Milestone-linked, monthly instalments, or four equal payments. How each of our flexible payment plan options worked for Cemagi buyers, and which type of buyer each one suits.
Buying property across a border is rarely limited by whether the asset makes sense. It is limited by how capital moves — when, in what currency, and against what security. Both Casa Surya three-bedroom villas in Cemagi have sold, each valued at **USD 450,000 (IDR 8,000,000,000)** once built, on a 25-year leasehold. This is how the payment plans worked, and what we expect to offer on the next release. There are three flexible payment plan options, and the right choice depends far more on your circumstances than on arithmetic. ## Milestone-linked Payment follows construction. A 10% deposit on signing, 30% off plan, and the 60% balance staged through the build to handover, or paid monthly. The opening payment is **USD 35,000**, which secures the villa. The logic is accountability. Capital is released against progress you can inspect, and the majority of your money stays where it is until the building physically exists. For buyers financing from investments, running several acquisitions at once, or converting currency in stages, this is usually the correct structure — it is the most popular among our Singapore and Australian buyers for exactly those reasons. Total: the full price, with the largest share paid only as the villa takes shape. ## Monthly instalments Pay 40% on signing, then the balance in equal monthly instalments through to handover. That is **40%** on signing, with the remaining **60%** spread across up to twelve months depending on when you sign. It is interest free and at the same price. This suits buyers who would rather fund the balance from income than from one large transfer. It also spreads currency conversion across many small dates rather than a few large ones. It concentrates more capital at signing than the milestone plan does. That is a real trade, and it should be a deliberate one. ## Four equal payments Four payments of 25%, **USD 87,500** each, spread across the build without the weighting. No variable percentages, no milestone-linked calculation. For buyers who plan around fiscal quarters or who simply prefer predictable outflows they can schedule a year ahead, the symmetry is the point. There is no penalty for choosing it. The terms are identical to the other plans in every other respect. ## What does not change Whichever route you take, the underlying asset and its terms are the same. Each villa has three bedrooms and four bathrooms — three en-suite plus a downstairs guest WC — across roughly 185m² of build on a plot of about 250m². There is a 6.5m by 3m private pool beside a landscaped lawn, walk-in wardrobes, a storage room with washing machine, and covered parking. The villas are sold fully furnished. The lease runs **25 years from handover**, extendable by a further 25 years for a **fixed USD 60,000** agreed now. A fixed-price extension settled at the outset is uncommon in this part of Bali, and it is the single most important term in the contract. Most leaseholds here leave the extension price to be negotiated at expiry, which means it is negotiated from a position of no leverage. Handover is estimated for **Q2 2027**. Management by Casa Surya is optional and never a condition of purchase. ## Choosing between them The decision reduces to three questions. Do you want to fund the balance from income? The monthly plan spreads it through to handover. Do you want payment tied to verified progress? The milestone plan links each stage to something you can inspect. Do you value predictability above both? Four equal payments remove the variables. There is no clever answer here. Buyers who agonise over the optimisation usually discover the difference between the plans is small relative to the decision they have already made, which is whether to buy at all. ## Where the real diligence belongs Payment structure is the easiest part of this transaction to understand and the least consequential to get wrong. What deserves scrutiny is the lease term and its extension mechanism, the zoning of the land, the specification behind the render, and whether the developer has an operating track record you can verify. Casa Surya operates seven villas across Canggu, Seseh, Pererenan and Cemagi, held on long leases and managed directly. Those properties are where the performance evidence behind the Cemagi Collection comes from. One villa remains in this release. To review the specification, the lease documentation and the payment terms in full, visit [casasuryavillas.com/invest](https://casasuryavillas.com/invest).