There is no difference in repayment methods between automobile mortgage directly handled by banks and automobile mortgage handled by auto financing companies.
Easy Loan China's "Buy a Car Easy Loan" has never been used by anyone. Please ask someone else to answer it.
The cost of general mortgage is 5 points. In fact, the mortgage company will only charge a little deposit or 1-2 points. You can bargain with the car company to get a loan.