If you would like to have a low monthly instalment, you can do so by paying a higher down payment at the start of the contract. This reduces the total charge to be paid right at the beginning, which has a positive effect on the level of individual instalments.
If you lack such financial means at the outset but expect to have them in the future, balloon financing is the best type of financing for you. This financing type offers low monthly instalments and a higher final instalment. You can find more information in the following paragraph.