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总结
《华盛顿邮报》专栏讨论美国汽车金融中84个月等超长期车贷走热的现象：在车价与利率抬升下，买家为压低月供被迫拉长期限，但本金摊还慢、总利息更高，车辆折旧又快，导致即便“有贷款买车”也更像在长期租车。报道还提到负资产换车增加，一些消费者在置换时把旧车欠款滚入新贷款，债务可达数千至上万美元、月供逼近1000美元，令“倒挂”更常见、转手困难并放大违约风险，并建议提高首付、缩短期限、避免叠加旧债。
正文
Column | Why you may just be renting your car even if you have a loan The Washington Post Why 84-month car loans are surging and what it means for buyers USA Today Underwater car trade-ins are on the rise - and drivers owe a record amount, Edmunds finds CNBC New car payments soar to $1,000 a month. Here's how Long Islanders can save money. Newsday Some Drivers Are Rolling $15K In Debt Into Their Next Car Without Realizing Carscoops
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