澳大利亚人和美国人面临不断上升的汽车债务,贷款创纪录,价格高,违约风险日益增加。 Australians and Americans face rising auto debt, with record loans, high prices, and increasing default risks.

澳大利亚人正面临着创纪录的汽车债务,2025年6月发放了49亿美元的汽车新贷款,平均每笔贷款46 583美元,每月还款703美元,因为汽车价格自2019年以来上涨近30 % 。 信用风险正在增加,汽车贷款拖欠率在2023年底达到1.36%,穆迪警告说,在生活成本压力下违约率会上升。 Australians are facing record car debt, with $4.9 billion in new auto loans issued in June 2025, averaging $46,583 per loan and $703 monthly payments, as car prices rose nearly 30% since 2019. Credit risk is increasing, with auto loan arrears at 1.36% by late 2023 and Moody’s warning of rising defaults amid cost-of-living pressures. 在美国,汽车贷款债务达到1.66万亿美元,接近2008年之前的水平,去年收回了160多万辆汽车,平均新车价格为50 469美元,每5辆旧车中就有1辆车的负股权超过10 000美元。 In the U.S., auto loan debt reached $1.66 trillion, delinquencies near pre-2008 levels, and over 1.6 million vehicles repossessed last year, with average new car prices at $50,469 and more than one in five used cars having negative equity exceeding $10,000. 分析员警告两国,由于高度依赖融资、价格上涨和经济紧张,承受能力风险日益增大。 Analysts warn both nations face growing affordability risks due to high financing reliance, rising prices, and economic strain.