{"id":10056,"date":"2025-04-24T00:00:00","date_gmt":"2025-04-23T22:00:00","guid":{"rendered":"https:\/\/novisa.pl\/news\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/"},"modified":"2026-02-02T03:04:10","modified_gmt":"2026-02-02T02:04:10","slug":"schedule-10-90-what-does-it-mean-and-is-it-worth-using","status":"publish","type":"post","link":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/","title":{"rendered":"Schedule 10\/90 \u2013 what does it mean and is it worth using?"},"content":{"rendered":"\n

Buying a property is one of the most important decisions in life \u2013 so it\u2019s 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\u2019s worth using, and what you need to keep in mind before making a decision.<\/em><\/p>

Find out:<\/p>

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

What is the 10\/90 schedule about?<\/strong><\/span><\/p>

The 10\/90 schedule<\/strong> is a payment method where you pay only 10%<\/strong> of the property\u2019s value when signing the developer agreement<\/strong>, and the remaining 90%<\/strong> only upon receiving the keys<\/strong> \u2013 that is, at the very end of the construction process.<\/p>

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.<\/p>

Is the 10\/90 schedule a standard?<\/strong><\/span><\/p>

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 \u2013 e.g., 10%, 20%, 30%, 20%, 20% \u2013 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 \u2013 the developer needs funds to finance the next stages of construction. That\u2019s why the 10\/90 promotion<\/strong> is a truly exceptional opportunity<\/strong>, which appears rarely<\/strong> and only when the developer has sufficient financial backing and can offer clients this form of payment.<\/p>

<\/figure>

Is the 10\/90 schedule safe?<\/strong><\/span><\/p>

The 10\/90 schedule<\/strong> may sound very attractive \u2013 and rightly so \u2013 but it also requires trust in the company<\/strong> offering it. If such a model is offered by a company without an established market position or a proven track record, it\u2019s 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 \u2013 Novisa Development<\/strong> \u2013 have been operating<\/strong> continuously for 24 years<\/strong> and have already built thousands of houses and apartments in the Warsaw and \u0141\u00f3d\u017a metropolitan areas. Thanks to this, we can offer the 10\/90 schedule<\/strong> in selected projects \u2013 while maintaining the highest standards of safety and quality. It\u2019s a great opportunity<\/strong> worth taking advantage of while such favorable payment terms are still available.<\/p>

<\/figure>

Where to buy houses and apartments with the 10\/90 schedule?<\/strong><\/span><\/p>

This attractive payment model is now available in two of our developments*:<\/p>

Ogrody Przyjaci\u00f3\u0142 5 \u2013 green Bia\u0142o\u0142\u0119ka<\/a><\/strong><\/span><\/p>

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

Miasto Ogr\u00f3d 6 \u2013 Helsinki building<\/a><\/strong><\/span><\/p>

Apartments with gardens and balconies in the developing town of O\u017car\u00f3w Mazowiecki. An ideal option for singles, couples, and families.<\/p>

*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.<\/em><\/p>

<\/figure>

Visualization of the Ogrody Przyjaci\u00f3\u0142 5 estate<\/a><\/span><\/strong><\/p>

Summary \u2013 the 10\/90 schedule is an opportunity worth taking advantage of<\/strong><\/span><\/p>

A flexible payment model like the 10\/90 schedule doesn\u2019t come around often<\/strong> \u2013 and it\u2019s 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\u2019s an option worth considering \u2013 provided you choose a trusted developer.
At Novisa Development<\/strong>, we give you that opportunity<\/strong> \u2013 while offering proven solutions based on our many years of experience, stable market position, and the highest standard of customer service. We\u2019ve been operating for over two decades and know how to take care of every stage of your investment.<\/p>

Check out the available offers at Ogrody Przyjaci\u00f3\u0142 5<\/a><\/span><\/strong> and Miasto Ogr\u00f3d 6<\/a><\/span><\/strong> \u2013 and take advantage of this opportunity before the pool of units included in the special offer runs out!<\/p>

For details about the payment schedule and the units covered by this financing option, it\u2019s best to consult directly with our advisor \u2013 we\u2019ll help you choose the best solution for your situation.<\/p>\n","protected":false},"excerpt":{"rendered":"

