Is a cash discount worth more than a long plan?

A cash discount is worth more than a long plan only when the money it saves beats what the same money earns if you keep it and pay over the years. It is an arithmetic question, not a matter of taste, and the catalogue puts both shapes on the same page.

What exactly is a cash discount on a unit?

A cash discount is a cut in the price of the unit in exchange for paying the whole price at once, on signing, instead of spreading it. The developer writes it as a percentage off the full price and records it on the payment plan beside the instalment offer. It is not a reduction in the unit's size or specification: it is the same home at a lower figure, bought without the developer carrying the cost of waiting.

What does the catalogue show today?

The site prices a plan by its deposit and its length. Across the catalogue today, the deposit the largest group of units carries is 5%, with 10% next, and the plan length the largest group carries is eight years, with ten years behind it. Delivery years run from 2024 to 2032, and 2030 is the year the largest group of units carries. A cash plan is the other shape: one payment of the full price against a discount off it.

Can one compound carry both shapes at once?

Yes, and that is what makes the comparison concrete. Privado Cluster 94 in Madinaty is filed with a 10% down payment over five years and, beside it, a cash offer of 27.5% off when the buyer pays cash, with delivery in 2026. The same page therefore holds both answers to the question. Nautilus in Somabay shows a single shape: 5% down over eight years with delivery in 2026.

How do I compare the two?

Two numbers are enough. The first is the discount the developer takes off the price for paying cash. The second is what you would do with the money if you kept it and paid over the plan's years: the return you earn on it, or the cost of a loan you avoid. If what the money earns over those years is more than the cash discount, the long plan leaves you ahead; if it is less, the cash discount does.

Is a long plan always the more expensive of the two?

Not in the money left in your hands. A long plan keeps the balance with you and puts it to work for the length of the plan, and the developer charges for that time through the price. A cash discount settles the same question in one move: you give up the use of the money and take the discount instead. Which is the better trade turns on the return you can get, so compute both rather than compare the sticker alone.

What should I confirm before I sign?

Three things, in writing: whether the discount is taken off the full price or only part of it; whether the cash plan replaces the instalment plan or sits beside it as an option; and the deposit, the plan length and the delivery year for whichever shape you pick. All of it is set out in the contract, and the compound page prints the plan as the developer filed it.