Two units in the same tower can have very different all-in costs depending on the payment plan. Headline price is a marketing number. Cash-flow timing is the investment.
Construction-linked plans
You pay as the building rises. This is usually the cleanest structure, provided the milestones are defined (plinth, floors, structure, finishing, possession) and not left to the developer’s discretion. Ask what happens if a milestone is skipped or delayed.
Time-linked and “flexi” plans
Instalments due on calendar dates, regardless of construction progress, transfer construction risk to you. They can look cheaper monthly and cost more if the project slips.
Subvention and possession-linked schemes
The developer or a bank services interest for a period. Read who pays if possession misses the date, whether the rate resets, and whether you are locked into a particular lender. “Pay 10% now, rest on possession” is not free money — it is priced into the unit.
A working comparison
Discount every future instalment at a conservative cost of capital, add stamp duty and GST, and compare net present cost across plans. The cheapest brochure is often not the cheapest purchase. We run this arithmetic with clients before they book, not after.
This insight is for general information and does not constitute investment advice. Speak to a Right Buy advisor for guidance specific to your circumstances.
