⚠️ Draft article — written to lay the page out, not checked against a current price list. Replace before launch.
A post-handover plan is the most effective sales tool a developer has, and it works because it is presented as an absence: no interest, no bank, no approval. What it actually is, is a price. It is simply charged somewhere other than the line marked interest.
Where the cost hides
Compare two price lists for the same building — one for a cash buyer, one on a sixty-forty plan running three years past handover — and the gap between them is the financing charge, embedded in the headline price. That is not a scandal; it is how the product is priced. It only becomes a problem when a buyer treats the plan as free and does not compare it with the alternative.
The comparison that matters
The honest test is simple: take the cash price plus a mortgage on the balance, and take the plan price with nothing borrowed. Run both to the same end date. Sometimes the plan wins, comfortably. Sometimes it loses by a margin that would have paid for the furniture. You cannot know which without asking for both price lists, and a developer will give you both if you ask.
There is a second consideration nobody raises at the sales desk: a post-handover plan ties you to the unit. You cannot sell cleanly until the developer's balance is settled or the buyer agrees to assume it, and the pool of buyers willing to assume someone else's schedule is smaller than the pool with cash. If there is any chance you will exit inside five years, price that in.
