Put every purchase payment on the calendar

Affordability depends on when payments fall due as well as their total. Put the Down Payment, construction instalments and handover balance on a calendar beside your expected income and existing obligations. Check the contract to distinguish fixed dates from payments linked to a milestone, and clarify how notices will be communicated. For example, an instalment due near a school payment or the end of a tenancy may create pressure that an annual budget hides. Review those overlaps before committing, then keep a reserve for expenses outside the purchase schedule. If you expect financing, confirm its timing separately rather than treating it as money already available. A payment calendar should show a workable plan under the agreed terms, including where you would need further clarification before proceeding. Prepared by Masterpiece Property. AI-generated illustration, not a photograph of an actual property or project.