告别“一锤子买卖”！特斯拉、小鹏、理想等品牌相继推出7年期超低息购车方案

华夏时报网01-26

2026年1月，中国新能源汽车市场以一场前所未有的金融战役拉开了序幕。1月22日，小鹏汽车正式宣布加入“7年低息购车俱乐部”，推出了覆盖全系车型的7年低息分期方案，将首付门槛降至15%起，月供最低只需1355元，创造了市场新低。这一激进策略彻底点燃了市场，也将这场由特斯拉在月初引爆的“金融战争”推向了白热化。　　半个月前，特斯拉率先打破常规，推出“特悠享”限时购车方案，为Model 3和Model...

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BGXL
01-26
BGXL
估计还是组合拳，低息多年打趴一遍，再加上低价款覆盖，没实力的话还真竞争不过。

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Y提供7年超低息贷款，年化利率仅为0.98%，首付7.99万元起，月供可低至1918元。这一利率不仅远低于传统的汽车消费贷款，甚至逼近了部分公积金贷款利率，瞬间重写了行业金融游戏的规则。紧接着，小米和理想汽车迅速响应，分别在1月15日和1月20日宣布跟进，形成了四大头部品牌激烈角逐的局面。　　这场看似只是降低月供的金融创新，实则折射出中国新能源汽车产业发展的深层变革。2025年，新能源汽车市场渗透率虽已突破45%，但销量增速从2024年的35.2%大幅放缓至18.7%。在增长动能转换的关键节点，车企之间的竞争已从续航里程、智能配置等产品层面的“军备竞赛”，全面升级至对用户购车决策模型的重构和金融生态的深度运营。　　全面跟进的差异化竞争　　在政策推出后，《华夏时报》记者走访了几家新能源汽车展厅，发现一个显著变化。销售人员的核心话术已经从续航里程和车辆配置，转变为月供数字。在北京一家小鹏汽车体验中心，销售人员对记者表示：“您看的这款MONA M03，指导价是11.98万元，现在首付仅需1.8万元，分84期还款，月供1355元，这相当于每天只要45元，比您打车上下班的费用要低。”　　这种从“产品参数导向”到“财务方案导向”的转变，正在全国各地的汽车展厅同步上演。在特斯拉体验店，销售顾问王女士告诉记者，她现在大部分时间都在解释各种金融方案。“很多客户原本计划全款购车，但当了解到年化利率仅0.98%时，他们会重新考虑资金的使用效率。”　　值得一提的是，不同品牌在销售策略上呈现出鲜明差异。理想汽车的销售团队更侧重家庭财务规划，销售人员向记者分享道：“我们不只是谈论月供数字，而是帮助客户制定7年期的家庭资产配置方案。特别是对选择L9、i8等高配车型的客户，我们会引导他们关注资金的时间价值和机会成本。”　　据业内人士透露，多家头部车企在政策推出前组织了全国销售团队的紧急培训，重点并非产品知识更新，而是金融方案讲解技巧和用户财务规划方法。“我们需要确保每位销售都能用通俗语言解释年化利率、等额本息、残值风险这些专业概念，甚至能根据客户的家庭收支状况提供定制化的金融建议。”　　市场反应的积极变化直观验证了销售策略转型的有效性，在周末，多家品牌展厅内人流明显增加，不少消费者是专门为详细了解7年期金融方案而首次进店咨询。这种基于长期财务规划的新型购车模式，正在吸引一批过去因一次性支付压力而犹豫的潜在客户。　　更深层次的影响在于，一份长达七年的金融合约，从根本上重构了销售人员与客户之间的关系性质。一位拥有十年经验的资深销售顾问坦言：“合约签署远不是服务的终点，而是一段长期关系的起点。我们现在必须思考的是，如何在未来84个月里，持续为客户提供价值、维护良好的体验。因为客户在这七年里的每一次充电、每一次保养、每一次软件更新体验，都会累积成对品牌的整体印象，这直接决定了贷款周期结束后，他是否还会选择我们的品牌，以及会向多少朋友推荐我们。”　　这种从“交易达成”到“关系运维”的转变，正在强力推动整个汽车销售体系从传统的一次性交易模式，向以用户全生命周期为中心的持续服务模式转型。销售人员的工作重心，正从短期内促成单次销售，延伸到长期内培养客户忠诚度与品牌信任。这要求企业不仅在前端提供有竞争力的金融产品，更需要在后端构建一套覆盖用车全周期、能够持续创造触点和价值的服务体系，从而将一次购车行为，转化为一个长效用户运营的开端。　　金融战逻辑与行业展望　　当销售一线用低月供吸引消费者时，车企高层则在下一盘更大的棋。小米集团董事长雷军在直播中坦言决策过程，特斯拉政策一出，我的微博评论区涌入数千条询问“小米是否跟进”的留言。我们团队讨论后，最终决定推出应对方案。值得一提的是，除了7年低息之外，小米汽车此前还为小米YU7提供了3年0息的购车政策。　　