Buying a property is one of the most important decisions in life \u2013 so it\u2019s 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 […]<\/p>\n","protected":false},"author":1,"featured_media":7148,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[122],"tags":[],"class_list":["post-10056","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips"],"acf":[],"yoast_head":"\nSchedule 10\/90 \u2013 what does it mean and is it worth using? - Novisa Development<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Schedule 10\/90 \u2013 what does it mean and is it worth using?\" \/>\n<meta property=\"og:description\" content=\"Buying a property is one of the most important decisions in life \u2013 so it\u2019s 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 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/\" \/>\n<meta property=\"og:site_name\" content=\"Novisa Development\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/pl-pl.facebook.com\/NovisaDevelopment\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-23T22:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-02T02:04:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/f2a187c0a12939a99593b9d7ffa666db.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"25wat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/\"},\"author\":{\"name\":\"25wat\",\"@id\":\"https:\/\/novisa.pl\/en\/#\/schema\/person\/f8cb6b0824b68bef99c774d43107cb79\"},\"headline\":\"Schedule 10\/90 \u2013 what does it mean and is it worth using?\",\"datePublished\":\"2025-04-23T22:00:00+00:00\",\"dateModified\":\"2026-02-02T02:04:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/\"},\"wordCount\":733,\"publisher\":{\"@id\":\"https:\/\/novisa.pl\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/f2a187c0a12939a99593b9d7ffa666db.jpg\",\"articleSection\":[\"Tips\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/\",\"url\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/\",\"name\":\"Schedule 10\/90 \u2013 what does it mean and is it worth using? - Novisa Development\",\"isPartOf\":{\"@id\":\"https:\/\/novisa.pl\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/f2a187c0a12939a99593b9d7ffa666db.jpg\",\"datePublished\":\"2025-04-23T22:00:00+00:00\",\"dateModified\":\"2026-02-02T02:04:10+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#primaryimage\",\"url\":\"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/f2a187c0a12939a99593b9d7ffa666db.jpg\",\"contentUrl\":\"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/f2a187c0a12939a99593b9d7ffa666db.jpg\",\"width\":1920,\"height\":1080},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\/\/novisa.pl\/en\/home\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Schedule 10\/90 \u2013 what does it mean and is it worth using?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/novisa.pl\/en\/#website\",\"url\":\"https:\/\/novisa.pl\/en\/\",\"name\":\"Novisa Development\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/novisa.pl\/en\/#organization\"},\"alternateName\":\"Novisa\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/novisa.pl\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/novisa.pl\/en\/#organization\",\"name\":\"Novisa Development\",\"url\":\"https:\/\/novisa.pl\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/novisa.pl\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/novisa.pl\/wp-content\/uploads\/2025\/11\/logo.png\",\"contentUrl\":\"https:\/\/novisa.pl\/wp-content\/uploads\/2025\/11\/logo.png\",\"width\":500,\"height\":117,\"caption\":\"Novisa Development\"},\"image\":{\"@id\":\"https:\/\/novisa.pl\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/pl-pl.facebook.com\/NovisaDevelopment\",\"https:\/\/www.youtube.com\/channel\/UCqAm4P8E1Xyg4Iz28YiOmEQ\",\"https:\/\/www.instagram.com\/novisa.development\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/novisa.pl\/en\/#\/schema\/person\/f8cb6b0824b68bef99c774d43107cb79\",\"name\":\"25wat\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/novisa.pl\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2a748654205c24de46fe5078a5772f43cd0258be2964f99f02e7371bae8973ed?