Landlord, I have been paying attention to the installment car purchase discount recently. I also read the website of China Merchants Bank. I don't know if the place I saw is the same as yours. The advertisement above said that various hot-selling models of Dongfeng Da Yue Kia will be paid in installments. However, this is divided into specific periods. Take a closer look, only 12 has zero rate, and 24 K5 has 8.50% commission rate. I don't know what you mean by 7.20%, but it may be the commission rate of installment payment of other types of credit cards in China Merchants Bank. If the rate is 0, it is 80000/ 12=6666.67 yuan, which means that you only need to repay the principal of 6666.67 yuan every month. If it is divided into 24 installments, the monthly principal is 80000/24=3333.33 yuan, and the handling fee is 80000*8.50%=6800 yuan.

In addition, I recommend you that CCB also has a credit card to buy a car in installments. If you don't have his business card, you can fill out the application form directly in the 4S shop. At present, the handling fee rate of Dongfeng Da Yue Kia 12 is zero, and that of K5 24 is 6%. This is more cost effective than China Merchants Bank. 80000*6%=4800 yuan. You can compare which is more cost-effective.

The following figure 1 is the content of Kia car purchase staging activities intercepted by China Merchants Bank. Figure 2 is taken from the website of CCB. You can have a look.