影响您申请国补、置换补贴等权益。”\n　　她还向记者强调，“融资租赁不等于租车，租车是汽车租赁公司将车辆租给您使用，客户支付租金，合同结束时，您还需将车辆归还给租赁公司。”\n　　但当记者追问，“所以我在贷款期间，车的所有权是属于你们公司的是吧，还完了才属于我？”上述工作人员回应称，“这样理解也可以。”\n　　因此，广东粤大律师事务所律师张帅提醒消费者购车时，需分清“贷款合同”“买卖合同”“融资租赁合同”，合同性质大不同。核心差异体现在车辆所有权的归属、转移规则等方面。\n　　张帅告诉记者，当消费者在采取“融资租赁”模式交易时，应当事前与融资租赁公司沟通，明确办理“融资租赁”需要承担的所有成本；在签订合同时应仔细阅读合同条款（尤其是车辆所有权归属、违约金、手续费等条款），对于不理解或有问题的条文，应当及时向融资租赁公司提出异议，避免遭受不必要的损失。\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：王馨茹","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.42.0","shortVersion":"4.42.0","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2629887521","isCrawlerRequest":true}