Thank you Resonator,
so you don't split your payment, do you? If I get it, they expect the whole sum in one solution only, it's just that your payment is delayed.
If this is the case, we don't have such a formula in Italy (in Europe?)
What I frequently see (for cars only tho) is that you can pay in instalments delaying the first one (for example "buy it today, you start pay in 3 months").