Cov Nqi Them Nqi Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Lij Tshaj Tawm Cov Nqi Them Nqi Them Nqi

Kev them nyiaj qiv tsheb txhua hli yog nyob rau hauv keeb kwm siab, cov nqi pauv txuas ntxiv nce thiab cov nqi ntawv nplaum tau poob lawv qhov cuam tshuam vim tias lub tsheb cov neeg yuav khoom lub hnab nyiaj tau raug walloped los ntawm cov teebmeem ntawm Covid-19 kev sib kis nrog rau cov khoom muag nyias, nce nyiaj txiag thiab cov paj laum. Cov xwm txheej no ua rau dampening tag nrho kev muag khoom pib, tab sis tshwj xeeb tshaj yog kev txais yuav tsheb fais fab.

Nws tsis yog txhua yam xov xwm phem. Kev lag luam-ins tau txais cov nyiaj tau txais txiaj ntsig los ntawm cov neeg muag khoom xav tau txhua yam los muag, tshwj xeeb tshaj yog nyob rau hauv qhov xav tau lig qauv tsheb thauj khoom thiab SUVs.

Nyob rau sab credit, cov neeg siv khoom thauj khoom tsis pom muaj kev tawm tsam. Raws li Q1 2022 TransUnion
TRU
Daim Ntawv Qhia Txog Kev Lag Luam Credit tso tawm lub lim tiam dhau los qhov nyiaj tshuav nruab nrab ntawm cov qiv tsheb tshiab tau mus txog $ 28,415 hauv thawj peb lub hlis twg ntawm lub xyoo no. Qhov ntawd yog ib xyoos ib zaug nce ntawm 15.2%. "Qhov no tau thawb qhov nruab nrab them nyiaj txhua hli ntawm kev yuav tsheb (nrog rau ob lub tsheb tshiab thiab siv) rau $ 458, qhov nce ntawm kwv yees li $ 100 nyob rau plaub xyoos," tsab ntawv ceeb toom tau hais.

"Peb yeej pom qhov sib txawv ntawm kev nce nyiaj nruab nrab txhua hli. Hauv thawj peb lub hlis twg ntawm 2022 tus lej ntawd tau nce txog $ 556 nyob rau nruab nrab, "Satyan Merchant, tus lwm thawj coj loj thiab tus thawj coj ua lag luam tsheb ntawm TransUnion hais rau Forbes.com. "Rau cov nyiaj tshiab tsheb tshiab qhov nruab nrab yog $651. siv, $490. Ob leeg txhua lub sijhawm siab. "

Ironically, cov feem pua ​​​​ntawm txhua xyoo (APR) ntawm kev qiv tsheb pib yog qhov tseeb hauv kev thim rov qab raws li Cov Tub Lag Luam uas tau sau tseg tias lawv tau nce siab nrog qhov nruab nrab ntawm 4% rau kev qiv tsheb tshiab thiab 8% rau kev siv nyiaj siv tsheb uas yog ob qho tib si qis dua APRs xyoo 2018. thiab 2019. Cov nyiaj them, txawm li cas los xij, tau dhau los ntawm cov neeg siv khoom nyiam rau cov nqi pheej yig thiab SUVs, Tub Lag Luam tau hais.

Nws cia siab tias APRs tuaj yeem mus rau sab qaum teb dua tom qab Tsoom Fwv Teb Chaws Reserve tau nce cov paj laum los ntawm ib nrab taw tes los pab txo qis nyiaj txiag.

Cov neeg siv khoom noj khoom haus nplua nuj ua ke nrog lawv txoj kev txaus siab them txhua yam nws yuav siv los tsaws lub tsheb ntawm kev xaiv tau ua rau tawg nrog cov neeg yuav khoom ib txwm sib tham them nqi hauv qab daim ntawv nplaum.

Rebecca Rydzewski, tus thawj saib xyuas kev tshawb fawb ntawm kev lag luam thiab kev lag luam kev pom rau Cox Automotive hais tias "Tau ze li ib xyoos tam sim no, peb tau pom cov tsheb tshiab hloov pauv saum toj no hais txog cov nqi muag khoom," tsab ntawv ceeb toom tsis ntev los no. "Tus nqi siab, tsis muaj cov khoom muag, ob peb qhov kev txhawb siab - kev ua lag luam hloov pauv, thawb ntau tus neeg yuav khoom mus rau sab nraud thiab yuam lwm tus xaj los ntawm cov khoom lag luam yav tom ntej thiab tos. Peb cia siab tias yuav muaj tsheb thauj khoom tshiab yuav yog qhov nyuaj rau yav tom ntej. "

Tseeb tiag, raws li Cox Automotive's Kelly Blue Book unit, tus nqi nruab nrab ntawm kev sib pauv tau teev nyob rau ntawm $ 46,526 nyob rau lub Plaub Hlis, raws li "cov neeg yuav khoom them nyiaj nruab nrab ntawm $ 862 saum daim ntawv nplaum."

