If the 230,000 yuan received by 4S is given to you in your own name, that is the total amount. For example, if you get 6,543.8+10,000 yuan in cash through the bank's credit line, then use a credit card to swipe 6,543.8+03 million yuan and pay 654.38+ 00 yuan in cash to the 4S shop, which is the full amount. If you apply for a consumer loan of 654.38+10,000 yuan from the bank, you can swipe your card at the 4S shop130,000 yuan.