Help Me Decide: Ecosport 1.5 6PS Trend AT, Accent CRDI HB A/T, City 1.5E CVT or Mazda 2 Skyactive HB A/T

[dr. d]

Ford Makati offered me the Escape 1.6 SE Ecoboost at 0 DP (as in no cashout for the usual 20% DP financing scheme).

in the automotive industry, nothing is free, po.
so i wonder, how did the seller spread the downpayment, so's the buyer will feel he got a bargain?