It's good to buy a car. From the perspective of capital utilization, mortgage interest is very low. Repayment in advance is not acceptable. The funds repaid in advance can be used for other investments. If you buy a car, the car loan interest rate is also very low, which is cost-effective. Generally speaking, it is not recommended to repay loans with an annualized rate of less than 5% in advance, because there are not a few investment and wealth management products with an annualized rate of more than 5% in the market.