The factory (car manufacturer) fully subsidizes the interest. In this case, the car price will not be any different from if you buy the car in full. However, you need to apply for a vehicle mortgage in installments with a credit card, and you need to pay a mortgage registration fee (one Two hundred yuan) and stamp duty (a few yuan). At the same time, the bank will require you to purchase vehicle insurance with a specified type of insurance from a designated insurance company (or not specify an insurance company, but specify a type of insurance). For some car owners who do not buy commercial insurance and take compulsory insurance on the road, this is considered an additional expense; the factory and 4S store will subsidize the interest in proportion, or the 4S store will fully subsidize the interest. In this case, the installment is free because the 4S store has Additional expenses will generally reduce the discount or require you to purchase specified decorations. Other expenses such as mortgage registration fees, stamp duties, insurance, etc., you cannot save as long as it is an installment (or mortgage).