7年低息贷“退场”，特斯拉再推弹性贷：月供低、但尾款更高

21世纪经济报道05-14

车企纷纷下架7年低息车贷方案后，特斯拉中国又推出一款限时低息弹性贷款方案。　　5月13日，特斯拉中国宣布针对Model 3、Model Y及Model Y L多款车型推出一款限时低息弹性贷款方案，即“轻松贷”，活动截止日期为2026年5月31日。　　“这两天基本都是订这个方案的。”一位特斯拉销售人员向21世纪经济报道记者介绍称，以Model 3后轮驱动版为例，如果获批5年期“轻松贷”方案，总车价为...

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payment","themeId":null,"isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/dbffcb0c9b1a415f940381f67d0dc6e8","symbols_score_info":{"TLA":0.6,"TSLR":0.6,"TSLY":0.6,"TSLT":0.6,"CRSH":0.6,"AMZN":0.6,"NVDA":0.6,"GOOG":0.6,"07766":0.6,"META":0.6,"TSYY":0.6,"AAPL":0.6,"TSLG":0.6,"TSL":0.6,"TEST":0.6,"TSLO":0.6,"TSLA":1.96,"TSLQ":0.6,"TSII":0.6,"TSLZ":0.6,"TESL":0.6,"TSDD":0.6,"TSLP":0.6,"TSLS":0.6,"TSLI":0.6,"MSFT":0.6,"TSLW":0.6},"content_text":"车企纷纷下架7年低息车贷方案后，特斯拉中国又推出一款限时低息弹性贷款方案。　　5月13日，特斯拉中国宣布针对Model 3、Model Y及Model Y L多款车型推出一款限时低息弹性贷款方案，即“轻松贷”，活动截止日期为2026年5月31日。　　“这两天基本都是订这个方案的。”一位特斯拉销售人员向21世纪经济报道记者介绍称，以Model 3后轮驱动版为例，如果获批5年期“轻松贷”方案，总车价为23.55万元，首付5.59万元起，叠加8000元保险补贴，五年月供约2193元，年利率约为0.99%，尾款约为45500元。　　“5年后如果车卖10万元，尾款是4万多，每月相当于用2193元租了一辆车。”上述销售人员告诉记者，“按照资金利用率、投资角度来看，这个方案划算。”　　记者注意到，目前特斯拉正重点宣传“轻松贷”金融方案的“低首付、低月供、低利息、高保值”特点，但需要特别注意的是，这也是一款“高尾款”贷款产品。　　这意味着，购车者在前期分期偿还本息，剩余本金到期一次偿还。因此，购车者应基于个人和家庭需求，合理评估偿还能力，理性申请购车贷款。 　　低月供但高尾款，需合理评估个人还款能力　　“这个方案是不是前期看起来没啥还款压力，但尾款一次性要掏很多？”当记者咨询销售人员时，他回复“是的，这是一款‘ABA’还款模式的车贷，是由首付+低月供+尾款三段还款构成的，首付和尾款占总车价比例相近。”　　横向对比特斯拉中国目前力推的三款购车金融方案，能明显看出“轻松贷”的“高尾款”特点。目前，特斯拉中国还有5年0息、5年低息购车金融方案可供选择。　　举例来看，以Model 3后轮驱动版为例，如果选择“5年0息”方案：购车首付7.99万元起，贷款金额为15.56万元，年化利率为0%，月供约2594元。这款方案的最大特点是高首付，但购车总成本低，无利息。　　如果选择“5年低息”方案：首付4.59万元起，贷款金额为18.96万元，年化利率为0.92%，月供约3240元。这款方案的特点是首付低但月供偏高。　　如果选择“轻松贷”方案：首付5.59万元起，贷款金额为17.96万元，年化利率为0.99%，月供约2304元，尾款比例约为20%。　　对比之下，“轻松贷”方案的月供最低，但年化利率较高且尾款比例也是三者中最高的。（备注：上述贷款方案测算未包含任何补贴金额）　　尾款较高，5年后是否“车不值债”？　　选择尾款比例较高、期限较长的购车方案，不仅需要合理评估个人长期还款能力，也需要关注汽车的保值率，如果5年后车价低于车贷尾款，会出现“车不值债”的情况。高保值率的车型能适当减少车主因车辆贬值而带来的经济损失。　　长期以来，新能源汽车平均保值率低于燃油车。但根据中国汽车流通协会发布的《2026年4月中国汽车保值率研究报告》，4月新能源品牌保值率有所上扬：4月保时捷、特斯拉保值率回升；零跑、比亚迪、理想、极氪等自主品牌保值率涨幅靠前（均为三年车龄的保值率）。 （图源：中国汽车流通协会）　　目前，在纯电车型中，特斯拉三年车龄保值率较为坚挺。记者在第三方平台查询，多款特斯拉Model 3（2021款，标准续航后驱升级版），车龄5年、里程数在6至7万公里，二手车售价约为11万元。　　“你开满5年可以把车卖掉，特斯拉保值率较高，5年后大概能卖到10万元左右，这笔钱不仅能覆盖尾款，甚至能覆盖首付。”上述销售人员向记者极力推荐“轻松贷”方案。　　从年初的7年低息车贷到特斯拉推出“轻松贷”，国内车市“价格战”持续白热化，车企以“金融让利”替代直接降价，提高购车吸引力。　　5月11日，乘联会公布的数据显示，2026年4月全国新能源乘用车零售84.9万辆，同比下降6.8%，环比微降0.3%；1-4月累计零售275.8万辆，同比下降17.2%。同期燃油车零售仅53万辆，同比暴跌37%，环比下降33%。　　从月度新能源车国内零售份额看，4月自主品牌新能源车零售份额65.2%，同比下降7.2%；主流合资品牌新能源车份额4.9%，同比增长1.7%；新势力份额25.6%，其中特斯拉份额3.1%，同比下降0.1%。（文章来源：21世纪经济报道）","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; 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