Even if the car loan is three years, the interest rate will be 8-9%, and the mortgage you borrowed in 2007 is estimated to be discounted. Even without discount, the interest rate is around 6.5%. It must be the full amount of the car, and the mortgage remains cost-effective. In addition, you have to pay a certain fee and evaluation fee for your new car loan; Therefore, no matter how it is calculated, it is still cost-effective to buy a car in full. 170,000 yuan car, car purchase tax, insurance, licensing fee, etc. It was also in the early 2W, so 200,000 yuan was just right.