I appreciate your question, but I must be direct: the statute excerpts provided do not contain the actual text of the sections, only their headings and section numbers. Without the substantive provisions themselves, I cannot reliably explain how hire purchase works under Zambian law.
To give you an accurate answer citing the Hire-Purchase Act with confidence, I would need the full text of key sections such as Section 3 (Interpretation - which would define "hire-purchase agreement"), Section 13 (Appropriation of payments), Section 25 (Initial payments), and other operative provisions. The headings alone tell me what topics are covered, but not what the law actually requires.
I recommend consulting the complete Hire-Purchase Act directly, or contacting the Zambian Law Development Centre or a qualified legal practitioner who can access the full statutory text. This will ensure you receive accurate guidance on hire purchase mechanics, buyer protections, seller remedies, and payment obligations under Zambian law.