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To get there, you'll have to make bigger monthly payments or a large payment at the end.
Balloon payments are a large payment usually due at the end of the loan.
There is also a larger payment to the record company.
"But I cannot decree a larger payment for creditors or any payment for shareholders if the value is not there".
Then, you can make a larger payment if you want.
"Whether or not you put a large down payment or minimal down payment, what really matters is that you can actually afford the payment.
Water will keep your body well hydrated, as well as keeping you fuller so you do not have a large lunch beforehand.
Make a large down payment.
Offer a large down payment.
Save for a large down payment.
Refuse to give the painter a large down payment.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com