@yakri. No words. It’s really scary how some pseudo home builders can’t tell interest and repayment apart.
I would advise you to first inform yourself on Wikipedia about the most important credit basics before bringing up your nonsensical banana comparisons, which are an insult to the intelligence of the readers.
Although I actually didn’t want to post anything more in this thread, I just want to briefly respond to the post.
It is completely fine if someone is not familiar with the subject matter and asks. I also have no clue about the inner workings of a car or construction (OK - now a little more) and some of my questions would make an experienced mechanic or construction worker pull their hair out.
However, if you ask for advice, you should also accept it or subsequently contribute to the question being answered. If several people write that more information is necessary for a meaningful answer, you should then provide this information accordingly.
Moreover, as many previous posters have written, it is more than sensible to at least partially engage with the subject. It is probably the biggest investment one makes in life. With an (for the average Joe) extremely high and long-term debt.
You should at least know (learn) the basic terms and understand what’s behind them. Otherwise, you might suffer the consequences yourself because you get financing that possibly doesn’t fit.