they started a similar thing in 1996 as well when the 2.0D was launched, it was on XE & I think 2.0D then, if its the same thing, then wat you do is that you pay 12k monthly as rent of the car & after 3 yrs you are given an option of either returning the car or pay the balance which is the cost of car today,
for eg.
car price 900,000
you pay 100,000 as down payment
balance 800,000
now you pay 12,000*36=432,000 over the duration of 3 yrs as rent of vehicle
after 3 yrs, you either return the car without getting anything (not even the 100,000 which you paid as d/payment) or you pay the remaining amount of today which is 800,000 then & keep the car...
in my opnion - "Ye awam ko "bananey" ka naya idea nikala hai Toyota indus ne"