- The off-plan standard is ~30% down, with the rest in instalments tied to construction stages.
- Act-based payments mean money moves only after verified progress.
- The plan is interest-free. It is the developer's financing model, not a loan.
- Final 10% at the acceptance act aligns everyone's incentives to finish well.
An off-plan purchase in Bali is not “pay everything and hope”. A proper contract spreads the price across construction stages, and each payment falls due only after a signed act of completed work. Your money literally follows the concrete.
How the schedule looks
A typical DOMA schedule runs like this. Deposit to reserve the unit → 30% at contract signing (construction starts) → three stage payments against work-completion acts (up to ~90%) → final 10% at the acceptance act, together with leasehold registration. Between payments you receive photo, video and drone reports every two weeks.
Why it protects you
Act-based structure inverts the usual risk. A delay costs the developer money, not you. If a stage is not delivered, your payment simply does not fall due. Combined with an audited document pack (KKPR/PBG/SLF), this is the safest mechanism available in the off-plan market.
FAQ
Is the instalment plan really interest-free?
Yes, it is the market standard for Bali off-plan. The price is the price, just split across stages.
Can I pay faster?
Usually yes, by agreement. Some buyers prepay stages to simplify transfers.
What happens if I stop paying?
The contract defines exit terms. Typically the unit returns to sale and payments are settled per the contract. Read this clause before signing, ours is explicit.