The honest math of «1% per month»

The three plan families

Construction-linked (60/40, 70/30, 80/20). You pay the first number through construction, the second at handover. The bigger the second number, the easier your cash flow — and usually the higher the price per foot.

Fractional monthly («1%/month»). A down payment of 10–25%, then a fixed monthly fraction. Danube popularized it; Samana stretched it to 75 months running past handover. It replaces a mortgage without interest or bank approval.

Post-handover plans. 2–5 years of payments after keys. You can rent the unit out while still paying the developer — rent covers part of the schedule.

What «no interest» really costs

Developers price plans in. A generous post-handover schedule typically trades at a 5–15% premium per square foot against a construction-linked plan in the same district. That is not a scam — it is the cost of financing, moved into the price. The comparison that matters: plan premium vs. what a mortgage would cost you — and for most non-residents, mortgage rates plus fees still lose to a clean 1% plan.

Three numbers to check in any schedule

1. Cash to keys: how much you must pay before handover — this is your real entry ticket
2. Cliff payments: single instalments above 10% mid-plan — they break budgets more often than the total does
3. Clawback window: what happens to paid money if you exit early — terms differ sharply by developer