理想汽车方面对记者进一步阐释了其金融政策的战略考量，强调此次行动并非短期促销，而是一次重构用户购车体验的体系化布局。“我们推出免息与低息政策，核心目标是消除用户在拥有理想汽车过程中的关键决策障碍。通过提供长达7年的分期方案，理想汽车能够将月度还款金额显著降低至与传统家庭消费预算更匹配的区间。”　　这场金融战表面上是利率和月供的竞争，实质上是资金成本和融资能力的较量。汽车行业观察员赵永琪对《华夏时报》记者指出：“特斯拉、理想、小鹏等头部新能源车企在资本市场拥有较强融资能力，他们的资金成本比传统车企低1—2个百分点。在7年周期中，这一微小差异会形成显著竞争优势。”资金成本的优势使得头部车企能够承担更激进的金融政策，而这一优势又将进一步扩大市场占有率，形成强者愈强的循环。　　从行业格局看，这场金融战正在加速市场洗牌。赵永琪分析道：“资金实力较弱的品牌很难跟进长期低息方案，可能被迫退出主流市场竞争。未来三年，市场集中度将显著提高，头部企业的份额可能增长15—20个百分点。”这一过程将推动资源向更具创新能力和资金效率的企业集中，促进整个行业的升级。　　值得一提的是，消费者在这场金融战中也变得更加理性和成熟。互联网从业者张先生表示：“我会仔细计算7年总成本，而不仅仅是月供数字。”家庭用户刘女士则更关注长期价值：“我需要综合考虑月供、利息总额和7年后的车辆残值。”这些理性的声音反映了市场教育的成果，也促使车企提供更加透明和可持续的金融方案。　　在赵永琪看来，这场7年低息金融战可能只是汽车产业变革的序章。随着技术迭代加速和商业模式创新，汽车金融可能呈现更多样化形态。残值保障产品可能成为新竞争焦点，弹性还款方案可能满足不同收入群体的需求，而“汽车订阅服务”可能彻底改变车辆拥有和使用方式。这些创新将共同推动汽车产业从制造业向服务业转型，车辆本身不再是主要利润来源，而是连接用户与增值服务的入口。（文章来源：华夏时报网）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"productRelease","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[{"id":525798786577912,"gmtCreate":1769395519609,"gmtModify":1769395522405,"author":{"id":"3487707251567403","authorId":"3487707251567403","name":"BGXL","avatar":"https://static.tigerbbs.com/c2c9fd6c5bac5e2062ea56a3ee503a9e","vip":1,"crmLevel":4,"crmLevelSwitch":0,"idStr":"3487707251567403","authorIdStr":"3487707251567403"},"htmlText":"估计还是组合拳，低息多年打趴一遍，再加上低价款覆盖，没实力的话还真竞争不过。","listText":"估计还是组合拳，低息多年打趴一遍，再加上低价款覆盖，没实力的话还真竞争不过。","text":"估计还是组合拳，低息多年打趴一遍，再加上低价款覆盖，没实力的话还真竞争不过。","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/525798786577912","repostId":2606267406,"repostType":2,"repost":{"id":"2606267406","kind":"news","pubTimestamp":1769393019,"share":"https://www.laohu8.com/m/news/2606267406?lang=zh_CN&edition=full","pubTime":"2026-01-26 10:03","market":"us","language":"zh","title":"告别“一锤子买卖”！特斯拉、小鹏、理想等品牌相继推出7年期超低息购车方案","url":"https://stock-news.laohu8.com/highlight/detail?id=2606267406","media":"华夏时报网","summary":"2026年1月，中国新能源汽车市场以一场前所未有的金融战役拉开了序幕。1月22日，小鹏汽车正式宣布加入“7年低息购车俱乐部”，推出了覆盖全系车型的7年低息分期方案，将首付门槛降至15%起，月供最低只需1355元，创造了市场新低。