Subvention Scheme Calculator
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Construction Period Cash Flow Breakdown
What is a Real Estate Subvention Scheme?
A subvention scheme is a property payment structure where the financial burden during the construction period is reduced through developer-supported payment arrangements. These schemes are commonly offered for under-construction properties.
Popular formats include 10:90, 20:80 and No EMI Till Possession plans. Buyers can use this calculator to estimate EMI impact, payment requirements and potential savings.
10:90 vs 20:80 vs No EMI Till Possession
| Plan | Structure | Benefit |
|---|---|---|
| 10:90 | Lower initial payment | Better early cash flow |
| 20:80 | Balanced payment approach | Reduced construction burden |
| No EMI Till Possession | EMI starts after possession | Maximum initial flexibility |
Frequently Asked Questions
What is a 10:90 subvention plan?
In a 10:90 plan, buyers generally pay a smaller percentage upfront and the remaining amount is paid according to the project payment schedule.
Does subvention mean the property is cheaper?
No. Subvention mainly changes the payment structure and cash flow timing. Buyers should evaluate the complete agreement before investing.
Who should use this calculator?
Home buyers, investors and NRIs comparing under-construction property payment plans can use this calculator.
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