Schedule 10/90 – what does it mean and is it worth using?

24.04.2025

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Schedule 10/90 – what does it mean and is it worth using?

Buying a property is one of the most important decisions in life – so it’s no surprise that future owners look for solutions that will make the process easier. One of the options sometimes offered by developers is the 10/90 payment schedule. Sounds attractive? Rightly so! In this article, we explain what this financing model is about, when it’s worth using, and what you need to keep in mind before making a decision.

Find out:

1. What the 10/90 schedule is about
2. Whether the 10/90 schedule is standard
3. Whether the 10/90 schedule is safe
4. Where to buy houses and apartments with the 10/90 schedule

What is the 10/90 schedule about?

The 10/90 schedule is a payment method where you pay only 10% of the property’s value when signing the developer agreement, and the remaining 90% only upon receiving the keys – that is, at the very end of the construction process.

This solution is particularly beneficial for people who:
- do not want to activate the entire mortgage right away,
- prefer to invest or save funds in the meantime,
- value greater financial comfort during the construction phase.

Is the 10/90 schedule a standard?

In the real estate industry, the standard is so-called payment schedules based on the progress of construction work. This means that payments are divided into several installments – e.g., 10%, 20%, 30%, 20%, 20% – which must be paid as construction progresses (e.g., after the foundation is poured, after the shell is completed, after installations, etc.).

This is completely normal – the developer needs funds to finance the next stages of construction. That’s why the 10/90 promotion is a truly exceptional opportunity, which appears rarely and only when the developer has sufficient financial backing and can offer clients this form of payment.

Is the 10/90 schedule safe?

The 10/90 schedule may sound very attractive – and rightly so – but it also requires trust in the company offering it. If such a model is offered by a company without an established market position or a proven track record, it’s important to be especially cautious and thoroughly verify its credibility. Without regular cash flow, such an entity may face liquidity issues, and the risk of the investment not being completed increases significantly.

Only stable and experienced companies can afford to offer such favorable terms to clients. We – Novisa Development – have been operating continuously for 24 years and have already built thousands of houses and apartments in the Warsaw and Łódź metropolitan areas. Thanks to this, we can offer the 10/90 schedule in selected projects – while maintaining the highest standards of safety and quality. It’s a great opportunity worth taking advantage of while such favorable payment terms are still available.

Where to buy houses and apartments with the 10/90 schedule?

This attractive payment model is now available in two of our developments*:

🏡 Ogrody Przyjaciół 5 – green Białołęka

Modern houses with gardens, perfect for families. An intimate development located in a peaceful, green area of Warsaw.

🏢 Miasto Ogród 6 – Helsinki building

Apartments with gardens and balconies in the developing town of Ożarów Mazowiecki. An ideal option for singles, couples, and families.

*The 10/90 payment schedule is available only for selected units in the mentioned developments and is valid until the pool of apartments with this option is exhausted or until further notice.

Visualization of the Ogrody Przyjaciół 5 estate

Summary – the 10/90 schedule is an opportunity worth taking advantage of

A flexible payment model like the 10/90 schedule doesn’t come around often – and it’s definitely not a market standard. If you have the opportunity to buy a house or apartment by paying only 10% upfront and the remaining amount in a dozen or so months, it’s an option worth considering – provided you choose a trusted developer.

At Novisa Development, we give you that opportunity – while offering proven solutions based on our many years of experience, stable market position, and the highest standard of customer service. We’ve been operating for over two decades and know how to take care of every stage of your investment.

👉 Check out the available offers at Ogrody Przyjaciół 5 and Miasto Ogród 6 – and take advantage of this opportunity before the pool of units included in the special offer runs out!

For details about the payment schedule and the units covered by this financing option, it’s best to consult directly with our advisor – we’ll help you choose the best solution for your situation.