A mortgage and a car loan are both amortized loans. The core math is similar, but typical term lengths and rates change the monthly payment and how much interest you pay.
Same engine, different settings
Both often use the EMI-style amortization formula. What differs is the loan size, the annual interest rate, and the term (months).
Why mortgages feel interest-heavy early on
In long-term loans, interest dominates early payments because the remaining balance is large. As the balance shrinks, interest decreases, and more of each payment goes to principal.
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Compare outcomes using Mortgage Calculator () and Car Loan Calculator (/tools/car-loan-calculator).