HNB + Toyota Lanka's new bundled lease deal — convenience or a locked-in price?

HNB Finance and Toyota Lanka signed an MoU this week (announced 26 October) offering a joint leasing package for new Toyotas and Toyota Sure certified used vehicles: free vehicle registration, an engine-and-gearbox warranty for 3 years or 100,000km, plus a few free services thrown in. On paper it sounds like a one-stop deal — financing and the car from one handshake, with perks that would normally cost you separately. The case for it: bundled deals like this can genuinely lower your total cost of ownership, and having the dealer and lender aligned means fewer surprises with paperwork and valuations. The case against: once you're inside a dealer-tied lease, you've got no real leverage to shop other banks or finance companies for a better rate, and 'attractive rates' from a press release is not the same as the lowest rate on the market that day. If you've taken a dealer-bundled lease before — Toyota or any other brand — did the perks actually beat going to your own bank or a leasing company directly, or did you end up paying for 'free' benefits through the interest rate? Numbers welcome. ඇත්තටම සල්ලි ඉතුරු වෙනවද, නැත්නම් වට කරලා තියෙනවද?