ComBank-Toyota & HNB-BYD Leasing Tie-Ups: Best Rate or Golden Handcuffs?

This month Commercial Bank renewed its tie-up with Toyota Lanka, bundling a special leasing rate, free registration, three free services and a 3-year/100,000km warranty on new Toyotas, running till end of December. Around the same time HNB extended its own deal with John Keells CG Auto, offering up to 7-year leases, flexible residual value and a free credit card for BYD and Denza buyers. Dealers say these bundles beat anything you'd arrange yourself, since the manufacturer and bank split the cost of the perks. Skeptics say the real number is the effective rate over the full term, not the freebies up front, and that tying your financing to the dealer's partner bank kills your leverage to shop other lenders or haggle the car price down separately. If you've taken one of these dealer-bank leasing packages, any brand or bank, what rate and term did you actually land, and did you compare it against a plain bank lease first? Was the "free" first service really free, or did fine print attach conditions to it? මෙවැනි ඩීලර්-බැංකු ලීසිං පැකේජයක් ගත්තා අය, ඇත්තටම ලාබදායීද කියලා බලන් බැලුවද?