Toyota Leases Now Defer Up to 50% of the Cost to the End — Smart Deal or Trap?

Commercial Bank just renewed its tie-up with Toyota Lanka, and DFCC has its own 10-year scheme, both built around 'residual value' leasing: you defer 30-50% of the vehicle's price to the end of the term instead of paying it off monthly. The pitch is obvious — a Corolla Cross or Vitz that looked out of reach suddenly fits a normal salary, with free registration and services thrown in to sweeten it. The catch is just as obvious. That deferred chunk doesn't disappear — it's a lump sum due in one shot, years from now, on a car that's already lost value, against an income nobody can guarantee will keep up. Default near the end and you lose a vehicle you've been paying for the whole time, with little equity to show. Would you take a lower EMI today for a six or seven-figure bill at the finish line? If you've done a residual value or balloon lease, what did the numbers actually look like once you added it all up? ඔබ මේ වගේ ලීසිමක් ගත්තා නම්, අන්තිම ගෙවීම කොච්චර වුණාද?