Interest is more troublesome to calculate. There are two ways to borrow money: one is to pay the same amount of principal and interest every month until it is paid off; Second, this repayment method in the average capital is to pay more principal, that is, the monthly repayment amount is different, with more at first and less later. This repayment method may be relatively stressful at first, which is suitable for customers who repay in advance. The average capital repayment loan is slightly less than that of average capital and interest. There is a troublesome way to calculate interest. As for the loan procedure, it should be handled in the way of "looking for the bank first and then looking for the car dealer". Now, many car dealers will urge banks to lend money to car buyers to promote their cars. In this case, the information of the buyer is different from that of the 4S store. It is not clear which fees are necessary and which are mandatory. The so-called "discount" you may enjoy is just a cover-up Therefore, car buyers can look at the car from the dealer, go to the bank to ask about the loan, and then go to the 4S shop to buy a car. The information imbalance has been broken, you can understand it well, you can negotiate with dealers or enjoy more specific offers.