OFF-PLAN
Post-handover payment plan
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A payment plan that continues after you receive the keys, for example 60/40 with the 40% paid over 2 to 5 years post-handover. You live in or rent out the property while still paying the developer, effectively interest-free developer financing.
The catch sits in the title: many developers hold the title deed, or register a lien, until the final instalment clears, which restricts selling and mortgaging meanwhile. Rental income covering the instalments is the standard investor play; check the numbers against registered rents, not the brochure’s.
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This explains the general case. If Post-handover payment plan has come up in a live deal of yours, talk to the team: specific answers, registered numbers, no obligation.