这一激进策略彻底点燃了市场，也将这场由特斯拉在月初引爆的“金融战争”推向了白热化。","content":"<div>\n<p>2026年1月，中国新能源汽车市场以一场前所未有的金融战役拉开了序幕。1月22日，小鹏汽车正式宣布加入“7年低息购车俱乐部”，推出了覆盖全系车型的7年低息分期方案，将首付门槛降至15%起，月供最低只需1355元，创造了市场新低。这一激进策略彻底点燃了市场，也将这场由特斯拉在月初引爆的“金融战争”推向了白热化。　　半个月前，特斯拉率先打破常规，推出“特悠享”限时购车方案，为Model 3和Model...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202601263630316820.html\">网页链接</a>\n\n</div>\n","source":"stock_eastmoney","collect":0,"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\" 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href=http://finance.eastmoney.com/a/202601263630316820.html><strong>华夏时报网</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>2026年1月，中国新能源汽车市场以一场前所未有的金融战役拉开了序幕。1月22日，小鹏汽车正式宣布加入“7年低息购车俱乐部”，推出了覆盖全系车型的7年低息分期方案，将首付门槛降至15%起，月供最低只需1355元，创造了市场新低。这一激进策略彻底点燃了市场，也将这场由特斯拉在月初引爆的“金融战争”推向了白热化。　　半个月前，特斯拉率先打破常规，推出“特悠享”限时购车方案，为Model 3和Model...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202601263630316820.html\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LU2756315664.SGD":"ALLIANZ INCOME AND GROWTH \"AMI\" (SGDHDG) INC","LU1435385759.SGD":"Natixis Loomis Sayles US Growth Equity RA SGD-H","BK4533":"AQR资本管理(全球第二大对冲基金)","BK1539":"汽车股","TSLP":"TSLA收益溢价策略ETF-Kurv","BK4516":"特朗普概念","LU1629891620.HKD":"ALLIANZ INCOME AND GROWTH \"AMG2\" (H2-HKD) INC","LU2326559502.SGD":"Natixis Loomis Sayles US Growth Equity P/A SGD-H","TSLQ":"2倍做空TSLA ETF-Tradr","TSLA":"特斯拉","BK4592":"伊斯兰概念","IE00BSNM7G36.USD":"NEUBERGER BERMAN SYSTEMATIC GLOBAL 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M03，指导价是11.98万元，现在首付仅需1.8万元，分84期还款，月供1355元，这相当于每天只要45元，比您打车上下班的费用要低。”　　这种从“产品参数导向”到“财务方案导向”的转变，正在全国各地的汽车展厅同步上演。在特斯拉体验店，销售顾问王女士告诉记者，她现在大部分时间都在解释各种金融方案。“很多客户原本计划全款购车，但当了解到年化利率仅0.98%时，他们会重新考虑资金的使用效率。”　　值得一提的是，不同品牌在销售策略上呈现出鲜明差异。理想汽车的销售团队更侧重家庭财务规划，销售人员向记者分享道：“我们不只是谈论月供数字，而是帮助客户制定7年期的家庭资产配置方案。特别是对选择L9、i8等高配车型的客户，我们会引导他们关注资金的时间价值和机会成本。”　　据业内人士透露，多家头部车企在政策推出前组织了全国销售团队的紧急培训，重点并非产品知识更新，而是金融方案讲解技巧和用户财务规划方法。“我们需要确保每位销售都能用通俗语言解释年化利率、等额本息、残值风险这些专业概念，甚至能根据客户的家庭收支状况提供定制化的金融建议。”　　