What is the 10+10+80 payment plan when buying an apartment?

The 10+10+80 payment plan is one of the most popular ways to purchase a newly built apartment. It allows for installment payments, meaning the buyer does not need to have the entire amount available up front.

Under this model, payments are divided into three main stages, making the purchase significantly more affordable and convenient.
How are payments made under the 10+10+80 scheme?
The payment schedule is as follows:
10% upon signing the preliminary contract
10% during the construction phase (e.g., Act 14)
80% upon completion of the building (Act 16)
This means you can reserve your chosen apartment with just 10% and pay the majority of the amount only when you receive the keys.
How does the process work?
Reservation and Start
Once you’ve chosen an apartment, you sign a preliminary contract and pay the first 10%.
This guarantees that the apartment is reserved for you.
During Construction
Upon reaching a certain stage (e.g., Act 14), the next 10% is paid.
This way, you gradually contribute to the financing without having to pay a large sum all at once.
Completion and receiving the keys
The remaining 80% is paid upon completion of the building (Act 16).
This is when you actually receive your finished home.
What are the advantages?
Low initial threshold
You don’t need to have the entire amount available right away. Just 10% is enough to get started.
More time for planning
You have months (or even years) to organize your financing.Suitable for a mortgage loan
Many buyers use the time until completion to arrange bank financing for the final 80%.
Lower financial risk
The main payment is made once the building is already completed, and the risk is significantly lower.
Who is this scheme suitable for?
The 10+10+80 scheme is an excellent choice for:
• people who do not have the full amount available immediately
• buyers planning to take out a mortgage
• investors looking for flexibility
• families who want time to organize the next step
What is important to keep in mind?
Despite the advantages, always pay attention to:
• the developer’s reputation
• construction timelines
• the terms of the preliminary contract
Being well-informed is the key to a secure transaction.

The 10+10+80 scheme makes buying a home significantly more affordable and predictable.
It allows you to take the first step with a minimal investment and spread the main payment over time.
Your new home can start with just 10% today.