Buying property in Nairobi no longer has to mean paying the full amount upfront. One of the biggest advantages of off-plan developments is the flexibility they offer, allowing buyers to secure a unit with a deposit, typically 20%, and spread the balance over the construction period.
This makes property ownership more accessible for both local and diaspora buyers while giving you time to plan your finances comfortably.
How Off-Plan Payment Plans Work
Once you select a unit, you pay a 20% deposit to reserve it. The remaining balance is then spread across the construction period, which usually runs between 24 to 36 months, depending on the project.
Payments are commonly structured as:
• Monthly instalments
• Quarterly instalments
• Or milestone-based payments aligned with construction progress
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Why Developers Offer Flexible Payment Plans
Developers use structured payment plans to make projects attractive to a wider pool of buyers while maintaining steady cash flow during construction.
For buyers, this means:
• Lower upfront financial pressure
• Predictable instalments
• Time to benefit from capital appreciation before completion
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Who Benefits Most from These Payment Plans?
Local buyers
Flexible instalments help manage cash flow without draining savings or business capital.
Diaspora buyers
Spreading payments allows time to plan remittances, manage exchange rates, and invest back home with less pressure.
Investors
Early entry often comes with lower prices, making it easier to exit or rent out at completion.
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What You Must Review Before Committing
Before signing any agreement, make sure you clearly understand:
• The full payment schedule and dates
• The expected completion timeline
• Penalties for late payments
• Any early-payment discounts
• Exit or resale options during construction
Clarity here protects you from surprises later.
Why Working With the Right Agent Matters
A trusted agent helps you look beyond the deposit figure. They assess whether the instalments match your income, explain the legal terms clearly, and help you compare different projects objectively.
This is especially important if you are buying off-plan for the first time or purchasing from abroad.
Thinking of buying off-plan but unsure which payment plan suits you best?Reach out on WhatsApp and we’ll guide you through available projects, timelines, and payment options that match your budget and goals.