That's pretty weird lol. I can't even recreate it on my end, if I remove Future Fee on a loan offer, the installment disappears automatically.

It's just how they've labeled it. If they were paying anything up front, yeah it would fit under mandatory fee, but cause they want to pay all in installments - it all comes under that. 

Confused the shit out of me the first time.

Shouldn't there be a Mandatory/Optional Future Fee clause as well then?

A loan with monthly installments clause, not sure I've ever seen that before. Is it still a loan or a loan with transfer at the end?