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Instalment sale agreement is the sale of movable property where payment towards the full retail price is paid out in regular payments over a maximum of 64 months. The possession and use of the property is immediately transferred to the buyer on full and final payment and when all the terms of the agreement have been met.
With a lease agreement you have the right to use the movable asset for an agreed period of time. During which, you are obliged to make payments for the use of the asset as set out in the lease agreement. You can choose to either extend the lease or take ownership once final payment is made depending on the terms of your lease agreement.