Ib yam li automakers tab tom tsim hluav taws xob tsheb nyob rau hauv ntau yam ntawm lub cev qauv tsim kom muaj kev txaus siab rau cov neeg siv khoom, cov neeg siv nyiaj yuav tsum tau dai rau lawv cov roj hlawv ntev me ntsis.

"Qhov teeb meem ntawm no yog ib qho ntawm cov khoom siv thiab kev thov thiab qhov tseeb cov tsheb no raug nqi ntau dua los tsim, feem ntau vim yog cov nqi ntawm cov roj teeb," said Jesse Toprak, tus kws tshuaj ntsuam xyuas ntawm EV subscription provider. Yus Tus Kheej. "Kev pom ntev ntev yog tus nqi yuav poob qis thiab cov nqi them yuav pib erode tab sis qhov ntawd yuav siv sij hawm ntau xyoo. "

Rau cov neeg ntxhov siab tsawg kawg sim txav mus rau EV Autonomy muab kev tso npe rau Tesla
TSLA
Qauv 3. Tom qab tsawg kawg peb lub hlis, kev tso npe yuav yog ib hlis rau ib hlis. Cov neeg siv khoom muaj kev xaiv ntawm ob txoj kev them nyiaj - xws li $ 4,900 nqes thiab $ 490 ib hlis, lossis $ 990 nqes thiab them txhua hli ntawm $ 990.

Toprak hais tias nws yog ib txoj kev npaj zoo rau cov uas tsis paub meej tias lawv npaj txhij los hloov, hu rau EV subscription "ib qho kev sim txuas ntxiv."

Tab sis nws muaj kev ntseeg siab rau EV kev saws me nyuam, tshwj xeeb tshaj yog los ntawm cov neeg tsav tsheb ua haujlwm, los ntawm kev qhia txog Ford F-150 Lightning electric pickup truck, mus kom deb li deb hu nws "qhov tseem ceeb tshaj plaws kev taw qhia ntawm lub tsheb txij li Model T. ”

Nws qhov laj thawj? Kev thov rau cov neeg siv khoom hauv chav ua haujlwm yuav qhib lub khw tshiab loj txaus siab them tus nqi EV, yog tias, "peb tuaj yeem nqa ntu ntawd mus rau hauv EV fold thiab lawv pib pom qhov khoom no zoo kawg nkaus, tsis tas yuav siv $ 800 ib hlis. hauv roj, tab sis kuj yog kuv lub zog torque zoo dua, kuv qhov kev ua tau zoo dua. "

Tam sim no Autonomy tsuas yog ua haujlwm hauv California nkaus xwb tab sis Toprak hais tias lub tuam txhab tab tom nthuav dav nws thaj chaw pabcuam thiab npaj yuav nthuav dav nws cov kev pabcuam EV ib yam.

Cov xov xwm zoo me ntsis rau cov neeg siv khoom ntsib tus nqi nce thiab cov nqi qiv nyiaj yog lub tsheb lossis tsheb uas koj xav pauv yuav tsim nyog rau cov khoom muaj nqis.

Raws li kev tshaj tawm lub lim tiam no los ntawm kev lag luam tsheb hauv online Cars.com, cov tswv lag luam uas muaj ntau qhov chaw khoob hauv lawv cov ntau yog them nqi rau cov tsheb thiab cov tsheb thauj khoom kom puv lawv.

"Ib qho dhau 99% ntawm cov neeg lag luam tshawb fawb tau hais tias lawv tau them nyiaj ntau dua rau kev lag luam tam sim no ntau dua li ob xyoos dhau los; yuav luag 60% kwv yees qhov kev them nyiaj nce ntxiv ntawm 11% thiab 20%, thiab ntau dua ib ntawm peb tus tswv lag luam tshaj tawm tias them nyiaj ntau dua 20% ntau dua ob xyoos dhau los," Cars.com daim ntawv tshawb fawb pom.

Cov nyiaj ntxiv ntawd tsuas yog muab kev khawb txaus los ua viav vias lub log tshiab-tej zaum txawm tias ib qho uas khiav ntawm cov roj teeb.