Developer payment plans provide an accessible, interest-free pathway to acquire off-plan properties by spreading capital commitments across the construction timeline.
Paid upon reservation to execute the Sales and Purchase Agreement (SPA) and register initial title documents. Typically 10% to 20%.
Staged tranches payable as verified building progress occurs (such as foundation, structural completion, and exterior glazing).
The remaining balance paid upon project completion and snagging approval. Can be funded in cash or converted into a residential bank mortgage.
| Plan Archetype | Initial Deposit | During Construction | On Handover | Best Suited For |
|---|---|---|---|---|
| 60/40 Construction-Linked | 10% | 50% (linked to building milestones) | 40% (on key handover) | Buyers wanting payments paced with construction progress |
| 50/50 Handover Structure | 20% | 30% (phased across construction) | 50% (on key handover / mortgage eligibility) | Investors seeking to fund the final tranche via bank mortgage |
| 70/30 Extended Installment | 10% | 60% (equal quarterly tranches) | 30% (on key handover) | Purchasers preferring lower final balloon settlement requirements |
Principal & interest payment per month
Estimate only. Real offers depend on your lender and specific profile underwriting.
Our property consultants analyze your capital timeline to pair you with developments that offer sustainable milestone structures.