I want to buy a Kia K2 with my down payment, and I want to borrow money to buy a car. Ask if the loan can be directly mortgaged by car, and nothing else.
Personal car loans are generally only secured by cars. But if your conditions can't meet the requirements of the bank, then other guarantees or mortgages may be added. In addition, some banks can pay in installments by credit card. I suggest you contact the car dealer. They all cooperate with banks. You can ask what the terms are.