DFCC's new 10-year Toyota lease: lower EMI now, 50% balloon due later — worth it?

DFCC Bank and Toyota Lanka just launched Sri Lanka's first 10-year lease for brand-new Toyota cars, with up to 50% residual value payable as a lump sum at the end. It cuts your monthly rental by roughly 20% compared to a normal 5-year lease. If you can't pay that lump sum when it's due, the bank will refinance it with a fresh 5-year lease. The case for it: lower monthly outgo now, more breathing room for a young family stretching to afford a brand-new car, and the option to refinance instead of a forced sale. The case against: by year 10 your car has lost most of its value, but you could still owe half its original price — and that "fresh 5-year lease" is really a second loan on a depreciating asset, stacking interest on interest for up to 15 years total. Would you take a 10-year lease with a balloon payment to get a lower monthly bill, or does that scare you more than it helps? If you've done a balloon/residual lease here, how did the final settlement actually go? මාසික වාරිකය අඩු කරන්න වර්ෂ 10ක lease එකක් ගන්නවාද, නැත්නම් අනාගතේ ඒක ලොකු බරක් වෙයිද?