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.
30%first payment
0%interest
10%held to acceptance
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.
Planning tip. Model your cash flow in the ROI calculator. Instalments during construction mean the villa starts earning within weeks of your final payment.
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.
The full remote purchase process, from choosing a unit, document checks and the contract to stage payments during construction, acceptance and handover to management.