Post-handover plans are marketed as flexibility. Sometimes they are. Here is how to tell.
A payment plan is a financing product presented as a convenience, and the headline split — 60/40, 80/20, post-handover over two years — tells you far less than it appears to.
The first thing to work out is what the plan costs relative to the same unit on a standard plan. Developers price flexibility, and it is frequently embedded in the headline figure rather than disclosed separately.
The second is what happens if the handover slips. Construction-linked milestones protect you; date-linked ones do not. That single distinction has caused more grief among our clients than any other clause.
The third is resale. Some developers restrict transfer until a percentage threshold is paid. If your plan is to exit before handover, that threshold is the plan, and everything else is detail.
None of this makes off-plan a poor decision. It makes it a decision that rewards reading the schedule properly before the reservation form, not after.