在2025年问题2中,26%以上的新汽车交易有负股权,将借款人推入更深的债务。 Over 26% of new car trade-ins in Q2 2025 had negative equity, pushing borrowers into deeper debt.

在Q2 2025年,26%以上的新车辆交易有负股权(四年来最高),意味着借款人所欠的债款超过其汽车的价值,其驱动力是高价格、不断上涨的费率和快速折旧。 Over 26% of new-vehicle trade-ins in Q2 2025 had negative equity—the highest in over four years—meaning borrowers owe more than their cars are worth, driven by high prices, rising rates, and rapid depreciation. 与典型的买主相比,这笔债务常常变成新贷款,使每月付款增加至平均915美元,总融资额为12 145美元。 This debt often rolls into new loans, increasing monthly payments to an average of $915 and total financing by $12,145 compared to typical buyers. 专家建议,在现有的车辆中停留更长的时间,在可能情况下进行再融资,或租赁以避免更深的债务,而预防战略包括购买旧的或经认证的预先拥有的,支付20%的首期付款,以及选择60个月或60个月以下的贷款期限。 Experts recommend staying in current vehicles longer, refinancing if possible, or leasing to avoid deeper debt, while prevention strategies include buying used or certified pre-owned, making a 20% down payment, and choosing loan terms of 60 months or less.