<p>特斯拉正在收紧其在中国的融资策略，取消了其最激进的购车激励之一，因为贷款方对长期汽车贷款的担忧日益加剧。</p>
<p>根据在 <em>微博</em> 上发布的关于这家汽车制造商最新促销活动的新细节，特斯拉已取消其七年低利率贷款选项。更新后的激励计划适用于 2026 年 5 月 31 日之前下的订单，现在为 Model 3、Model Y 和 Model Y L 提供五年零利率融资计划。</p>
<p>通过五年计划，买家仍然可以享受相对较低的月供，但需要比之前更高的首付承诺和更短的还款期限。</p>
<p>虽然长期融资选项不再可用，但公司也为寻求更多灵活性的买家提供了较低利率的融资选项，期限从一年到五年不等，首付低至 45,900 元（9,200 加元/6,700 美元）。</p>
<p><img src="https://imageproxy.pbkrs.com/https://driveteslacanada.ca/wp-content/uploads/2026/04/tesla-china-promotions-473x1024.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://driveteslacanada.ca/wp-content/uploads/2026/04/tesla-china-promotions-473x1024.jpg"/></p>
<p><img src="https://imageproxy.pbkrs.com/https://driveteslacanada.ca/wp-content/uploads/2026/04/tesla-promotions-chinese-473x1024.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://driveteslacanada.ca/wp-content/uploads/2026/04/tesla-promotions-chinese-473x1024.png"/></p>
<p>虽然这些长期融资计划在加拿大是熟悉的，但在中国并没有存在很长时间。今年 1 月，特斯拉成为该国首家推出七年贷款选项的汽车制造商，此举旨在降低月供并刺激在通常销售较慢的时期的需求。</p>
<p>这一策略迅速在行业内传播，竞争对手如小米、比亚迪、蔚来等纷纷推出类似的长期融资优惠，甚至有些还推出了零首付选项。</p>
<p>然而，融资竞争似乎正在降温。最近的报告显示，中国的金融机构正在收紧对超长期汽车贷款的监管，理由是与延长还款期限相关的风险上升。银行和租赁公司据说对准确评估借款人长期信用 worthiness 的难度以及管理车辆残值的挑战表示担忧。 <em>(via CNEvPost)</em></p>
<p>因此，预计特斯拉不会是唯一取消七年计划的公司，其他汽车制造商也预计会效仿，一些贷款方已经停止了审批。</p>

1.25 倍做多特斯拉 ETF - GraniteShares

TESL

2 倍做多特斯拉 ETF - Leverage Shares

2 倍做多特斯拉 ETF - Direxion

2 倍做多 TSLA ETF - GraniteShares

2 倍做多 TSLA ETF - T-Rex

<p>特斯拉因贷款规则收紧已在中国取消了七年低利率贷款选项。新的融资计划为 Model 3 和 Model Y 提供五年零利率的方案，但要求更高的首付款。此变化发生在金融机构对长期汽车贷款加强审查之际，令借款人的信用状况和车辆残值引发担忧。其他汽车制造商预计也将效仿特斯拉，停止类似的长期融资选项</p>

<p>Tesla is dialing back its financing strategy in China, removing one of its most aggressive purchase incentives as pressure mounts from lenders wary of long-term auto loans.</p>
<div class="lb-trans"><p>特斯拉正在收紧其在中国的融资策略，取消了其最激进的购车激励之一，因为贷款方对长期汽车贷款的担忧日益加剧。</p>
</div><p>According to new details about the automaker’s latest promotional campaign published on <em>Weibo</em>, Tesla has removed its seven-year low-interest loan option. The updated incentive program, which applies to orders placed before May 31, 2026, now offers a five-year, zero-interest financing plan for the Model 3, Model Y, and Model Y L.</p>
<div class="lb-trans"><p>根据在 <em>微博</em> 上发布的关于这家汽车制造商最新促销活动的新细节，特斯拉已取消其七年低利率贷款选项。更新后的激励计划适用于 2026 年 5 月 31 日之前下的订单，现在为 Model 3、Model Y 和 Model Y L 提供五年零利率融资计划。</p>
</div><p>With the five-year plan, buyers can still access relatively low monthly payments, but only with higher upfront commitments and shorter repayment timelines than before.</p>
<div class="lb-trans"><p>通过五年计划，买家仍然可以享受相对较低的月供，但需要比之前更高的首付承诺和更短的还款期限。</p>
</div><p>While the long-term financing option is no longer available, the company is also offering lower-interest financing options for buyers looking for more flexibility, ranging from one to five years, with down payments as low as 45,900 yuan (C$9,200/US$6,700).</p>
<div class="lb-trans"><p>虽然长期融资选项不再可用，但公司也为寻求更多灵活性的买家提供了较低利率的融资选项，期限从一年到五年不等，首付低至 45,900 元（9,200 加元/6,700 美元）。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://driveteslacanada.ca/wp-content/uploads/2026/04/tesla-china-promotions-473x1024.jpg" alt="" original-src="https://driveteslacanada.ca/wp-content/uploads/2026/04/tesla-china-promotions-473x1024.jpg"/></p>
<p><img src="https://imageproxy.pbkrs.com/https://driveteslacanada.ca/wp-content/uploads/2026/04/tesla-promotions-chinese-473x1024.png" alt="" original-src="https://driveteslacanada.ca/wp-content/uploads/2026/04/tesla-promotions-chinese-473x1024.png"/></p>
<p>While these long-term financing plans are familiar for Canadians, they haven’t been around for long in China. In January, Tesla became the first automaker in the country to introduce a seven-year loan option, a move designed to reduce monthly payments and stimulate demand during a typically slower sales period.</p>
<div class="lb-trans"><p>虽然这些长期融资计划在加拿大是熟悉的，但在中国并没有存在很长时间。今年 1 月，特斯拉成为该国首家推出七年贷款选项的汽车制造商，此举旨在降低月供并刺激在通常销售较慢的时期的需求。</p>
</div><p>That strategy quickly spread across the industry, with competitors like Xiaomi, BYD, NIO, and others rolling out similar long-term financing offers, with some even pushing zero-down-payment options.</p>
<div class="lb-trans"><p>这一策略迅速在行业内传播，竞争对手如小米、比亚迪、蔚来等纷纷推出类似的长期融资优惠，甚至有些还推出了零首付选项。</p>
</div><p>However, the financing battle appears to be cooling off. Recent reports indicate that financial institutions in China are tightening oversight on ultra-long-term auto loans, citing rising risks tied to extended repayment periods. Banks and leasing firms are said to be concerned about the difficulty of accurately assessing borrowers’ long-term creditworthiness, as well as the challenges of managing vehicle residual values over extended timeframes. <em>(via CNEvPost)</em></p>
<div class="lb-trans"><p>然而，融资竞争似乎正在降温。最近的报告显示，中国的金融机构正在收紧对超长期汽车贷款的监管，理由是与延长还款期限相关的风险上升。银行和租赁公司据说对准确评估借款人长期信用 worthiness 的难度以及管理车辆残值的挑战表示担忧。 <em>(via CNEvPost)</em></p>
</div><p>As a result, Tesla is not expected to be the only one to remove their 7-year plans, and other automakers are expected to follow suit, with some lenders already halting approvals.</p>
<div class="lb-trans"><p>因此，预计特斯拉不会是唯一取消七年计划的公司，其他汽车制造商也预计会效仿，一些贷款方已经停止了审批。</p>
</div>

由于贷款规则的收紧，特斯拉在中国取消了 7 年期融资