Regret Buying Car with this MFC

I bought a car with MFC around R190000 on the year 2019 around November with a very high intrest, During Lockdown I app**** for a freeze period wich was granted with the intrest attached. Upon reviewing the statement I realized I still have an oustanding balance of 250000 regardless they payments payed.

Currently my Landlord have gave me an offer to purchase his property which is a life time opportunity since it will be the first time buying property and a first time buyer, the car have now become a liability when it comes to affordability since I'm paying R4000 pm excluding insurance for Nissan Almera 2018 .

I contacted the bank to give me a Balloon and pay atleast half of the amount then later I when I'm done paying the installment I can settle the balloon and they refuse stating that I had a period break during pandemic...I mean that was beyond my limit it had to happen as country we were in a dire state and it was neccessary exercise that, again the was intrested occurred during that time it was not for free so I find that response merciles and insulting..

I asked to return the car instead since it is still in good condition as new and full service record and they gave me two options one where I must ask for settlement and second to return it and be ********ized

I know come to realize that the main aim of the institution is to indebts and ********ize and no intention to meet the client halfway to provide the solution, I regret buying the car with MFC and very disappointed with the institution and now stuck with the damn car for..