Rental with option to purchase
For 5% of the piano’s purchase price per month, you can rent the piano till you are ready to purchase it, in which case 2/3 of your current payments will be deducted from the piano’s total value.
Piano priced at £5,000, 5% of £5,000 = £250pcm. 2/3 of £250 is £165. 10 months of a recurring payment of £165 equates to £1,650 this amount will be deducted from the price of the piano leaving a total balance of £3,350 to pay of at the end of the period.