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徐潇潇　　2026年开年，特斯拉、蔚来、小米等车企发起“7年超低息”车贷竞赛。近期，东风日产推出“0首付，8年贷”方案，让竞争愈发激烈。　　从传统的1至5年期到如今的7至8年期，这场看似“普惠”的营销背后，是车企在新能源渗透率突破54%的市场变局中的焦虑和突围。然而，当贷款期限超越产品换代周期，当车辆残值难抵未还贷款，在“低月供”的诱惑之下，一系列隐忧也悄然浮现。　　车贷期限“卷”到8年　　2月

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