(1) If we participate in interest-free activities, some 4S stores may force us to buy insurance in 4S stores. In the past two years, the insurance amount will be about 5000 yuan more than our full payment or interest loan.

(2) charging fees in disguise. Take buying a car with a price of 654.38+10,000 yuan as an example, and paying a down payment of 30,000 yuan with a loan of 70,000 yuan, then the handling fee is about 3,000 yuan.

(3) Individual 4S stores will be bundled for sale. To participate in the interest-free service, you must purchase a car decoration package. Often these bags cost several hundred yuan, and then they are sold to you for several thousand yuan.