I would need a software or a solution to automatically download files daily from my hosting to a computer into a specific folder.
If you are running a windows machine, Allway Sync may be a suitable answer. It supports FTP and SFTP for remote file access, along with folder synchronizing on local drives.
The software can be configured in so many different ways, with respect to synchronizing parameters. One can set a time period to check for changes, for example. The advantage of a synchronizing program is that once the main body of data is transferred, small changes to the remote site are reflected on the local level fairly quickly.