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Why is the loan amount calculated by car home different from that calculated by 4s store?
Because the calculated interest rate is different from the base.

Generally, when calculating the car loan, the loan interest rate and loan base calculated by each financial service center are different, so the loan amount will be different in the final loan. Secondly, when buying a car loan, some financial service centers will calculate the buyer's loan amount according to the ex-factory price of the car, while others will calculate the loan amount according to the discounted price of the car after negotiation between the buyer and the seller, so there will be differences.

It is suggested that before buying a car with a loan, it is best to inquire about the loan interest rate in detail, calculate the loan base, and try to choose the lowest interest rate that suits you.