Free Registration, Free Services — Is a Dealer-Tied Toyota Lease the Best Deal?

Commercial Bank and HNB Finance have both renewed or signed fresh leasing partnerships with Toyota Lanka this year (HNB Finance's deal was announced in late October). Buy or lease a new Toyota through these tie-ups and you get free registration, three free standard services, and the manufacturer's 3-year/100,000km warranty bundled in, on top of the bank's own rate and tenure terms. One side says this is free money: perks worth well over Rs. 100,000 that you'd pay for anyway, so why not take them if you're buying a Toyota regardless. The other side says it's a trap dressed as a gift: once you're locked into the dealer's preferred bank, you stop shopping around, and the "free" services and warranty are things a decent independent service centre or a different lease structure might beat anyway once you run the real numbers over 5-8 years. If you've taken one of these tied dealer-bank leases, or compared one against a walk-in lease at a different bank, what rate did you actually get, and did the freebies genuinely come out ahead once you added it all up? මෙහෙම dealer-bank ලීසින් ඩීල් එකක් ගත්තු කෙනෙක් ඉන්නවද? ඇත්තටම ලාබද බැලුවේ?