Milestone-linked, discounted upfront, or four equal instalments. How each payment structure works on a USD 345,000 Cemagi villa, 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. Casa Surya I and II are three-bedroom villas in Cemagi, each listed at **USD 345,000 (IDR 6,130,000,000)** on a 25-year leasehold. There are three ways to pay for one, and the right choice depends far more on your circumstances than on arithmetic. ## Plan A: milestone-linked Payment follows construction. Twenty percent at signing, thirty percent at foundation completion, twenty percent at structural completion, and the final thirty percent at handover. The opening tranche is **USD 90,000**, which secures the villa and initiates permits. The remaining payments fall roughly eight to ten weeks apart as each stage is verified. 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: USD 345,000, across four payments, typically spanning twelve to fourteen months. ## Plan B: 75% upfront, 3% discount Pay 75% at signing and the price drops by three percent. The balance settles at handover. On USD 345,000 that discount is **USD 13,500**, bringing the effective cost to **USD 436,500**. This suits buyers who already hold the capital, have completed their due diligence, and would rather capture a certain saving than pursue an uncertain one. It also removes currency timing entirely — one major conversion, one rate, no ongoing exposure to monitor. In practice, that USD 13,500 frequently exceeds what a carefully staged conversion strategy would have earned over the same period. It concentrates risk differently rather than eliminating it: more of your capital sits in the project earlier. That is a real trade, and it should be a deliberate one. ## Plan C: four equal instalments Four payments of 25% — **USD 112,500** each — aligned to the same construction stages as Plan A, 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 — **USD 510,000 for fifty years of control**. 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 have the capital available now, or does it need to be released over time? If it is available and you want certainty, Plan B pays you USD 13,500 for that certainty. Do you want payment tied to verified progress? Plan A is the only structure that links each tranche to something you can inspect. Do you value predictability above both? Plan C removes the variables and gives you four identical dates. 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. Two villas exist in this release. To review the specification, the lease documentation and the payment terms in full, visit [casasuryavillas.com/projects](https://casasuryavillas.com/projects).