How to read an off-plan payment plan like an analyst.

Instalments, post-handover terms and fees, modelled against your cash flow.

A payment plan is a financing product dressed as a brochure. 60 / 40, 70 / 30, post-handover instalments — each number moves your effective entry price, your cash exposure and your exit window.

Model the instalments against your own cash flow, then against a realistic delay. A plan that looks generous at reservation can become expensive if the handover slips two quarters and the rental income you counted on starts late.

Fees matter as much as the split: registration, service charges from handover, and any transfer restrictions before completion. We put all of it on one page before a client signs anything.