Payment plan calculator
Most purchases here run on an interest-free developer instalment plan. This shows the deposit, the monthly figure and what the first year really costs once fees are added.
| Down payment | — |
| Balance over the term | — |
| Per year | — |
| Purchase fees & taxes | — |
Schedule
| Period | Payment | Balance |
|---|
Market figures on this page cover all 29 schemes we tracked in the developers' August 2026 price lists, including schemes this site does not list.
Developer plans in the TRNC are typically interest-free over the construction period, which is why this assumes an even split with no interest. Verify the exact schedule in the contract — some plans front-load payments against construction milestones.
Why most buyers use a developer plan rather than a mortgage
Local banks lend up to about 50% of valuation at 5–13% with a 1% arrangement fee, and international lenders will not lend against TRNC property at all. An interest-free developer plan over two to three years is usually cheaper — the trade-off is that you are an unsecured creditor of the developer until the deed transfers.
Common questions
Do developers charge interest on instalments?
What deposit is normal?
Can I get a mortgage instead?
Want this checked against a real unit?
Send the project and unit type — we will run the numbers on the actual price list and the developer's payment plan.