Thank you for sharing the source! My friend is just planning to take out a loan for a car. Honestly, I dissuade him because I think that a loan is an unbearable burden for him.
In my opinion, it is better to save some money, and then multiply it and buy what you want. I have been listening to the advice of my financial advisor, who follows the fiduciary standard for several years. And he has never let me down yet. I managed to save up for a car, invest in the construction of my future apartment.
It is difficult now to understand the financial sphere yourself. A consultant is simply necessary.