Ask most first-time buyers what stops them from buying property in Delhi, and the answer is rarely the price itself. It's the lump sum you need on day one. A 1% payment plan is built around that exact problem, but it only helps if you understand how it actually works.
This guide explains how a 1% payment plan works when buying property in Delhi, how it differs from the traditional 20% down payment, who it suits, and what to check before you say yes.
What Is a 1% Payment Plan?
A 1% payment plan lets you book a property by paying just 1% of its price upfront. In the traditional way of buying, the seller or developer expects around 20% as a down payment before things move forward. On a mid-sized property, that is a big amount to arrange at once, which is why many ready-to-buy people keep waiting and saving instead.
The plan doesn't make the property cheaper, and it doesn't skip the remaining payments. What it changes is the timing: a small amount now to secure the property, and the balance paid in stages as agreed.
How a 1% Payment Plan Works, Step by Step
The exact steps depend on the property and the agreement, but the flow usually looks like this.
Choose the property and confirm the price in writing
Visit the property, shortlist it and ask for the total price in writing. The number you agree on should include every charge, so there are no surprises later.
Pay 1% to book
You pay 1% of the price to block the property. Take a proper receipt that names the property, the amount and the date.
Sign the agreement
Your payment schedule, due dates and terms should all be written in an agreement. Read every line before signing. Where RERA applies, a promoter cannot take more than 10% of the cost as an advance without a registered agreement for sale. You can read a summary of this rule in a RERA Act overview.
Pay the balance as per the schedule
The remaining payments follow the schedule agreed for that property. Keep a record of every payment and receipt, and set reminders so you never miss a due date.
Registration and handover
Once the payments are complete, the property is registered in your name and handed over as per the agreed terms. Registration costs such as stamp duty vary by state and buyer category, so use current rates.
1% Payment Plan vs the Traditional 20% Down Payment
| 1% plan | Traditional route | |
|---|---|---|
| Upfront at booking | 1% of the price | Often around 20% |
| Cash left for emergencies | More | Less |
| Full price still payable | Yes | Yes |
| Documents and agreement | Equally important | Equally important |
The last two rows matter most. A smaller start does not mean a smaller price, and it never means you can skip the paperwork.
Who Is a 1% Payment Plan Right For?
First-time buyers and young families
If you have saved a decent amount but not a full 20%, a 1% payment plan lets you start now instead of waiting a few more years while prices move.
Salaried buyers
With a regular income, paying in stages can feel more natural than arranging one huge sum at the start.
Investors who want flexibility
Keeping more cash free at the start lets you handle other commitments or opportunities while the balance is paid over time.
Who should think twice
If you can't comfortably manage the later payments, a low start doesn't help you. Work out the full schedule against your monthly income before you book.
Myths and Facts About the 1% Payment Plan
A 1% plan means the property is cheaper.
FactThe price stays the price. Only the timing of the payments changes, and the balance is still due as agreed.
With a small start, you can skip the paperwork checks.
FactTitle, approvals and the written agreement matter just as much, whatever you pay at booking.
After the first 1%, there's nothing more to pay.
FactThe rest is paid as per the plan. Know every due date and amount before you book.
The terms are the same for every property.
FactTerms can differ from one property to another, so ask for the schedule of the exact property you like.
What to Check Before You Book
Remember that tax rules apply to instalments too. If the property is not agricultural land and its value is ₹50 lakh or more, the buyer has to deduct 1% TDS, and the Income Tax Department explains how this works. For the property-side checks, read our guide on what to check before buying property.
How Jivarth Infra's 1% Payment Plan Works
At Jivarth Infra, you can book a plot, a flat or a commercial property with 1% upfront instead of the traditional 20% down payment. The balance is paid as per the plan agreed for that property, and our team explains the full schedule, the total cost and every term before you sign anything.
Our office is in Ghitorni, South Delhi, so you can walk in, ask your questions and see the area for yourself. If you're curious about the locality, here is why Ghitorni is becoming a popular property location.
FAQs: 1% Payment Plan in Delhi
Is a 1% payment plan really possible when buying property in Delhi?
Yes. With Jivarth Infra's 1% payment plan, you can book a property with 1% upfront instead of the traditional 20% down payment, and pay the balance as per the plan.
Do I still have to pay the full price under a 1% payment plan?
Yes. The plan changes when you pay, not whether you pay. Always confirm the total cost, including taxes and charges, in writing.
How is the remaining balance paid?
As per the payment schedule agreed for that property. Ask for the due dates, amounts and late-payment terms in the agreement before you sign.
Is a 1% payment plan safe?
Safety depends on the property's documents and the written agreement, not on the name of the plan. Check the title, approvals and agreement terms carefully.
Final Thoughts
A 1% payment plan is a way to start sooner, not a shortcut around the basics. Understand the schedule, get every term in writing, check the property's papers, and make sure you can handle the later payments comfortably. Do that, and it can turn "someday" into a plan you can actually follow.