Car purchase price reduced, refuse balloon payment and just added policy

ABSA approved a vehicle finance deal for my VW that I am selling to a friend. It's a 2020 model car that has a full-service history and a VW maintenance plan. ABSA however refused to do a balloon payment - as per ABSA, a 2020 model car is too old to qualify for a balloon payment.

In addition, ABSA has also just reduced the selling price by R15 000 on their own and included an ABSA warranty policy of R13 000 without it being requested. Since when are financial institutions allowed to just add policies and reduce purchase amounts and select when to give or not give a balloon payment?