Core Viewpoint - Some 4S dealerships are allegedly misleading consumers by converting car loan agreements into financing lease contracts without proper disclosure, resulting in consumers paying more and facing difficulties in contract termination [1][7]. Group 1: Consumer Experiences - Mr. Ma purchased a second-hand car for 88,000 yuan with a down payment of 7,500 yuan and a loan of 80,500 yuan, only to discover he signed a financing lease contract instead of a loan contract, leading to an effective annual interest rate exceeding 20% [3][9]. - Mr. Song also faced a similar situation, where he realized the contract was a financing lease after receiving a notification, which included high penalties for early repayment [5][11]. - Mr. Xu successfully sued the dealership after discovering his loan agreement was actually a financing lease, highlighting the prevalence of such disputes [5][11]. Group 2: Industry Insights - Financing lease contracts are typically used for large commodity transactions and are not commonly suited for consumer car purchases, indicating a mismatch in consumer needs [6][12]. - The Shanghai Financial and Development Laboratory's deputy director emphasized that dealerships must clearly disclose key information such as annual interest rates and repayment terms to avoid infringing on consumer rights [6][12]. - The rapid signing of contracts without thorough reading, often due to small print and time constraints, poses significant risks to consumers, necessitating careful review of contract terms [6][12].