The Case Against the Off-Plan Discount
Buying off-plan is not a discount. It is a loan you are making to a developer, and it should be priced and secured like one.
When you buy off-plan, you hand a developer money for something that does not exist yet. That is a loan. The "discount" is your interest, and the collateral is whatever the contract says it is — often nothing.
Ask three questions
What happens to my money if the project stops? Who holds the title, and when does it transfer to me? What is the remedy if delivery is late by a year?
A developer who cannot answer all three in writing is not offering you a discount. They are offering you risk with a number attached.
How we structure it
Staged payments tied to verified construction milestones, documented title, and a written delivery remedy. It is a less exciting sales pitch and a considerably better deal.
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