There is lot of models one here in different country could be: Down payment x000 Monthly payment for x months x00 And then final payment xx000 after x months

There is lot of models one here in different country could be: Down payment x000 Monthly payment for x months x00 And then final payment xx000 after x months. But the seller has calculated it as such that they can buy it back and get the more by selling it. So in the end "buyer" only pays for the depreciation and interest, which were low in previously. Much harder model now that cost of loaning has gone up. Quite a lot of people can afford to pay hundreds a month, even if that really doesn't make long term sense...