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2a748654205c24de46fe5078a5772f43cd0258be2964f99f02e7371bae8973ed?s=96&d=mm&r=g\",\"caption\":\"25wat\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Schedule 10\/90 \u2013 what does it mean and is it worth using? - Novisa Development","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/","og_locale":"en_US","og_type":"article","og_title":"Schedule 10\/90 \u2013 what does it mean and is it worth using?","og_description":"Buying a property is one of the most important decisions in life \u2013 so it\u2019s 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 […]","og_url":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/","og_site_name":"Novisa Development","article_publisher":"https:\/\/pl-pl.facebook.com\/NovisaDevelopment","article_published_time":"2025-04-23T22:00:00+00:00","article_modified_time":"2026-02-02T02:04:10+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/f2a187c0a12939a99593b9d7ffa666db.jpg","type":"image\/jpeg"}],"author":"25wat","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#article","isPartOf":{"@id":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/"},"author":{"name":"25wat","@id":"https:\/\/novisa.pl\/en\/#\/schema\/person\/f8cb6b0824b68bef99c774d43107cb79"},"headline":"Schedule 10\/90 \u2013 what does it mean and is it worth using?","datePublished":"2025-04-23T22:00:00+00:00","dateModified":"2026-02-02T02:04:10+00:00","mainEntityOfPage":{"@id":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/"},"wordCount":733,"publisher":{"@id":"https:\/\/novisa.pl\/en\/#organization"},"image":{"@id":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#primaryimage"},"thumbnailUrl":"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/f2a187c0a12939a99593b9d7ffa666db.jpg","articleSection":["Tips"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/","url":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/","name":"Schedule 10\/90 \u2013 what does it mean and is it worth using? - Novisa Development","isPartOf":{"@id":"https:\/\/novisa.pl\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#primaryimage"},"image":{"@id":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#primaryimage"},"thumbnailUrl":"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/f2a187c0a12939a99593b9d7ffa666db.jpg","datePublished":"2025-04-23T22:00:00+00:00","dateModified":"2026-02-02T02:04:10+00:00","breadcrumb":{"@id":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#primaryimage","url":"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/f2a187c0a12939a99593b9d7ffa666db.jpg","contentUrl":"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/f2a187c0a12939a99593b9d7ffa666db.jpg","width":1920,"height":1080},{"@type":"BreadcrumbList","@id":"https:\/\/novisa.pl\/en\/tips\/schedule-10-90-what-does-it-mean-and-is-it-worth-using\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/novisa.pl\/en\/home\/"},{"@type":"ListItem","position":2,"name":"Schedule 10\/90 \u2013 what does it mean and is it worth using?"}]},{"@type":"WebSite","@id":"https:\/\/novisa.pl\/en\/#website","url":"https:\/\/novisa.pl\/en\/","name":"Novisa Development","description":"","publisher":{"@id":"https:\/\/novisa.pl\/en\/#organization"},"alternateName":"Novisa","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/novisa.pl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/novisa.pl\/en\/#organization","name":"Novisa Development","url":"https:\/\/novisa.pl\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/novisa.pl\/en\/#\/schema\/logo\/image\/","url":"https:\/\/novisa.pl\/wp-content\/uploads\/2025\/11\/logo.png","contentUrl":"https:\/\/novisa.pl\/wp-content\/uploads\/2025\/11\/logo.png","width":500,"height":117,"caption":"Novisa Development"},"image":{"@id":"https:\/\/novisa.pl\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/pl-pl.facebook.com\/NovisaDevelopment","https:\/\/www.youtube.com\/channel\/UCqAm4P8E1Xyg4Iz28YiOmEQ","https:\/\/www.instagram.com\/novisa.development\/"]},{"@type":"Person","@id":"https:\/\/novisa.pl\/en\/#\/schema\/person\/f8cb6b0824b68bef99c774d43107cb79","name":"25wat","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/novisa.pl\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2a748654205c24de46fe5078a5772f43cd0258be2964f99f02e7371bae8973ed?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2a748654205c24de46fe5078a5772f43cd0258be2964f99f02e7371bae8973ed?s=96&d=mm&r=g","caption":"25wat"}}]}},"_links":{"self":[{"href":"https:\/\/novisa.pl\/en\/wp-json\/wp\/v2\/posts\/10056","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/novisa.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/novisa.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/novisa.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/novisa.pl\/en\/wp-json\/wp\/v2\/comments?post=10056"}],"version-history":[{"count":0,"href":"https:\/\/novisa.pl\/en\/wp-json\/wp\/v2\/posts\/10056\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/novisa.pl\/en\/wp-json\/wp\/v2\/media\/7148"}],"wp:attachment":[{"href":"https:\/\/novisa.pl\/en\/wp-json\/wp\/v2\/media?parent=10056"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/novisa.pl\/en\/wp-json\/wp\/v2\/categories?post=10056"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/novisa.pl\/en\/wp-json\/wp\/v2\/tags?post=10056"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}