Begin with the complete schedule.
A label that names a percentage split describes a split, but it does not explain when each payment falls due. Request the full schedule, including booking, dated instalments, construction milestones and completion payments.
Translate percentages into amounts.
Use the illustrative calculator below to see the principal amounts behind a split. It does not describe an offer and excludes fees, financing costs and other charges. Replace the example with verified terms when assessing a real property.
ILLUSTRATIVE PAYMENT SPLIT
Example only. Excludes fees, finance costs and other charges; does not show instalment dates.
Check what changes the timing.
Clarify whether a payment is tied to a date or a construction milestone. Ask how the developer communicates those milestones and what the contract says about payment timing. Keep funds for additional costs separate from the property instalments.
Keep the final payment in view.
A lower initial commitment can leave a substantial balance later. Consider how you would fund that amount without assuming a future resale or a financing approval. Obtain qualified advice where the decision depends on lending or contractual terms.
For general orientation. Confirm project-specific information and obtain qualified advice where needed.
Discuss your property brief