2, but correspondingly, you have to earn your money by adding parts and insurance (adding parts and insurance can be much cheaper to buy outside). If you want a loan, you must apply for it from a financial company in a 4s shop. You can't choose your own bank and earn another sum from interest or handling fees.
If you can't accept it, then I won't sell the car to you or I can't sell it to you at a relatively cheap price.
4. Generally speaking, it is a conditional discount. Believe that there is no pie in the sky, and there is no bargain.