Is it normal to buy BYD loan with interest of 4000 plus service charge?

Normal. Financial service fee is interest. It is normal to buy a BYD loan with an interest of 4,000 for three years by other means. BYD Co., Ltd. was founded on 1995 and listed on the main board of Hong Kong on July 3, 2002. The company is headquartered in Shenzhen, Guangdong, China.