市场反应的积极变化直观验证了销售策略转型的有效性，在周末，多家品牌展厅内人流明显增加，不少消费者是专门为详细了解7年期金融方案而首次进店咨询。这种基于长期财务规划的新型购车模式，正在吸引一批过去因一次性支付压力而犹豫的潜在客户。　　更深层次的影响在于，一份长达七年的金融合约，从根本上重构了销售人员与客户之间的关系性质。一位拥有十年经验的资深销售顾问坦言：“合约签署远不是服务的终点，而是一段长期关系的起点。我们现在必须思考的是，如何在未来84个月里，持续为客户提供价值、维护良好的体验。因为客户在这七年里的每一次充电、每一次保养、每一次软件更新体验，都会累积成对品牌的整体印象，这直接决定了贷款周期结束后，他是否还会选择我们的品牌，以及会向多少朋友推荐我们。”　　这种从“交易达成”到“关系运维”的转变，正在强力推动整个汽车销售体系从传统的一次性交易模式，向以用户全生命周期为中心的持续服务模式转型。销售人员的工作重心，正从短期内促成单次销售，延伸到长期内培养客户忠诚度与品牌信任。这要求企业不仅在前端提供有竞争力的金融产品，更需要在后端构建一套覆盖用车全周期、能够持续创造触点和价值的服务体系，从而将一次购车行为，转化为一个长效用户运营的开端。　　金融战逻辑与行业展望　　当销售一线用低月供吸引消费者时，车企高层则在下一盘更大的棋。小米集团董事长雷军在直播中坦言决策过程，特斯拉政策一出，我的微博评论区涌入数千条询问“小米是否跟进”的留言。我们团队讨论后，最终决定推出应对方案。值得一提的是，除了7年低息之外，小米汽车此前还为小米YU7提供了3年0息的购车政策。　　理想汽车方面对记者进一步阐释了其金融政策的战略考量，强调此次行动并非短期促销，而是一次重构用户购车体验的体系化布局。“我们推出免息与低息政策，核心目标是消除用户在拥有理想汽车过程中的关键决策障碍。通过提供长达7年的分期方案，理想汽车能够将月度还款金额显著降低至与传统家庭消费预算更匹配的区间。”　　这场金融战表面上是利率和月供的竞争，实质上是资金成本和融资能力的较量。汽车行业观察员赵永琪对《华夏时报》记者指出：“特斯拉、理想、小鹏等头部新能源车企在资本市场拥有较强融资能力，他们的资金成本比传统车企低1—2个百分点。在7年周期中，这一微小差异会形成显著竞争优势。”资金成本的优势使得头部车企能够承担更激进的金融政策，而这一优势又将进一步扩大市场占有率，形成强者愈强的循环。　　从行业格局看，这场金融战正在加速市场洗牌。赵永琪分析道：“资金实力较弱的品牌很难跟进长期低息方案，可能被迫退出主流市场竞争。未来三年，市场集中度将显著提高，头部企业的份额可能增长15—20个百分点。”这一过程将推动资源向更具创新能力和资金效率的企业集中，促进整个行业的升级。　　值得一提的是，消费者在这场金融战中也变得更加理性和成熟。互联网从业者张先生表示：“我会仔细计算7年总成本，而不仅仅是月供数字。”家庭用户刘女士则更关注长期价值：“我需要综合考虑月供、利息总额和7年后的车辆残值。”这些理性的声音反映了市场教育的成果，也促使车企提供更加透明和可持续的金融方案。　　在赵永琪看来，这场7年低息金融战可能只是汽车产业变革的序章。随着技术迭代加速和商业模式创新，汽车金融可能呈现更多样化形态。残值保障产品可能成为新竞争焦点，弹性还款方案可能满足不同收入群体的需求，而“汽车订阅服务”可能彻底改变车辆拥有和使用方式。这些创新将共同推动汽车产业从制造业向服务业转型，车辆本身不再是主要利润来源，而是连接用户与增值服务的入口。（文章来源：华夏时报网）","news_type":1,"symbols_score_info":{"TSLP":0.6,"EVS.SI":0.6,"TESL":0.6,"TSYY":0.6,"TSLA":1.95,"TSLS":0.6,"XPEV":1.91,"TSLY":0.6,"02015":1.88,"TSDD":0.6,"09868":1.91,"TSLZ":0.6,"07766":0.6,"TSLG":0.6,"CRSH":0.6,"TSLQ":0.6,"TSLT":0.6,"TSLI":0.6,"LI":1.88,"TSL":0.6,"TSLW":0.6,"TSLR":0.6}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"}],"isCommentEnd":false,"newsSizeData":{"likeSize":1,"commentSize":1,"repostSize":1,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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