Takde duit takyah beli kereta, simple.

If no money, just buy something that you can afford. What's so difficult? 

Yes

because got rules saying that you cannot simply full loan on car

car dealer will "add" all accessories to compensate that 10% or close to 10%

then after gotten the loan with "90%" from bank

only belakang mari pusing the figure

if with eInvoice then harder to pusing because the price that issued included all accessories
simple example is

let say myvi is 48k OTR (max can loan is 44k)
then u want full loan
car dealer will issue you want to buy with shitload of accessories to make it to 52k (then loan 48k from bank)
after loan approved only magic the list
note: harder doesnt meant not possible

If no money, just buy something that you can afford. What's so difficult? 

Tis..n still possible wat. After einvoice..accessories out of stock so need to "refund" back to cus after all said n done.

E invoice or no e invoice an invoice is sent. And entered into the books of the company

So someone along the chain issuing fake invoices....

must buy H so can zut zut amoi ketiak juicy one...later can eat maggi