Cryptic crossword clue
Payment in instalments — a fool assumes it is at random 12

The most common and most likely answer to this crossword clue is the 12 letter word AMORTISATION

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Buddy explains!

The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does AMORTISATION mean?

AMORTISATION noun
  1. The reduction of loan principal over a series of payments.
  2. The distribution of the cost of an intangible asset, such as an intellectual property right, over the projected useful life of the asset.

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