May I interrupt for a bit and a while? Bro muller, from my personal experience working in automotive industry as financing exec, most of S.A are like that. They wanted to squeeze every bit of your wallet using whatever means neccessary. With all do respect to all dealers / S.A's, i believe if one wants to buy a car, please come straight to the bank with all your documentsand so on so we can proceed directly with your financing and so on. Not that I said we bankers are saints, but we are tied to BAFIA act, so we can't take any commission whatsoever from your financing. In fact, the more transparent breed of us will try to hook u up with the best offer + discounts (if available) for u, the potential customer. Mind u that different banks have different financing policy, so u can select the bank that suits your financial needs the best. Let me remind u, most of S.As have income up to 5 digits per month, not just by selling a new car to u, but also sold your old, traded in cars. And if this kind of service have become so common, you know what to do. Peace out!