For example, the car price is 43.5w, 60% down payment is 26. 1w, the loan is 17.4w, and the annual interest is 1.65, which is 34w. Error in calculation method: loan 17.4w, interest10.65w, and monthly payment of 5292 yuan. After calculation, the annual interest rate is 9.5% and the annual interest rate is 3. 16%. It looks too cheap. If you do this, you will be trapped. This is the problem. Wait for interest. The monthly repayment is based on the interest owed 17.4w, but you owe more and more money every month. Even if you only owe 5000 yuan in the last month, you still have to pay the interest of17.4w. The annual apparent interest rate of 12 is 3. 16%, and the real interest rate of 5.98% is 9.5%, and the real interest rate of 17.95%. If other financial service fees, PGS fees and unnecessary insurance items are included, the annual real interest rate is counted as financial service fees and PGS, and there is no need for compulsory insurance. If the total cost is 7,000 yuan, the interest rate for three years and 36 installments will reach 27.44%, but the interest rate is more difficult for 4S stores and has nothing to do with loan financial institutions, so I won't go into details. But for individuals, the real interest rate is 27.44%.