There won't be free food these days, and the installment of 39,800 won't be the total price you finally use, but there will be. Because installment involves loans, if there are loans, it proves that there are many different fees, not counting interest and handling fees. Insurance, delivery fee and deposit are all hedged. Finally, these additional prices alone will cost tens of thousands.
People who buy cars, whether new or used, are willing to pay customers in installments. As long as the car is sold to you, whether it is paid in installments or in one lump sum, the car shop will make a lot of money. User loans are banks or financial institutions, as long as the loans are established. Customers don't have to owe money to the car shop, all the money is owed to banks and financial institutions.
One-time payment is generally car price+purchase tax+compulsory insurance. You can install a license plate, and then commercial insurance depends on how much you want to buy. However, buying a car by stages is different. What kind of insurance you want and how much you pay for it are up to you. In the end, all the things you want to buy are bought, and the car shop will make a fortune in insurance.
The truth is, when buying a car or a luxury car, it is ok to pay by installment if you are psychologically prepared, because the down payment is really not that much, and it will not take up a lot of money. You just need to buy a daily car and try to pay it in one lump sum. Buying a car by stages, miscellaneous fees will make your mind swell, and finally waste tens of thousands of dollars, which is absolutely unaffordable.