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List the payment events
Record reservation money, contract payment, instalments and the transfer balance. Show amounts already paid and how they are credited so that a deposit is not counted twice. Use the contractual triggers rather than only a salesperson’s estimated dates.
Match the funding
Identify whether each payment comes from available savings, expected income or a bank loan. Separate confirmed funds from pending approval. Bank disbursement has specific conditions; an approved or hoped-for amount is not necessarily cash available today. For foreign currency, allow for exchange and arrival time without treating an exchange-rate assumption as a prediction.
Address the weakest point
If regular instalments are affordable but the transfer balance is not, speak to the bank early or discuss a documented arrangement with the developer. Do not depend on a guaranteed future resale or letting. Update the plan when the contract or delivery timetable changes. Confirm whether payment dates also change rather than stopping payment on your own assumption.
As handover approaches, read Confirm Bank Loan Disbursement Before Handover.
Sources checked 4 November 2026: Department of Lands: condominium legislation; Kasikornbank: bank home-loan information; confirm individual conditions with the lending bank.
Ownership, tax and visa rules change and individual situations differ. This is general information, not legal advice — confirm with a qualified professional before acting.
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