If not, refuse to sign. If you have signed the contract, I suggest you negotiate with the 4S store. If you find any behavior that harms your own rights and interests, you can intervene through the industrial and commercial departments.

If you don't buy a car in the form of a loan, but 4s sales induce you to sign a loan contract, it is suspected of fraud and can be refused. Once the contract is signed, there is a problem with the repayment of the 4s shop in the later period, and you are the main responsible person.

Sales should be intentional in order to achieve the monthly loan target, and you can report it.