Off-plan payment plans are marketed as a benefit, and they can be, but they are first and foremost a financing structure, and they deserve to be read as carefully as a loan agreement. The headline ratio is only the start.
A 60/40 plan means 60 percent is paid during construction and 40 on handover; an 80/20 front-loads more before completion. Post-handover plans stretch payments for years beyond delivery, easing cash flow but extending your exposure. DLD-fee waivers reduce upfront transaction costs, which can matter more than a small price discount.
Each structure shifts cash flow and risk in a specific direction. Front-loaded plans expose more of your capital before you hold a finished asset; post-handover plans keep cash in your pocket but tie you to the developer for longer. Neither is better in the abstract.
Read the plan against your own liquidity and your read on the developer. A generous plan from a developer with a weak delivery record is not a bargain, it is risk with a friendly schedule. The plan should ease a decision you are already comfortable with, never substitute for the underwriting.
Educational content for general guidance only. Not investment, legal or tax advice.
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