A post-handover payment plan lets a buyer continue paying instalments for a period after they have taken handover of the property and can occupy or rent it. Part of the price is deferred beyond completion rather than fully paid by handover.
Where you’ll see it
You’ll see post-handover plans offered by developers as an incentive, allowing buyers to move in or earn rent while still paying down the balance over an agreed term after handover.
Why it matters
These plans ease cash flow but extend the buyer’s commitment past completion. The terms — the remaining balance, the schedule, and how ownership or title is treated until the balance is cleared — should be understood before relying on the arrangement.
What it is not
A post-handover plan is not a mortgage from a bank; it is a deferred schedule agreed with the developer. It is also not a standard payment plan that ends at handover — its defining feature is that payments continue afterwards.
Example
A buyer takes handover of a completed apartment having paid part of the price, then continues paying the balance in instalments over the next two years under a post-handover plan while living in the unit.
Connected documents and parties
SPA, post-handover schedule, handover record; buyer, developer.
Going deeper: related reading: payment plan for the standard off-plan schedule.
Related Terms
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