Payment & finance
Property payment plans: what to check before comparing
BREKMEN decision guide · Published 8 October 2026
“Low down payment” and “many years of installments” describe only part of a purchase. The useful question is whether the full dated schedule fits the money you can commit, including the unusually large payments. Start with one specific unit and one written payment plan.
Identify what the percentages apply to
Confirm whether a quoted percentage uses the unit price before or after a discount, and whether the reservation payment is included in the contract down payment or additional to it. Ask for the currency, quotation date and expiry. Do not assume a payment plan advertised for a project applies to every building, phase or unit. Keep the plan identifier next to the selected unit.
List every deadline
A complete schedule identifies reservation, contract, periodic installments, any annual or balloon payment, delivery payments and mandatory charges. Record both the date and amount of each item. A monthly average is useful for initial planning, but it must not hide a quarterly or annual bill. If dates or amounts are missing, request clarification before using an affordability result.
Keep the purchase price separate from other costs
Check the written treatment of maintenance, parking, club access, utilities and any other stated mandatory charges. Some items may be optional; others may be required or due before handover. Ask the developer to distinguish these categories instead of assuming every brochure feature is included in the unit price. TMG, for example, operates a separate official maintenance and utilities payment channel; that does not establish the charges for your selected unit.
Compare the shortest and longest applicable plans
Compare total payable, money needed before delivery, the largest single payment and the dates of the last installments. BREKMEN shows a recorded plan only with its corresponding unit context. A calculator result is a reading of that schedule, not approval of financing or a substitute for the developer’s final documents. Keep the dated quotation for later confirmation.