That doesnt make much sense, we never pay everything at once anyways, all the transfers are done in installements, take a look at all our transfers in the last ten years and you'll see that they are all done over 3 years.
The point of the loan+option is that it gave you another yearly installement, so you could do it over 4 years instead of 3. So what is the deal with co-ownership? Does it give you an extra year, like 3 for the first part + 3 foor the second, or what? BEcause if its only two installements, thats less than we usualy do.