Die Geissens Real Estate has negotiated exceptional terms for selected properties: 20% at the start and 80% only at key handover. Under special 20/40/40 offers, a further 40% continues in instalments after handover while the property can already be occupied or rented.
In a property purchase, the price is only one part of the opportunity. For investors and owner-occupiers, it is just as important to understand when each portion becomes payable. This is where exceptional payment plans reveal their full strength: they provide access to a desirable property while preserving financial flexibility for the years ahead.
Die Geissens Real Estate has agreed special 20/80 payment plans with selected developers. The principle is as simple as it is powerful: 20% is paid at the start, no further purchase-price instalments follow during construction, and the remaining 80% becomes due only at key handover.
Under a traditional off-plan schedule, a large portion of the purchase price is paid during construction. A common illustration is 70/30: 20% at the start, a further 50% in construction instalments and 30% at handover.
A 20/80 plan moves the decisive part of the payment to the end:
This combines early access to a selected development with an unusually long period of financial flexibility. The detailed split of the initial 20% and any project-related fees are set out in the applicable reservation form and Sale and Purchase Agreement.
€ 100,000 at the start
€ 400,000 at key handover
€ 100,000 at the start
€ 250,000 during construction
€ 150,000 at key handover
The major difference: under the 20/80 structure, € 250,000 remains freely available for longer during construction.
Illustrative example based on a purchase price of € 500,000; the specific project terms prevail.In the example, both structures begin with € 100,000. Under a conventional 70/30 schedule, a further € 250,000 is paid as construction progresses. Under 20/80, that same € 250,000 remains under your control until handover.
During construction, this liquidity may continue to:
You therefore secure a specific property today while gaining several years to structure the majority of the purchase price in the way that suits you best.
Off-plan investments can be especially compelling when a strong unit is secured early in the sales cycle. As the project is built, the building, community and surrounding area continue to develop. An attractive early position can therefore create valuable opportunities over the years leading to completion.
A 20/80 payment plan enhances this potential: participate in the project with 20% while the remaining 80% is deferred until handover. This links potential property appreciation with a highly efficient capital structure.
Many off-plan projects permit a purchased unit to be transferred to a new buyer before completion. This creates an attractive strategic option: secure a selected unit today and, in line with the applicable developer and SPA rules, market it again before the major balance becomes due.
Desirable layouts, strong orientations, exceptional views and attractive early entry prices may become increasingly compelling to new buyers as the project progresses. Die Geissens Real Estate can reposition the unit, approach prospective buyers and coordinate the transfer with the developer and all parties.
Some developers go one step further with a post-handover payment plan. One of the most attractive structures is 20/40/40:
Under this structure, 60% has been paid by handover. The remaining 40% continues after the property has already been received. This is the special leverage: the unit can already be occupied or rented during the post-handover payment phase.
€ 100,000 at the start
€ 200,000 at key handover
€ 200,000 after handover in the agreed instalments
Instead of € 400,000 at handover, € 200,000 is initially due in this example. The remaining € 200,000 is spread across the post-handover period.
The duration and frequency of instalments vary by developer, project and unit.After key handover, the property can begin generating rental income in line with its completion and lettability. This ongoing income may cover all or part of the post-handover instalments. The property can therefore start working economically while part of the purchase price continues in planned instalments.
This makes 20/40/40 particularly attractive for rental investors: the payment plan extends into the operating phase and connects the acquisition directly with future cashflow from the unit.
20/80 and 20/40/40 plans create a wide range of opportunities. They are particularly attractive to buyers who:
The structure can also be attractive to owner-occupiers: secure the preferred home today and gain substantially more time to organise relocation, asset allocation and financing before key handover.
Many developers maintain a stable official purchase price and create additional appeal through the timing of payments. For buyers, this flexibility can have considerable economic value: the price remains transparent while the major capital deployment occurs much later.
20/80 and 20/40/40 are therefore far more than percentages. They reshape the timeline of the investment and expand the ways in which capital, financing, resale and future rental income can work together.
Die Geissens Real Estate does more than assemble a long list. We curate projects and units where the special payment plan is matched by a compelling property.
Experience, project concept, construction progress, community and planned handover.
Accessibility, infrastructure, lifestyle, rental appeal and long-term development of the area.
Layout, orientation, view, floor, outdoor areas and position within the development.
Clear transfer terms and a unit that can remain appealing to future buyers.
Rental prospects, expected demand and alignment with possible post-handover instalments.
Four details are enough to begin:
We then prepare a personal shortlist and present the units where purchase price, location, layout, payment plan and investment strategy work particularly well together.
Once the initial 20% has been reached, a genuine 20/80 structure has no further purchase-price instalments until key handover. The remaining 80% becomes due at the contractually defined handover.
Many projects allow a transfer before handover in accordance with the applicable developer and SPA rules. We review the terms for the specific unit and can support the later marketing and transfer process.
Depending on the buyer, project status, valuation and bank, financing at handover may be an attractive option. The extended period before completion allows the financing process to be prepared early and in a structured manner.
After handover, the property can be rented. The resulting cashflow can be directed towards the ongoing post-handover instalments and support the remaining payment phase.
The plans usually apply to selected projects, units or sales phases. The most attractive layouts and special allocations may be reserved quickly, which is why our property page is continuously updated with currently available opportunities.
Notice: All calculations are illustrative. Prices, payment plans, fees, handover dates, transfer terms and rental possibilities are specific to each project and unit. The current written developer documents and Sale and Purchase Agreement prevail.
