Advantages of Cash Payment
Paying cash typically earns you a 10%–20% discount off the unit price, immediately boosting your investment return. It also gives you negotiating power and speeds up registration procedures.
Advantages of Installments
Installments let you invest with limited liquidity while keeping the rest of your capital in parallel investments. With inflation, you end up paying with money that will be worth less in the future.
When to Choose Installments?
If the return on your other investments exceeds the implicit interest rate in the installment contract, installments are the mathematically smarter choice.
Our Recommendation
Each investor's situation is unique, but the general rule: if you're investing for long-term rental income, cash is better. If you're looking for a resale profit within 3–5 years, installments may make more sense.