The factory (car manufacturer) gives a full discount. In this case, the price of the car will not be different from that of buying a car in full. However, it is necessary to apply for vehicle mortgage by credit card in stages, and it is necessary to pay mortgage registration fee (one hundred and two hundred yuan) and stamp duty (several dollars). At the same time, the bank will ask you to buy the vehicle insurance of the designated insurance company (or the designated insurance company, but the designated insurance type). For some car owners who don't buy commercial insurance on the road, this is an extra expense; The factory and the 4S store will get the same discount in proportion, or the 4S store will get a full discount. In this case, the discount will be reduced, because 4S stores have extra fees, as well as other fees, such as mortgage registration fees, stamp duty, insurance and so on. As long as it's installment (or mortgage), you can't deposit it.