DFCC's 10-Year Toyota Lease Cuts Your Monthly Bill — Who Pays the Balloon at the End?

DFCC Bank and Toyota Lanka just launched Sri Lanka's first 10-year lease for brand-new Toyota passenger vehicles, with a residual value option of up to 50%. That means your monthly rental can run about 20% lower than a standard 5-year lease, but a large lump-sum payment falls due at year 10. Supporters say this finally brings a brand-new Toyota within reach for salaried buyers who could never stretch to a 5-year EMI, and if you can't settle the balloon you're allowed to refinance into a fresh 5-year lease instead. Critics say that's the trap hiding in plain sight — you could end up paying interest on one car for 15 years total, the refinance isn't guaranteed since it needs fresh approval and whatever rates apply then, and nobody knows if the car's resale value will even cover the residual by the time it's due. Would you take the longer lease for the smaller EMI, or stick to 5 years and own the car outright sooner? If you've done a long-tenure or balloon-payment lease here, what did the numbers actually look like when settlement time came? මාසික වාරිකය අඩු කළාට, අවසානයේ ලොකු මුදලක් ගෙවන්න ඕන නම් ඒක හරිම ගනුදෙනුවක්ද?